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Personal Checking That Fits Your Life

From everyday banking to premium features, Independent Bank has a checking account designed for you.

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Get 24/7 access to your accounts with smart tools that simplify banking.
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Personal Checking FAQs

Answers to your Common Questions about Checking Accounts.

What do I need to open a checking account?
You’ll need a valid ID, Social Security Number/Tax Payer ID, proof of address, and an initial deposit if required.
Are there any fees for checking accounts?
Both accounts have no monthly fees* when enrolled in eStatements. If eStatements are not selected, a $3/month fee will be assessed for paper statements. Fees may reduce earnings.
Can I access my account online?
Yes, all personal checking accounts include free ONE Wallet digital banking.
What security features are included?
Accounts come with fraud monitoring, encryption, and multi-factor authentication for added protection.

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.

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