Independent Young Adult
Speaking of independence, as a young person you're now handling new responsibilities on your own. It's time for a checking account with the advanced features you need to take the next step.
Loaded with the features you like.
Technology is your go-to tool. So while you may actually write a check or two, we think you'll really like our Online Banking services and mobile app that – among other time-saving features – allows you to deposit checks from almost anywhere.
- Account available to young people ages 18 to 25.
- No monthly fees.
- Five 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
- Send cash to friends and family members with Zelle®.3
- $5 Overdraft safety net4
Pay Yourself Through Smart Swipe
Give your savings a boost automatically. It's easy with Smart Swipe. Here's how it works:
- Use your Bank Independent Debit Card for any purchase.
- We'll round up that amount to the nearest dollar.
- The difference automatically gets deposited into the account you choose.
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.
2 Carrier data charges may apply.
3 Zelle and the Zelle related marks are wholly owed by Early Warning Services, LLC and are used herein under license.
4 $5 Safety Net - 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)