Value

From digital services to debit cards, Value Checking provides all the tools needed to keep your money moving and finances on track. 




All this for the low monthly service charge of just $5.

While other prices keep rising higher, Bank Independent continues to offer a checking option that's budget-friendly. Enjoy 24-hour account access, electronic Bill Pay, and other Online and Mobile Banking services for the same monthly price as a nice cup of coffee.
  • $25 minimum opening deposit.
  • 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.1
  • Free money orders.
  • Free access to Early PayDay2 to receive your paycheck quickly.
  • Free monthly eStatements (paper statements available for $2 per month3).
  • $5 monthly service charge. 
 


Disclosures
1 Bank Independent does not charge a fee for personal Mobile Deposit, although carrier data charges may apply.

2 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. 
 
3 $2.00 Service charge per statement cycle will be charged for paper statements. There is no monthly service charge for eStatements.

Personal Checks and counter checks will not be provided for this account. Overdraft protection and NSF services will not be provided for this account.