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Premier Checking

  • Premier Checking offers premium features, exceptional benefits and tiered interest.


     

    Premier Checking account holders enjoy:


    Pay no service charge for Premier Checking when you:

    • Maintain a minimum $25,000 combined deposit and loan balance.

    Otherwise, the service charge for Premier Checking is $12 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 to enjoy two free boxes of Bank Independent checks†† per year per account and complimentary paper statements. You’ve earned it!
    • 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.

    ***See program disclosure for additional details. The Overdraft Fee Forgiveness Program is included at no additional charge with the Premier Interest checking account.  With this program, you will be entitled to a refund of up to three (3) Overdraft fees that post to your Premier Interest account in a calendar year.  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.  A fee of $36 will be charged for each overdraft that exceeds the number refunded in any given calendar year that your Premier Interest account is opened.  Bank Independent reserves the right to terminate this program at any time, effective at the expiration of any calendar year.

    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.

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

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

     

     

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