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Online Banking

Essential Student Accounts

Designed specifically for customers between the ages of 15 and 25

Essential Student Checking

No service charge
Overdraft safety net**
ATM fee refunds/month*

Some cool benefits you get:
Sync Mobile and Sync Online (our FREE digital banking tools)
No monthly service charge
3 foreign ATM refunds per month*
Mobile Check Deposit
A secure Bank Independent Debit card
Digital wallet options which allow you to make purchases right from your phone
It’s the best account for you if:
You are 25 or younger
Want free access to digital banking tools
Don’t want to worry about monthly service charges
Want full control of your debit card management
Want digital features like text alerts, mobile deposits, and keeping an eye on your money with an app

Essential Student Savings Account

Prepare for the future by growing your savings. Essential Student Savings is designed for students between the ages of 15-25 to encourage healthy saving habits and money management skills. Different from a checking account that provides immediate access to funds, a savings account allows your money to accumulate separately to meet long-term goals. For added convenience, Essential Student Savings comes with free Sync Mobile and Online banking, and Mobile Deposit. Students aged 15 and older with a valid government ID may open an Essential Student Savings without a parent or guardian.  Start earning interest on your savings and enjoy no service fees until you turn 26!

More for you to think about

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*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. We will charge an NSF fee of $36 for each presentment that overdraws your account beyond the overdraft safety net. 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.

† Zelle and the Zelle related marks are wholly owed by Early Warning Services, LLC and are used herein under license.