Independent
You can still find things that are free and worth a lot – like this full-service checking option that provides extra high value with no monthly service charge.
Write all the checks you want. Or operate paper-free if you prefer.
Some people like to manage money the traditional way, with a checkbook and pen. Others prefer time-saving technology, like Bank Independent's Online and Mobile Banking services. Independent Checking offers a full range of financial tools, so you can get things done any way you choose.
- $25 minimum opening deposit.
- No monthly service charge.
- Unlimited check-writing.
- Free debit card for fast, easy payments online and in stores.
- Link your debit card to your phone for convenient contactless purchases.
- Free Online Banking and Bill Pay.
- Free Mobile Banking and mobile check deposit.2
- Free monthly eStatements put account data at your fingertips (paper statements unavailable1).
- No insufficient funds fee on overdrafts of less than $5.3
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.
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 Carrier data charges may apply.
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)
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)