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Checking

  • Bank Independent has expanded our suite of checking products to better fit your individual banking needs and make it easier for you to enjoy our new checking account benefits and features. 


     

    All Bank Independent personal checking accounts include:

     

    Basic Essential Premier
    Are you looking for a simple, everyday checking account? Our Basic Checking is just that...a great option for your basic banking needs.   Essential Checking offers a full range of features plus the flexibility to customize your account to your banking needs. Premier Checking offers premium features, exceptional benefits and tiered interest.

    LEARN MORE

    Open Now BTN

    LEARN MORE

    Open Now BTN

    LEARN MORE

    Open Now BTN Large
    No Monthly Fee No Monthly Fee with:
    Direct deposit of at least $500
    OR
    $1,500 minimum account balance
    OR
    15 posted non-ATM debit card transactions per statement cycle


    Otherwise:
    $7 Service Charge ($3 for students and seniors age 62 & over)

    No Monthly Fee with:
    $25,000 combined deposit/loan balances***


    Otherwise:
    $12 Service Charge

    Minimum Opening Deposit Minimum Opening Deposit Minimum Opening Deposit
    $25 $25 $100
    Included Features Included Features Included Features
    • Check Writing ($1 per check)
     
    • Unlimited Check Writing
    • 10% Discount on Safe Deposit Box rental with auto-debit
     
    • Unlimited Check Writing
    • 20% Discount on Safe Deposit Box rental with auto-debit and One Year FREE on a new rental
    • Tiered Interest
    • Paper Statement with Images
    • Overdraft Fee Forgiveness 
     
    Available Features Available Features Available Features
    • Paper Statements with Images – $2/month
    • Overdraft Fee Forgiveness – $36/year
    • Smart Swipe 
    • Senior Perks 
     
    • Paper Statements with Images –
      $2/month
    • Overdraft Fee Forgiveness – $36/year 
    • Smart Swipe 
    • Senior Perks 
     
     

    *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.

    ***The combined balance is calculated by adding the lowest daily balance that occurred in each of your deposit and loan accounts during your statement cycle.

    Requires separate enrollment for non-Premier accounts. 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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