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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, accessibility, or security of any linked web page.

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OneOppLogo0622_RGB

 

An account designed with you in mind—simple, convenient, and overdraft fee-free**.

 

Open an Opportunity ONE Account

 

 

OpportunityONE_CTATile_V4

A great option for:

 

Young adults who are looking for a first checking account

Anyone who would like an account without worrying about overdraft fees

Those looking to rebuild a positive checking account history*


Included with your Checking Account:

ONE Wallet

Modern online & mobile banking

ONE Wallet+

Manage all of your information in one place

Mobile Deposit

Deposit checks on the go with Mobile Deposit

Bill Pay

Safely & securely pay

your bills online

Debit Mastercard®

Shop on the go with your

Debit Mastercard

Zelle®

Send money to people you

know & trust

MoneyPass

We waive your fees at over 32,000 MoneyPass ATMs nationwide

Other FREE features include:

  • Account Alerts to manage your account and debit card
  • Mastercard Identity Theft Alerts so your account is never left unmonitored
  • 24/7 Telephone Banking at 888.300.3193, so you can check on your account whenever it is convenient for you
  • Teller Transactions at your local banking office to make a deposit, pick up a cashier's check, and more
  • eStatements to review your statements on a rolling 13-month period without having to keep an actual paper trail

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Independent Bank is proud to offer Opportunity ONE, a Bank On-certified account

Opportunity ONE account is certified by the national Cities for Financial Empowerment Fund (CFE Fund) as meeting the Bank On National Account Standards (2021 - 2022). The national safe account Standards, co-created by consumer advocates, leading national nonprofit organizations, civic leaders, and other financial institutions, designate both core and strongly recommended features that ensure low cost, high functionality, and consumer safety.

*If customer currently has a charged-off Independent Bank account, arrangements must be made and kept up to date to maintain Opportunity ONE. Failure to comply with the arrangement agreement will result in closure of the account.

 

**If eStatements are not selected, a $3/month fee will be assessed for paper statements. Accounts are subject to standard account opening guidelines. Other fees and restrictions may apply.


+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 ONE. The debit card attached to the Opportunity ONE account will allow both PIN- and signature-based transactions. 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 Mobile Banking is subject to eligibility and deposits are not immediately available. Other fees and restrictions may apply.