Independent Plus Senior
You know the value of a dollar, and you know what you want in a checking account. This special account includes the tools to manage money along with some special perks we think you've earned.
More value, more convenience – it's a checking account tailored to you.
While you keep a close eye on your finances, you're always looking for ways to get more for your money. Independent Plus Senior Checking complements your strategy with several free features and special discounts.
- Created for customers age 62 years and better.
- $25 minimum opening deposit.
- $3 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 free packs of standard1 checks each year.
- Unlimited check-writing.
- Two non-Bank Independent ATM fee waivers each month.
- 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 and paper statements.
- No insufficient funds fee on overdrafts of less than $5.3
Disclosures
1 Includes standard Bank Independent checks only; Premium check orders receive a $5 discount.
1 Includes standard Bank Independent checks only; Premium check orders receive a $5 discount.
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)