Personal Account Finder
What is the balance of your combined loans and deposits at Bank Independent?
Less Than $25,000
More than $25,000
I Don't Know
Are you:
Age 62 or Older
Age 15-25
Neither
Will you have a direct deposit?
Yes, Totaling More Than $500 Per Month
Yes, Totaling Less than $500 Per Month
No
Are you:
Age 62 or Older
Age 15-25
Neither
Will you use a debit card?
Yes, More Than 15 Times Per Month
Yes, Less Than 15 Times Per Month
No
We Recommend:
This account includes:
- Tiered interest
- Two boxes of Bank Independent checks* at no charge
- First year free on new Safe Deposit Box rental
- 20% Safe Deposit Box discount (with auto-debit)
- Free paper statements with images
- Overdraft Fee Forgiveness**
- Up to three foreign ATM fee refunds each month***
- Free Debit Card and BI ATM access
- Free Online Banking
To complement this account, we recommend:
- Smart Swipe†
- Debit Card Management
- Mobile Banking
- eStatements
- Premier Money Market
You may also like:
- Bank Independent Credit Card
- Certificate of Deposit
*Includes standard Bank Independent checks only; Premium check orders receive a $5 discount.
**We will charge an NSF fee of $36 for each presentment that overdraws your account. We will not charge more than 6 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. Overdraft Fee Forgiveness: 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.
***Bank Independent will refund up to three ATM withdrawal fees charged by non-Bank Independent-owned ATMs each calendar month. Balance inquiry fees are not refundable. Foreign ATM usage fees charged by Bank Independent will be waived for eligible transactions. Foreign ATM transactions posted after 2:30 p.m. on the last business day of the month will be applied to the next month's refundable fees.
†Requires separate enrollment. See enrollment form for additional details.
This account includes:
- Tiered interest
- First year free on new Safe Deposit Box rental
- 20% Safe Deposit Box discount (with auto-debit)
- Free paper statements with images
- Overdraft Fee Forgiveness*
- Up to three foreign ATM fee refunds each month**
- Free Debit Card and BI ATM access
- Free Online Banking
To complement this account, we recommend:
- Smart Swipe***
- Debit Card Management
- Mobile Banking
- Premier Money Market
You may also like:
- Bank Independent Credit Card
- eStatements
We will charge an NSF fee of $36 for each presentment that overdraws your account. We will not charge more than 6 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.
*See program disclosure for additional details. The Overdraft Fee Forgiveness Program is included at no additional charge with the Premier 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.
**Bank Independent will refund up to three ATM withdrawal fees charged by non-Bank Independent-owned ATMs each calendar month. Balance inquiry fees are not refundable. Foreign ATM usage fees charged by Bank Independent will be waived for eligible transactions. Foreign ATM transactions posted after 2:30 p.m. on the last business day of the month will be applied to the next month's refundable fees.
***Requires separate enrollment. See enrollment form for additional details.
This account includes:
- Tiered interest
- First year free on new Safe Deposit Box rental
- 20% Safe Deposit Box discount (with auto-debit)
- Free paper statements with images
- Overdraft Fee Forgiveness*
- Up to three foreign ATM fee refunds each month**
- Free Debit Card and BI ATM access
- Free Online Banking
To complement this account, we recommend:
- Smart Swipe***
- Debit Card Management
- Mobile Banking
- Premier Money Market
You may also like:
- Bank Independent Credit Card
- eStatements
We will charge an NSF fee of $36 for each presentment that overdraws your account. We will not charge more than 6 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.
* See program disclosure for additional details. The Overdraft Fee Forgiveness Program is included at no additional charge with the Premier 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.
**Bank Independent will refund up to three ATM withdrawal fees charged by non-Bank Independent-owned ATMs each calendar month. Balance inquiry fees are not refundable. Foreign ATM usage fees charged by Bank Independent will be waived for eligible transactions. Foreign ATM transactions posted after 2:30 p.m. on the last business day of the month will be applied to the next month's refundable fees.
***Requires separate enrollment. See enrollment form for additional details.
This account includes:
- Two boxes of Bank Independent checks* per year at no charge
- Free paper statements with images
- Free Debit Card and BI ATM access
- Free Online Banking
- 10% Safe Deposit Box discount (with auto-debit)
To complement this account, we recommend:
- Debit Card Management
- Smart Swipe**
- Savings Account
- Mobile Banking
- eStatements
You may also like:
- Bank Independent Credit Card
- Certificate of Deposit (CD)
- Overdraft Fee Forgiveness**
We will charge an NSF fee of $36 for each presentment that overdraws your account. We will not charge more than 6 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.
