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Free Rewards Checking


All over Texas -- from McKinney to Waco and Austin to Denton, 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.


  • Earn 1.50% APY (Annual Percentage Yield) on balances up to $15,000.99¹
  • Free ATMs nationwide¹
  • If monthly qualifications are not met, you still earn 0.05% APY
  • Unlimited check writing
  • No monthly service charge
  • Free VISA debit card²
  • No minimum balance requirement
  • Free notary service
  • Free telephone banking
  • Free online banking and bill pay
  • Free mobile banking
  • Double Pay. Score Twice with Rewards Checking and REALSaver

¹ When you meet the minimum qualifications each month

² Subject to Bank approval

Rates are effective October 16, 2014 and are subject to change. Minimum opening deposit is $100.00. Personal accounts only. One account per customer. Rate tiers are as follows: 1.50% APY applies to balances of $.01 - $15,000.99 and 0.15% APY applies to balances $15,001.00 and above as long as qualifications are met each statement cycle. 0.05% APY applies to all balances if qualifications are not met. Rates are subject to change at bank's discretion. All balances will earn 1.50% APY to 0.15% APY as long as qualifications are met. Fees may reduce earnings.


Qualifications (Per Qualification Cycle)

  • Make (12) debit card transactions (excludes ATM transactions, must be posted not pending)
  • Initiate (1) ACH direct deposit or Auto Debit
  • Receive e-statements

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

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