Essential Student 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. 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.