Independent Plus
Looking for more in your checking account? We're happy to provide it. Get all the convenient money-management tools you need, plus some special extras.
Do more with your daily money management using this checking account.
All the digital tools? Check. No limits on transactions? Check. Service charge waivers and discounts? Check. Independent Plus Checking checks a lot of boxes for your personal finances. It's a convenient account with all the features you use every day.
- $25 minimum opening deposit.
- $7 monthly service charge waived if your direct deposits total more than $500 per statement cycle, or you maintain a minimum $1,500 account balance, or at least 5 non-ATM debit card transactions post to your account within a statement cycle.
- 10% safe deposit box discount when you pay for the box with automatic debit.
- Two non-Bank Independent ATM fee waivers each month.1
- 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 (paper statements available for $2 per month3).
- Unlimited check-writing.
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No insufficient funds fee on overdrafts of less than $5.4
Disclosures
1 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.
1 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.
2 Carrier data charges may apply.
3 $2.00 Service charge per statement cycle will be charged for paper statements. There is no monthly service charge for eStatements.
4 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)