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Personal Checking


With Personal Checking you can enjoy all our banking benefits with no service charge on accounts with a $500 minimum daily balance.


  • Free Visa® Debit Card
  • No fee cash withdrawals at Independent Bank ATMs
  • Telephone Banking
  • Mobile Banking and iPhone®//Android™ App
  • Text Banking¹
  • eStatements
  • Online Banking and Bill Pay
  • Finance360
  • Bank-by-Mail
  • Direct Deposit
  • Night Deposit
  • Free Notary Service
  • Unlimited Check Writing
  • Pre-Authorized Automatic Funds Transfer


  • $100 minimum opening balance
  • $500 minimum daily balance to avoid $10 monthly service fee

¹Available in 2013.

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