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Premier Checking

Looking for a checking account that has it all? Independent Bank’s Premier Checking is the account for you!

Plus, you can enjoy all of the luxuries of banking without the monthly account maintenance fees.

Simply maintain a minimum $5,000 balance in your checking account or a $25,000 or more combined balance with IB Wealth Management, and the Premier Checking account is completely FREE!*

  • 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 Zelle® you can send money from the convenience of your mobile phone! All you need is the name and email address or U.S. 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. 

  • FREE checks at account opening and discounted checks – If you’re writing checks, you don’t want to pay an arm and a leg for standard checks. Enjoy a free mini pack of checks at account opening, and also receive discounted check reorders whenever you are running low.

  • Earns interest – Enjoy the perks of earning interest with a checking account, all while keeping your funds liquid and available when you need to use them.

  • FREE overdraft transfers1 – Running low in your checking account and have a payment going through? No problem! With free overdraft transfers, you won’t be charged to pull in additional funds from your Independent Bank savings account to cover the transaction.

  • FREE (4) foreign ATM transactions1 – Need cash but not close to an Independent Bank ATM? Feel free to use another bank’s ATM with your Independent Bank debit card, and we will refund you for the ATM fees.

*If account requirements are not met, selected option will be subject to  $15 service fee.
**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

1Overdraft transfers funding Premier Checking account.
2ATM fees charged at time of service and refunded at end of statement cycle. $2 Independent Bank foreign ATM fee refunded and up to $3 of ATM owner fee refunded. Maximum refund of $20 per statement cycle.

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