Free Rewards Checking

Summary

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

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)

Calendar

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