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.
|FREE DEBIT CARD|
|FREE ONLINE BANKING|
|FREE BILL PAY|
|FREE MOBILE BANKING**|
*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 restricitions may apply.