Compare Checking
When it comes to finding a checking account with the features you want, you have several great options at Bank Independent.
Get a checking account you can count on.
Your checking account is a go-to financial tool used every day, so you need one that delivers what you want. We give you the freedom to pick what's important to you. Choose to earn interest on your balance, go for a straightforward option, or select checking accounts geared toward different life stages. With all our checking accounts, you get access to the digital tools you need to manage your money anytime. That's independence.
Independent Plus Checking
- $25 minimum deposit
- Includes checks
- Up to 2 Non-Bank Independent ATM fee waivers a month2
- Three simple ways to avoid paying a $7 monthly service charge
Independent Young Adult
- For ages 18 to 25
- No monthly fees
- Up to 5 Non-Bank Independent ATM fee waivers a month2
Independent Plus Senior Checking
- For ages 62 and better
- 2 free packs of standard checks per year3
- Free paper statements
- Three simple ways to avoid paying a $3 monthly service charge
Independent Interest Checking
- $100 minimum deposit
- Tiered interest rates4
- Up to 5 Non-Bank Independent ATM fee waivers a month2
- Option to waive your $12 monthly service charge
Debit Cards
- Access money anytime
- Link to your phone for contactless payments
- Special features to manage and monitor your account
Choose Your Perfect Checking Account
Compare accounts
| Account Description | Independent | Independent Plus | Independent Plus Student | Independent Plus Senior | Independent Interest | Value |
|---|---|---|---|---|---|---|
| Free Debit Card & BI ATM Access |  |
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| Free Digital Banking & eStatements | |
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| Safe Deposit Box Discount | None | 10% with Auto-debit | 10% with Auto-debit | 10% with Auto-debit | 20% with Auto-debit + 1st Year Free on New Rental | None |
| Paper Statements with Images | Unavailable1 | $2 Per Month2 | $2 Per Month2 | FREE | FREE | $2 Per Month2 |
| $5 Daily Overdraft Safety Net3 | |
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Unavailable4 |
| Check Writing | Unlimited | Unlimited | Unlimited | Unlimited | Unlimited | Checks not available4 |
| Interest | None | None | None | None | Tiered5 | None |
| Non-Bank Independent ATM Fees Waived6 | None | Up to 2 Per Month | Up to 5 Per Month | None | Up to 5 Per Month | None |
| Minimum Opening Deposit | $25 | $25 | $25 | $25 | $100 | $25 |
| Monthly Service Charge | None | $7 Per Month | None | $3 Per Month | $12 Per Month | $5 Per Month |
| Can I Waive the Service Charge? | N/A | Yes View Details |
N/A | Yes View Details |
Yes View Details |
No |
Disclosures
1 Estatement Enrollment Required. If estatement enrollment is not completed within the first 30 day statement cycle the account will be changed to the Independent Plus Account which provides paper statements for a $2.00 service charge per statement cycle. There is no monthly service charge for estatements. If account is moved to the Independent Plus Account a $7.00 per statement cycle service charge applies unless you meet one of the following requirements: Maintain a daily minimum balance of $1,500 or more; Receive at least $500 in direct deposits during the statement cycle; OR Have a minimum of 5 non-ATM debit card transactions post to your account during the statement cycle.
2 $2.00 Service charge per statement cycle will be charged for paper statements. There is no monthly service charge for estatements.
3 An NSF/Overdraft 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/Overdraft fee of $36 for each presentment that overdraws your account. We will not charge more than 6 NSF/Overdraft fees to your account in one business day. An NSF fee is a charge that is assessed when a presentment is returned by the bank due to insufficient funds in the account. An overdraft fee is a charge assessed when a presentment is paid by the bank on an account with insufficient funds. 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 payment 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. We will not authorize and pay overdrafts for ATM transactions or everyday debit card transactions unless you ask us to. Deposits are required within 45 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. (Schedule of fees)
4 For Value Account Only: Personal Checks and counter checks will not be provided for this account. Overdraft protection and NSF services will not be provided for this account.
5 For Independent Interest Checking only: The interest rate and annual percentage yield for Independent Interest Checking is variable and will depend upon the applicable rate tier (See below). The interest rate and annual percentage yield for these tiers may change at our discretion. Interest will be compounded and added back to principal each statement cycle. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
If you close your account before the interest is credited, you will receive the accrued interest.
If you close your account before the interest is credited, you will receive the accrued interest.
Tiered Rate Disclosure - Effective as of 4/1/25
If your daily balance is $9,999.99 or less, the interest rate paid on the entire balance will be 0.05% with an annual percentage yield of 0.05%.
If your daily balance is more than $9,999.99, but less than $25,000, the interest rate paid on the entire balance in your account will be 0.05% with an annual percentage yield of 0.05%.
