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Score twice with REALSaver and Rewards Checking accounts from Independent Bank, you can hit a homerun each and every month.

Simply meet the Rewards Checking account qualifications and we'll automatically deposit your earned interest and ATM fee refunds into your high-interest REALSaver account.


  • Earn 0.50% APY (Annual Percentage Yield) on balances up to $15,000.99¹
  • If qualifications are not met, you still earn 0.05% APY (the current savings rate)
  • No minimum balance
  • No monthly fees
  • Two free withdrawals per month, limited to six a quarter
  • Free telephone banking
  • Free online banking
  • Free mobile banking

¹ Rates are effective October 16, 2014 and subject to change. Personal accounts only. One account per customer. Rate tiers are as follows: 0.50% 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. All balances will earn 0.50% APY to 0.15% APY as long as qualifications are met. Fees may reduce earnings. Rates are subject to change at bank's discretion.



Simply meet the Rewards Checking account qualifications (see below) to earn more interest.

  • Make (12) debit card purchases (excludes ATM transactions)
  • Initiate (1) ACH Direct Deposit or Auto Debit
  • Receive eStatements


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

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