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Basic Checking

  • Are you looking for a simple, everyday checking account?  Our Basic Checking is just that...a great option for your basic banking needs. 

    Basic Checking account holders enjoy:

    The following options are also available with our Basic Checking account at minimal costs:
      • Check processing – You may write checks on your Basic account for only $1 per processed check. 
      • Paper statements with check images – Still prefer paper? Paper statements are available for $2 per statement cycle.. 

    Enhance your Bank Independent relationship with these available programs:
      • Senior Perks – Are you 62 or more years young? Enroll in Senior Perks and enjoy two free boxes of Bank Independent checks*** per year per account and complimentary paper statements. You’ve earned it!
      • Overdraft Fee Forgiveness – We all make mistakes. For $36 a year we’ll forgive up to three of yours each calendar year and save you up to $108 in NSF fees.
      • Smart Swipe†† – Add Smart Swipe to any Bank Independent personal checking account and we’ll round up your debit card purchases to the nearest dollar, then transfer the change into another Bank Independent deposit account of your choice.

    *We will charge an NSF fee of $36 for each item that overdraws your account. We will not charge more than 10 overdraft or insufficient funds fees to your account in one business day. Standard overdraft practices apply when you have authorized us to pay and we have agreed to pay checks and other transactions causing an overdraft through automatic bill payments and for checks and other transactions made using your account number. Whether your overdraft item will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdraft items if your account is not in good standing, if you are not making regular deposits, or if you have too many overdrafts. We will not authorize and pay overdrafts for ATM transactions or everyday debit card transactions unless you ask us to. Deposits are required within 60 days of an overdraft. If an overdraft is not paid in full within this period, your account is subject to close. See a Personal Banker for details on minimum balance requirements and monthly maintenance fees for all deposit accounts.

    **An NSF fee will not be charged to an account if the ending daily balance in the account is overdrawn by $5.00 or less.

    ***Includes standard Bank Independent checks only; Premium check orders receive a $5 discount.

    Requires separate enrollment. Different enrollment fee may apply during the first calendar you are enrolled in the program. See program disclosure for additional details. A fee of $36 will be charged for each overdraft that exceeds the number refunded in any given calendar year that you are enrolled in the program. The refund of the Overdraft fee will typically be posted to your account no later than the next business day after the fee has posted to your account. If fewer overdrafts occur during each calendar year, only the number of overdraft fees posted to the account will be refunded. A refund of an overdraft fee does not indicate nor guarantee that the overdraft item will be paid and/or not returned to the presenter. Bank Independent reserves the right to terminate this program at any time, effective at the expiration of any calendar year.

    ††Requires separate enrollment. See enrollment form for additional details.



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