Free Rewards Checking

All over Texas -- from McKinney to Waco and Austin to Little Elm, it pays to bank with Independent Bank. This high interest checking account offers refunds on ATMs and no maintenance fees. Just deposit your money and get ready for your rewards.

Benefits:

• Earn 4.01% APY (Annual Percentage Yield) on balances up to $25,000.99¹
• Free ATMs nationwide¹
• If monthly qualifications are not met, you still earn 0.20% APY
• Unlimited check writing
• No monthly service charge
• Free VISA debit card²
• No minimum balance requirement
• Free notary service
• Free Independent Teller: 24-hour telephone banking
• Free Independent Online: Online banking and bill pay
• Combine with REALSaver and earn a double-dip of interest

¹ When you meet the minimum qualifications each month

² Subject to Bank approval

Annual Percentage Yield (APY) accurate as of 1/1/09. Minimum to open account is $100. Rate tiers are as follows: 4.01% APY applies to balances of $.01 - $25,000.99 and 1.00% APY applies to balances $25,0001 and up as long as qualifications are met each statement cycle. 0.20% APY applies to all balances if qualifications are not met. All balances will earn 4.01% APY to 1.00% APY as long as qualifications are met. Rates may change after the account is opened. Fees may reduce earnings.

Qualifications:

• $100 minimum opening balance
• Make eight (8) debit card purchases and initiate one (1) ACH direct deposit or auto debit each statement cycle to qualify for monthly rewards
• Personal accounts only
• Receive e-statements (when available)

Click here to see the full details of the Qualification and Statement cycles.