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Personal Checking Accounts

You're one-of-a-kind. Your checking should be, too.  Customize your account to fit your needs.

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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.
1. Requires separate enrollment for non-Premier accounts. Different enrollment fee may apply during the first calendar year 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.
2. 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. 
3. Senior Perks can be added to any Personal Checking account, but requires separate enrollment for non-Essential accounts. 
4. See account information below for details.
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All accounts come with Sync Mobile Banking.

Banking from the beach or the ballfield has never been easier. Mobile Banking brings the bank to you.

Check it out on Google Play or in the App Store today.

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 Premier Checking

We love to see our customers get the most out of their relationship with Bank Independent.  That’s why we offer the Premier Checking account with robust features that provide the most generous benefits for our customers. Enjoy automatic enrollment in our Overdraft Fee Forgiveness5 program, up to three foreign ATM fee refunds each month,6 and optional paper statements, all at no additional cost.

To waive your $12 monthly service charge, maintain a combined deposit/loan balance7 of $25,000 or more.





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 Essential Checking

Essentially everything you need in one worry-free checking account. Essential checking has you covered, with three simple ways to avoid paying a $7 monthly service charge.


Essential Senior Checking

There are a lot of things in life you may have outgrown because of your age.  An Essential Senior Checking account shouldn’t be one of them.  Sync Mobile and online convenience paired with two free boxes of standard8 checks each year, and complimentary, optional paper statements allows you to bank the way you want.

Created with our customers at least 62 years young in mind, Essential Senior Checking gives you all the perks you’ve earned and more.

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Sign up for Essential Checking or Essential Senior Checking and discover three convenient ways to waive your monthly service charge:
  • Direct deposits totaling $500 or more per statement cycle OR
  • A maintained minimum $1,500 account balance OR
  • At least 15 non-ATM posted BI Debit Card transactions within a statement cycle.

Essential Student Checking

Designed specifically for customers between the ages of 15 and 25, Essential Student Checking is loaded with convenient features like free Sync Mobile and Online banking, Mobile Deposit, a secure Bank Independent Debit card, and digital wallet options which allow you to make purchases right from your phone.

Use your debit card to withdraw cash at any of our Bank Independent ATMs for fee-free transactions.  When a Bank Independent ATM is not convenient, your Essential Student Checking account allows for up to three (3) foreign ATM fee refunds a month,6.  As you learn about responsible money management, enjoy the added protection of a $5 safety net9 in case you spend a few dollars more than you should.






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 Basic Checking

Prefer paperless banking? Ditch the checks and get what you need service-charge-free. From debit cards and digital wallets for spending to eStatements and Mobile Banking for account management, Basic Checking has you covered.




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 Value Account

Want to opt out of the Overdraft Protection Program and avoid over-draft charges? Enjoy debit card and digital wallet purchases and Mobile Banking for account management Value Checking has you covered with only a $25 opening balance and $5 monthly service charge.

Introducing Early PayDay10, a faster way to access funds.

moneybag circle iconEarly PayDay access may make funds from an incoming electronic ACH direct deposit available for use up to two days before the scheduled payment date.

This convenient new Early PayDay feature is currently available on the Value Account only.



Overdraft Management

We all make mistakes when it comes to managing our money. But Bank Independent has several programs to minimize, forgive or altogether avoid yours. Click here for more information on our overdraft options.



Debit Cards

Your Bank Independent Debit Card bundles purchasing power, convenience, state-of-the-art security and even simplified savings into one sleek silver package. Learn more here.



Need More Checks?  Order Your Checks Here




5. Please see first disclosure in section above.
6. 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.
7. 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.
8. Includes standard Bank Independent checks only; Premium check orders receive a $5 discount.
9. 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. 
10. With Early PayDay, the Bank may make funds from an incoming electronic ACH direct deposit available for use up to two days before the scheduled payment date. Not all direct deposits are eligible for Early PayDay. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Whether we make funds available early depends on when we receive the payor's payment instructions, any limitations we set on the amount of early availability, and standard fraud prevention screening. It is the responsibility of the customer to confirm the direct deposit is available for use. The Bank is not responsible for overdrafts that are associated with the failure of a deposit to post early. Eligible direct deposits are limited to electronic direct deposits of your payroll, pension, and government benefit payments made through the Automated Clearing House (ACH) network. Other deposits or credits to your account, such as deposits of funds from person-to-person payment services (e.g., Zelle®, Venmo, or PayPal transfers), check or mobile deposits, and other online transfers or electronic credits are not eligible for Early Pay Day.

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