Premier Analysis

  • Bank Independent's Premier Analysis checking account is perfect for middle-market and larger companies with significant transaction volumes.*


     

    With Premier Analysis checking, you'll receive:

    • Interest on your Checking Balance** – Premier Analysis is an interest-bearing checking account.

    • 1% Cash Back on Loans – Receive cash back on your Bank Independent installment loan payment when your payment is scheduled for automatic deduction from your Premier Analysis checking account. See program details.***

    • Relationship Rewards for Debit Card Purchases – Use your Bank Independent debit card anywhere Visa is accepted to earn points on qualifying purchases, and redeem points for gifs, cash or travel.  See program details. 

    • 20% Discount on a Safe Deposit Box – Just elect to have your safe deposit fee automatically deducted from your Premier Analysis checking account.

    • Statements with Check Images – Receive paper or electronic statements (eStatements) with complimentary check images.

    • Online Banking with Bill Pay– Bank whenever, wherever you'd like with our many electronic banking options, including Mobile Banking.

    • FDIC-Insured Overnight Sweep Option – Balances over $100,000 will be automatically swept daily into the Business Premier Money Market Account (MMA).****

    • Overdraft Protection Options+

     

    *Analysis charges are $.35 per credit, $.15 per debit, and $.095 per item deposited, plus an additional 18% for any average collected overdraft balance; an earnings credit on the daily collected balance based on the previous month's 13-week US Treasury Bill interest rate (less reserves and costs) is applied to offset or reduce some of the charges.

    **Interest earnings are applied to service charges

    ***To see if your 1% cash back rewards are tax-deductible, consult a tax attorney, CPA or your personal tax preparer

    ****Funds will be available by ATM, check card, check, online bill pay or mobile device through your linked Premier Analysis checking account.  Any day the ledger balance in the Premier Analysis checking account is less than or equal to zero ($0), fund will be swept back into the Premier Analysis account in $10,000 increments.  On the 6th sweep in a calendar month, all funds in the MMA will be swept back into the Premier Analysis checking account until your next statement cycle begins.

    +Having Overdraft Coverage does not guarantee that we will pay your overdrafts. If you have coverage and we do pay your overdraft on checks, in-person withdrawals, ATM withdrawals, or other electronic means, you will be charged $34 for each overdraft item that we pay up to a maximum of 10 overdraft charges per day.