Select Checking

Do you want an account that is convenient and offers the features you are looking for in a checking account? Independent Bank’s Select Checking is a great option! Plus, you can enjoy all of the benefits of banking without the monthly account maintenance fees. Simply enroll in eStatements and direct deposit, and the Select 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 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.

	Select Checking
NO MINIMUM BALANCE
FREE DEBIT CARD
FREE ONLINE BANKING
FREE BILL PAY
FREE MOBILE BANKING**
FREE PEOPLEPAY
FREE SNAPCHECK***
EARNS INTEREST
FREE CHECKS AT ACCOUNT OPENING
SERVICE FEE	NONE
ADDITIONAL OPTIONS	2 FREE OVERDRAFT TRANSFERS OR 4 FREE FOREIGN ATM TRANSFERS PER MONTH1
REQUIREMENTS	DIRECT DEPOSIT AND ESTATEMENT2
	Open an Account Now

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!
• 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.
• Plus, enjoy  2 FREE overdraft transfers OR 4 FREE foreign ATM transactions per month!

*If account requirements are not met, selected option will be subject to standard fees.

**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

¹ATM or transfer fees charged at time of service and refunded at end of statement cycle. $2 Independent Bank foreign ATM fee refunded or $7 Independent Bank transfer fee refunded. Overdraft transfers funding Select Checking account.

²If account requirements are not met, selected option will be subject to standard fees.

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