If your daily balance is more than $24,999.99, but less than $50,000, the interest rate paid on the entire balance in your account will be 0.05% with an annual percentage yield of 0.05%
If your daily balance is more than $49,999.99, but less than $100,000, the interest rate paid on the entire balance in your account will be 0.05% with an annual percentage yield of 0.05%.
If your daily balance is $100,000 or more, the interest rate paid on the entire balance in your account will be 0.05% with an annual percentage yield of 0.05%.
If your daily balance is $9,999.99 or less, the interest rate paid on the entire balance will be 0.05% with an annual percentage yield of 0.05%.
If your daily balance is more than $9,999.99, but less than $25,000, the interest rate paid on the entire balance in your account will be 0.05% with an annual percentage yield of 0.05%.
If your daily balance is more than $24,999.99, but less than $50,000, the interest rate paid on the entire balance in your account will be 0.05% with an annual percentage yield of 0.05%
If your daily balance is more than $49,999.99, but less than $100,000, the interest rate paid on the entire balance in your account will be 0.05% with an annual percentage yield of 0.05%.
If your daily balance is $100,000 or more, the interest rate paid on the entire balance in your account will be 0.05% with an annual percentage yield of 0.05%.
6 Non-Bank Independent ATM withdrawal fees charged by Bank Independent will be waived for eligible transactions. Non-Bank Independent ATM transactions posted after 2:30 p.m. on the last business day of the month will be applied to the next month's waived fees. Bank Independent will NOT refund ATM fees charged by the operating bank. Balance inquiry fees are not refundable.
Independent Plus - To Waive the Service Charge
Direct deposits totaling $500 or more per statement cycle OR a maintained minimum $1,500 account balance. At least 5 non-ATM posted debit card transactions within a statement cycle.
Direct deposits totaling $500 or more per statement cycle OR a maintained minimum $1,500 account balance. At least 5 non-ATM posted debit card transactions within a statement cycle.
Direct deposits totaling $500 or more per statement cycle OR a maintained minimum $1,500 account balance. At least 5 non-ATM posted debit card transactions within a statement cycle.
1 Estatement Enrollment Required. If estatement enrollment is not completed within the first 30 day statement cycle the account will be changed to the Independent Plus Account which provides paper statements for a $2.00 service charge per statement cycle. There is no monthly service charge for estatements. If account is moved to the Independent Plus Account a $7.00 per statement cycle service charge applies unless you meet one of the following requirements: Maintain a daily minimum balance of $1,500 or more; Receive at least $500 in direct deposits during the statement cycle; OR Have a minimum of 5 non-ATM debit card transactions post to your account during the statement cycle.
2 Non-Bank Independent ATM withdrawal fees charged by Bank Independent will be waived for eligible transactions. Non-Bank Independent ATM transactions posted after 2:30 p.m. on the last business day of the month will be applied to the next month's waived fees. Bank Independent will NOT refund ATM fees charged by the operating bank. Balance inquiry fees are not refundable.
3 Includes standard Bank Independent checks only; Premium check orders receive a $5 discount.
If your daily balance is $9,999.99 or less, the interest rate paid on the entire balance will be 0.05% with an annual percentage yield of 0.05%.
If your daily balance is more than $9,999.99, but less than $25,000, the interest rate paid on the entire balance in your account will be 0.05% with an annual percentage yield of 0.05%.
If your daily balance is more than $24,999.99, but less than $50,000, the interest rate paid on the entire balance in your account will be 0.05% with an annual percentage yield of 0.05%
If your daily balance is more than $49,999.99, but less than $100,000, the interest rate paid on the entire balance in your account will be 0.05% with an annual percentage yield of 0.05%.
If your daily balance is $100,000 or more, the interest rate paid on the entire balance in your account will be 0.05% with an annual percentage yield of 0.05%.
4 For Independent Interest Checking only: The interest rate and annual percentage yield for Independent Interest Checking is variable and will depend upon the applicable rate tier (See below). The interest rate and annual percentage yield for these tiers may change at our discretion. Interest will be compounded and added back to principal each statement cycle. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit non-cash items (for example, checks).
If you close your account before the interest is credited, you will receive the accrued interest.
Tiered Rate Disclosure - Effective as of 4/1/25 If you close your account before the interest is credited, you will receive the accrued interest.
If your daily balance is $9,999.99 or less, the interest rate paid on the entire balance will be 0.05% with an annual percentage yield of 0.05%.
If your daily balance is more than $9,999.99, but less than $25,000, the interest rate paid on the entire balance in your account will be 0.05% with an annual percentage yield of 0.05%.
If your daily balance is more than $24,999.99, but less than $50,000, the interest rate paid on the entire balance in your account will be 0.05% with an annual percentage yield of 0.05%
If your daily balance is more than $49,999.99, but less than $100,000, the interest rate paid on the entire balance in your account will be 0.05% with an annual percentage yield of 0.05%.
If your daily balance is $100,000 or more, the interest rate paid on the entire balance in your account will be 0.05% with an annual percentage yield of 0.05%.
5 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.