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The checking account that earns you up to
5.00% APY*

Open an Account

Earn up to $200^ When You Open a New ONE Account

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Apply Online

Complete our online application.

Open an Account

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Establish Direct Deposit

Earn $100 when you receive 4 or more direct deposit transactions of $50 or more within 90 calendar days of opening your account.

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Swipe Your Debit Card

Earn $100 when you swipe your new debit card 15 times each month for the first 90 calendar days of opening your account.

 

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Earn up to 5.00% APY**

When you swipe your Independent Bank Debit Mastercard, the more you swipe, the more you earn. You could earn up to $500 a year!^

Plus, with eStatements, the checking account is FREE.1

Open an Account

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Take control of your finances by banking anytime, anywhere with ONE Wallet online & mobile banking. Download our 4.5 star rated app from both the Apple App Store and the Google Play Store.

Download on the App Store  Get it on Google Play

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Carefree overdraft policies 

Take advantage of multiple Overdraft Privilege options that best suit your needs with your ONE Account.

Learn more here

Secured & Insured

Enjoy Peace of mind with our 24/7 fraud monitoring with our Debit Mastercard®. Additionally, your funds are Member FDIC insured.

Learn more here

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Open an Account

Other ways to open an account

call

Call us at 800.355.0641
Hours of operation

appointment

Schedule an Appointment
Video, phone, or in-person

branch

Branches
Search Locations


ONE Account Rates

# of Transactions

Rate

APY

0-10 transactions

 0.01% 0.01%

11-20 transactions

 0.25% 0.25%

21-30 transactions

 0.75% 0.75%

31-45 transactions

 1.50% 1.51%

46+ transactions

 4.89% 5.00%

0-10 transactions

Rate - 0.01%
APY - 0.01%

11-20 transactions

Rate - 0.25%
APY - 0.25%

21-30 transactions

Rate - 0.75%
APY - 0.75%

31-45 transactions

Rate - 1.50%
APY - 1.51%

46+ transactions

Rate - 4.89%
APY - 5.00%

 

Remaining balances over $10,000 will earn 0.10%.

Rate information is current as of March 26, 2024, but rates may vary. To speak with your local banker, please see the Location Directory for contact information.

*Annual Percentage Yield (APY). Rate is accurate as of March 26, 2024. Rate based on monthly volume of debit card usage. Rate subject to change without notice. 1 If eStatements are not selected, a $3/month fee will be assessed for paper statements. Fee is subject to change at any time. Fees may reduce earnings. $10 minimum deposit is required at account opening. Subject to standard account opening guidelines. ^Up to $500 example based upon an average daily balance of $10,000 and 46 or more debit card swipes each statement period. Interest of 0.10% APY will be paid on balances over $10,000.01.

^Subject to 1099-INT reporting. Offer paid out within 60 calendar days of qualification. Valid for new bank customers customers only. Cannot be combined with any other offer. Account must be in good standing to receive the bonus. Account must be opened by June 30, 2025. 
© 2023 Independent Bank