Personal Checking That Fits Your Life
From everyday banking to premium features, Independent Bank has a checking account designed for you.

Find the Right Checking Account for You
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ONE Account
Earn up to 5.00% APY1
- No monthly service fees with eStatements2
- Free ONE Wallet digital banking
- No minimum balance required
- 32,000+ fee-free MoneyPass® ATMs nationwide
- Several overdraft service options
- Get up to $500 annually when you use your debit card3

Opportunity ONE
No Overdraft Fees
- No monthly service fees with eStatements2
- Free ONE Wallet digital banking
- No minimum balance required
- 32,000+ fee-free MoneyPass® ATMs nationwide
Earn up to $200* When You Open a New Checking Account
Apply Online
Establish Direct Deposit &
Swipe Your Debit Card

Manage Your Money with ONE Wallet Digital Banking
Personal Checking FAQs
Answers to your Common Questions about Checking Accounts.
What do I need to open a checking account?
Are there any fees for checking accounts?
Can I access my account online?
What security features are included?
Key Features of Our Checking Accounts
Skip a trip to the bank and deposit checks from your phone via ONE Wallet.
Send and receive money from those you trust in minutes.
We waive your fees at over 32,000 MoneyPass ATMs nationwide.
1 Annual Percentage Yield (APY). Rate based on monthly volume of debit card swipes. Rate subject to change without notice.
2 If eStatements are not selected, a $3/month fee will be assessed for paper statements. Fee may reduce earnings.
3 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.
$10 minimum deposit is required for all accounts at account opening. Accounts are subject to standard account opening guidelines. Other fees and restrictions may apply.
* Subject to 1099-INT reporting. Offer paid out within 60 calendar days of qualification. Valid for new checking account 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.