Avoiding unintentional inconveniences and fees is easier with these options.
Keeping tabs on your checking account balance is the best way to avoid accidental overdrafts. Set up any or all of the following account alerts through Bank Independent Online and Mobile Banking services to receive alerts by email, text or upon login:
- Balance so you'll know when an account reaches a certain threshold
- Events like incoming direct deposits, funds transfer information, or statement notification
- Items including cleared checks
Most new personal checking accounts come with complimentary overdraft protection. After 60 days, your protection increases if your account is in good standing. Standard Overdraft Protection will help you avoid denied transactions, but according to federal regulations, you must tell us that you want it, or "opt in" for coverage for ATM withdrawals and everyday debit card transactions.
To Request, or "Opt In" to, Overdraft Coverage:
- Click here to complete the form;
Call Customer Service at (256) 386-5000 or (877) 865-5050; or
Stop by any of our convenient branch locations.
Unless you opt in, you have NO overdraft coverage on ATM withdrawals and everyday debit card purchases. This means that if there are insufficient funds in your account to cover your purchase, your transaction will be declined at the point of sale.
We want to keep a small overdraft from leading to a big charge, so we won’t charge you NSF fees when you end the day with an overdrawn balance of $5 or less. No special enrollment is required, and all Bank Independent checking accounts are eligible.
We all make mistakes. For $36 a year† we’ll forgive up to three of yours each calendar year and save you up to $108 in NSF fees. Visit a Personal Banker to enroll, or call Customer Service at (256) 386-5000 or (877) 865-5050.
Bank Independent offers additional overdraft protection plans, including an Overdraft Line of Credit and the option of drawing funds from another Bank Independent account to cover a negative balance.
For more information on available overdraft options, stop by any sales office or call Customer Service at (256) 386-5000 or (877) 865-5050 Monday through Saturday from 8:00 a.m. to 8:00 p.m. We're happy to find just the right solution for your needs.