Opportunity ONE | Independent Bank

Why Choose Opportunity ONE For Your Checking Account Needs?

No Fees

Enroll in eStatements to avoid a $3 monthly fee for paper statements.

Switching is Simple

Moving your direct deposit to your new checking account is a breeze with our Switch Kit.

Start New

Get a fresh start with a Bank On-Certified** account that meets national standards for safe, low-cost, and secure banking.

Simple First Account

A smart choice for students and first-time bankers with no overdraft fees.

Opportunity ONE FAQs

Answers to Common Questions About the Opportunity ONE Checking Account

What fees are associated with Opportunity ONE Account?

Opportunity ONE has no monthly fees when enrolled in eStatements, no overdraft fees, and no minimum balance requirements. If eStatements are not selected, a $3/month fee will be assessed for paper statements.

Can I access my account 24/7?

Yes, you can check your balance, transfer funds, and more through our 24/7 telephone banking service or ONE Wallet digital banking.

Is this account available for everyone?

Opportunity ONE is ideal for young adults, those new to banking, or anyone who wants to avoid overdraft fees and rebuild their checking history.

*standard account opening guidelines apply

Is this account insured by the FDIC?

Yes, this account is FDIC insured — for details on what types of accounts and balances are covered, please visit fdic.gov.
Calculate your specific limits at: edie.fdic.gov.

*Offer begins January 1, 2026 and is valid through March 31, 2027, and may be extended, modified, or discontinued at any time. Subject to 1099-INT reporting. To receive the $350 bonus, you must open a new ONE or Opportunity ONE Account and receive direct deposits totaling $500 or more within 90 calendar days of account opening. Limit one bonus per customer. Account must be in good standing to receive the bonus. Bonus will be paid out within 90 calendar days within meeting the requirements. Offer valid for new checking account customers only. Subject to standard account opening guidelines

**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).