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Online Banking

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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 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.
*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.
**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. 
***Senior Perks can be added to any Personal Checking account, but requires separate enrollment for non-Essential accounts. 
†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

Get the bells, whistles, and all the perks that come with a deeper relationship, like free automatic enrollment in our Overdraft Fee Forgiveness†† program, up to three foreign ATM fee refunds each month,††† and free paper statements.

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

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 Essential Checking

All of your banking essentials in one worry-free package. This can be your go-to checking account, with three simple ways to avoid paying a $7 monthly service charge.

Essential Student Checking

More money, no problems. Essential Student comes with all the stuff you need - and don't want to pay for - like digital wallet, Mobile Deposit, up to three foreign ATM fee refunds each month,††† and an awesome $5 "safety net"‡‡ for those times when you spend a few dollars more than you should. And the best part is there is no monthly service charge!

Essential Senior Checking

Are you at least 62 years young? Essential Senior gives you the perks you've earned, like two free boxes of standard‡‡‡ checks each year, complimentary paper statements and three ways to waive your discounted $3 monthly service charge.

Waive the monthly service fee on any Essential account with:
  • 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.

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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.

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

††Please see first disclosure in section above.
†††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.
‡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.
‡‡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. 
‡‡‡Includes standard Bank Independent checks only; Premium check orders receive a $5 discount.

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