*Includes standard Bank Independent checks only; Premium check orders receive a $5 discount.
**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.
This account includes:
- Up to three free foreign ATM fee refunds each month*
- Free Debit Card and BI ATM access
- Free Online Banking
- $5 Daily Overdraft Safety Net**
To complement this account, we recommend:
- Digital Wallet
- Debit Card Management
- Mobile Banking
- eStatements
- Overdraft Fee Forgiveness†
You may also like:
- Smart Swipe***
- Savings Account
We will charge an NSF fee of $36 for each presentment that overdraws your account. We will not charge more than 6 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.
*Bank Independent will refund up to three ATM withdrawal fees charged by non-Bank Independent-owned ATMs each calendar month. Balance inquiry fees are not refundable. Foreign ATM usage fees charged by Bank Independent will be waived for eligible transactions. Foreign ATM transactions posted after 2:30 p.m. on the last business day of the month will be applied to the next month's refundable fees.
**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.
***Requires separate enrollment. See enrollment form for additional details.
†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.
This account includes:
- Free Debit Card and BI ATM access
- Free Online Banking
- 10% Safe Deposit Box discount (with auto-debit)
To complement this account, we recommend:
- Digital Wallet
- Debit Card Management
- Smart Swipe*
- Savings Account
- Mobile Banking
- eStatements
You may also like:
- Bank Independent Credit Card
- Overdraft Fee Forgiveness*
We will charge an NSF fee of $36 for each presentment that overdraws your account. We will not charge more than 6 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.
*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.
This account includes:
- Free Debit Card and BI ATM access
- Free Online Banking
- 10% Safe Deposit Box discount (with auto-debit)
To complement this account, we recommend:
- Digital Wallet
- Debit Card Management
- Smart Swipe*
- Savings Account
- Mobile Banking
- eStatements
You may also like:
- Bank Independent Credit Card
- Overdraft Fee Forgiveness**
We will charge an NSF fee of $36 for each presentment that overdraws your account. We will not charge more than 6 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.
*Requires separate enrollment. See enrollment form for additional details.
**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.
This account includes:
- Free Debit Card and BI ATM access
- Free Online Banking
- 10% Safe Deposit Box discount (with auto-debit)
To complement this account, we recommend:
- Digital Wallet
- Debit Card Management
- Smart Swipe*
- Savings Account
- Mobile Banking
- eStatements
You may also like:
- Bank Independent Credit Card
- Overdraft Fee Forgiveness**
We will charge an NSF fee of $36 for each presentment that overdraws your account. We will not charge more than 6 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.
*Requires separate enrollment. See enrollment form for additional details.
**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.
This account includes:
- Free Debit Card and BI ATM access
- Free Online Banking
To complement this account, we recommend:
- Debit Card Management
- Mobile Banking
- eStatements
- Overdraft Fee Forgiveness**
We will charge an NSF fee of $36 for each presentment that overdraws your account. We will not charge more than 6 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.
*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.
This account includes:
- Free Debit Card and BI ATM access
- Free Online Banking
- 10% Safe Deposit Box discount (with auto-debit)
To complement this account, we recommend:
- Digital Wallet
- Debit Card Management
- Smart Swipe*
- Savings Account
- Mobile Banking
- eStatements
You may also like:
- Bank Independent Credit Card
- Overdraft Fee Forgiveness**
We will charge an NSF fee of $36 for each presentment 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.
*Requires separate enrollment. See enrollment form for additional details.
**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.
This account includes:
- Free Debit Card and BI ATM access
- Free Online Banking
- 10% Safe Deposit Box discount (with auto-debit)
To complement this account, we recommend:
- Digital Wallet
- Debit Card Management
- Smart Swipe*
- Savings Account
- Mobile Banking
- eStatements
You may also like:
- Bank Independent Credit Card
- Overdraft Fee Forgiveness**
We will charge an NSF fee of $36 for each presentment 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.
*Requires separate enrollment. See enrollment form for additional details.
**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.
This account includes:
- Free Debit Card and BI ATM access
- Free Online Banking
To complement this account, we recommend:
- Debit Card Management
- Mobile Banking
- eStatements
- Overdraft Fee Forgiveness*
We will charge an NSF fee of $36 for each presentment that overdraws your account. We will not charge more than 6 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.
*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.
This account includes:
- Two boxes of Bank Independent checks* per year at no charge
- Free paper statements with images
- Free Debit Card and BI ATM access
- Free Online Banking
- 10% Safe Deposit Box discount (with auto-debit)
To complement this account, we recommend:
- Debit Card Management
- Smart Swipe**
- Savings Account
- Mobile Banking
- eStatements
You may also like:
- Bank Independent Credit Card
- Certificate of Deposit (CD)
- Overdraft Fee Forgiveness***
We will charge an NSF fee of $36 for each presentment that overdraws your account. We will not charge more than 6 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.
