Disclaimer

You are now leaving the Independent Bank website. Linked web pages are not under the control of Independent Bank, its affiliates or subsidiaries. Be aware the privacy policy of the site to which you are going may differ from that of Independent Bank. Independent Bank provides external links as a convenience and is not responsible for the content or security of any linked web page.

Click “OK” to continue or “Cancel” to go back

Ok Cancel
Menu
Search
Locations
Login

Opportunity Checking

Are you looking for a financial fresh start?

Independent Bank’s Opportunity Checking is a great option for customers who would like to rebuild or reestablish a positive checking account history with a financial institution.*

This account offers an option for customers who may not meet the requirements of our other checking account products.+ Plus, if the account remains in good standing for at least 12 months, or receives at least six (6) direct deposits over $50 each, the account may be eligible to be moved into a traditional checking account product. The Opportunity Checking account has a $10/month service fee. To open this account or learn more, please visit a local banking office location.

  • Enjoy FREE Online and Mobile Banking** so you can stay up to date on your account even when you are on the go.
  • With FREE Bill Pay, you can pay your bills online and even set up recurring payments, so it is one less thing you have to worry about each month.
  • Have a check to deposit? No need to run to the bank! With SnapCheck mobile deposit*** from Independent Bank, you can deposit your check right from your smartphone, just by taking a picture of the front and back of your check—it’s a snap!
  • Need to pay your friend back for lunch or your babysitter for Saturday night? No problem with PeoplePay (person-to-person payments) from Independent Bank available online and on your phone! All you need is the name and email address or mobile phone number of the person you would like to pay, along with the amount and the account it will be coming from.
  • Finally, you will also receive a free chip-enabled debit Mastercard®^ to make purchases easier and safer than carrying cash.

Other features include:

  • FREE account alerts to manage your account and debit card – Do you want to know when your balance falls below a certain dollar amount or when that check you wrote to the school finally clears? Enroll in FREE account alerts so you're in-the-know no matter where you go! Plus, we also offer FREE Mastercard Identity Theft Alerts so your account is never left unmonitored. You will receive an alert if your personal information is used and if you could be a potential victim of identity theft.

  • FREE telephone banking – Looking to check your balance or see if your latest transactions have cleared? We offer FREE 24/7 telephone banking services at 888.300.3193, so you can call to check on your account whenever it is convenient for you.

  • FREE teller transactions – Need to stop by your local banking office to make a deposit or pick up a cashier's check? We'd love to see you! You don't have to worry about completing all of your banking transactions electronically to avoid a fee. If you prefer to do your banking in-person, you will not be penalized for doing so.

  • FREE eStatements or paper statements – Regardless of whether you prefer to go paperless and opt for our FREE eStatement service to view your account statements, or you prefer to receive a hardcopy in the mail every month, your account statements are completely FREE. Plus, with account eStatements, you have the capability to review your statements on a rolling 13-month period without having to keep an actual paper trail. More convenient and less clutter!

  • No per check charge and unlimited check writing – Still find yourself writing checks? No problem! We do not charge you for writing checks, and you have unlimited check writing capabilities without worrying about pesky check fees. 

 

*If customer currently has a charged-off Independent Bank account, arrangements must be made and kept up to date to maintain Opportunity Checking. Failure to comply with the arrangement agreement will result in closure of the account.
+Any collection must first be paid in full, if applicable. Proof of payment is required.
^Extended coverage is not available on the debit card, and Overdraft Privilege is not offered on Opportunity Checking. The debit card attached to Opportunity Checking will allow PIN-based transactions only. Please note, this supersedes the information found in the Electronic Funds Transfer Agreement and Disclosure referring to debit card transactions. Any items resulting in an overdraft will be returned unpaid, and a fee will be applied to the account due to non-sufficient funds (NSF).

**An Independent Bank account and online banking are required for mobile banking.
***Independent Bank SnapCheck is subject to eligibility and deposits are not immediately available

$50 minimum deposit is required for all accounts at account opening. Other fees and restrictions may apply.