*Includes standard Bank Independent checks only; Premium check orders receive a $5 discount.
**Requires separate enrollment. See enrollment form for additional details.
***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.
This account includes:
- Up to three foreign ATM fee refunds each month*
- Free Debit Card and BI ATM access
- Free Mobile Banking and Mobile Deposit
- Free Online Banking and eStatements
- $5 Daily Overdraft Safety Net**
To complement this account, we recommend:
- Debit Card
- Digital Wallet
- Debit Card Management
- Online Banking
- Mobile Banking
- eStatements
- Overdraft Fee Forgiveness†
You may also like:
- Smart Swipe***
- Savings Account
We will charge an NSF fee of $36 for each presentment that overdraws your account. We will not charge more than 6 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.
*Bank Independent will refund up to three ATM withdrawal fees charged by non-Bank Independent-owned ATMs each calendar month. Balance inquiry fees are not refundable. Foreign ATM usage fees charged by Bank Independent will be waived for eligible transactions. Foreign ATM transactions posted after 2:30 p.m. on the last business day of the month will be applied to the next month's refundable fees.
**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.
***Requires separate enrollment. See enrollment form for additional details.
†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.
This account includes:
- Free Debit Card and BI ATM access
- Free Online Banking
- 10% Safe Deposit Box discount (with auto-debit)
To complement this account, we recommend:
- Digital Wallet*
- Debit Card Management
- Smart Swipe
- Savings Account
- Mobile Banking
- eStatements
You may also like:
- Bank Independent Credit Card
- Overdraft Fee Forgiveness**
We will charge an NSF fee of $36 for each presentment that overdraws your account. We will not charge more than 6 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.
*Requires separate enrollment. See enrollment form for additional details.
**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.
This account includes:
- Free Debit Card and BI ATM access
- Free Online Banking
- 10% Safe Deposit Box discount (with auto-debit)
To complement this account, we recommend:
- Digital Wallet
- Debit Card Management
- Smart Swipe*
- Savings Account
- Mobile Banking
- eStatements
You may also like:
- Bank Independent Credit Card
- Overdraft Fee Forgiveness**
We will charge an NSF fee of $36 for each presentment that overdraws your account. We will not charge more than 6 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.
*Requires separate enrollment. See enrollment form for additional details.
**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.
This account includes:
- Free Debit Card and BI ATM access
- Free Online Banking
- 10% Safe Deposit Box discount (with auto-debit)
To complement this account, we recommend:
- Digital Wallet
- Debit Card Management
- Smart Swipe*
- Savings Account
- Mobile Banking
- eStatements
You may also like:
- Bank Independent Credit Card
- Overdraft Fee Forgiveness**
We will charge an NSF fee of $36 for each presentment that overdraws your account. We will not charge more than 6 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.
*Requires separate enrollment. See enrollment form for additional details.
**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.
This account includes:
- Free Debit Card and BI ATM access
- Free Online Banking
To complement this account, we recommend:
- Debit Card Management
- Mobile Banking
- eStatements
- Overdraft Fee Forgiveness**
We will charge an NSF fee of $36 for each presentment that overdraws your account. We will not charge more than 6 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.
*Requires separate enrollment. See enrollment form for additional details.
**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.
This account includes:
- Free Debit Card and BI ATM access
- Free Online Banking
- 10% Safe Deposit Box discount (with auto-debit)
To complement this account, we recommend:
- Digital Wallet
- Debit Card Management
- Smart Swipe*
- Savings Account
- Mobile Banking
- eStatements
You may also like:
- Bank Independent Credit Card
- Overdraft Fee Forgiveness**
We will charge an NSF fee of $36 for each presentment 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.
*Requires separate enrollment. See enrollment form for additional details.
**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.
This account includes:
- Free Debit Card and BI ATM access
- Free Online Banking
- 10% Safe Deposit Box discount (with auto-debit)
To complement this account, we recommend:
- Digital Wallet*
- Debit Card Management
- Smart Swipe
- Savings Account
- Mobile Banking
- eStatements
You may also like:
- Bank Independent Credit Card
- Overdraft Fee Forgiveness**
We will charge an NSF fee of $36 for each presentment 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.
*Requires separate enrollment. See enrollment form for additional details.
**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.
This account includes:
- Free Debit Card and BI ATM access
- Free Online Banking
To complement this account, we recommend:
- Debit Card Management
- Mobile Banking
- eStatements
- Overdraft Fee Forgiveness*