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Free Rewards Checking
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EARN REWARDS
- Earn high interest1
- Enjoy ATM fee refunds2
- Links directly to REALSaver
- No minimum balance requirement
- Includes Mastercard® debit card3
- Bounce Protection
Monthly Service Charge
None
Minimum Balance
None
Minimum Opening Deposit
$100
Personal Checking
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ALL AROUND VALUE
- All the essentials in one account
- $500 minimum balance requirement
- Mastercard® debit card available on request1
- Bounce Protection2
Monthly Service Charge
$10 if your balance falls lower than $500
Minimum Balance
$500
Minimum Opening Deposit
$100
Free Checking
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FREE & EASY
- Simple, straightforward checking
- No minimum balance requirement
- Mastercard® debit card available on request1
- Bounce Protection
Monthly Service Charge
None
Minimum Balance
None
Minimum Opening Deposit
$25
IntroChecking
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GO CHECKLESS
- Use your Mastercard® debit card to make purchases1
- No Checks
- No non-sufficiant funds fees
- No minimum balance requirement
Monthly Service Charge
$4.95
Minimum Balance
None
Minimum Opening Deposit
$25
Platinum Checking
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FOR CUSTOMERS OVER 50+
- Earn Competitve Interest
- Exclusive account for customers age 50+
- Includes unlimited wallet-style checks
- No minimum balance requirement
- Mastercard® debit card available on request1
- Bounce Protection
Monthly Service Charge
None
Minimum Balance
None
Minimum Opening Deposit
$50
Now Checking
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SPECIALTY INTEREST
- Earn Competitve Interest
- $1,500 minimum balance requirement
- Mastercard® debit card available on request1
- Bounce Protection
Monthly Service Charge
$8 if your balance falls lower than $1,500
Minimum Balance
$1,500
Minimum Opening Deposit
$50
All Accounts Include
Features
- Free Anywhere Banking
- No fee for cash withdrawals at Independent Financial ATMs
- Digital Banking: Online Banking with Bill Pay, Mobile Deposit, and eStatements
- Direct Deposit
- Telephone Banking
- Mobile Wallet
- Notary Service
- Finance360
Free Rewards Checking:
1APY=Annual Percentage Yield. Rates are effective September 21, 2017 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–$10,000.99 and 0.15% APY on the additional balance - as long as qualifications are met each statement cycle. 0.01% APY applies to all balances if qualifications are not met. Rates are subject to change at bank's discretion. Fees may reduce earnings.
Enrollments must be in place and all of the following transactions and activities must post and settle to your Free Reward Checking account during each Monthly Qualification Cycle:
- At least 1 direct deposit or ACH payment transaction
- At least 12 debit card purchases
- Be enrolled in and review eStatements
2Maximum refund on all nationwide ATM fees is $20 per statement cycle - if qualification requirements are met. If qualification requirements are not met, the ATM fees for that monthly statement cycle are not refunded.
3Subject to bank approval.
Personal Checking:
1Subject to Bank approval.
2See Bounce Protection Brochure for more information, or visit ifinancial.com.
Mastercard is a registered trademark of Mastercard International Incorporated
Free Checking:
1Subject to Bank approval.
IntroChecking:
1Subject to Bank approval.
Platinum Checking:
1Subject to Bank approval.
NOW Checking:
1Subject to Bank approval.
REALSaver Savings
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AUTOMATIC SAVINGS
- Grow your savings effortlessly
- Earn competitive interest on your balance
- No minimum balance requirement
- Links to Free Rewards Checking
- Auto-transfers Free Rewards Checking earnings
- 2 free withdrawals per month; $2 fee for each in excess
Monthly Service Charge
None
Minimum Balance
None
Minimum Opening Deposit
$150
Regular Savings
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SECURITY & SIMPLICITY
- Straightforward, safe savings account
- Earn competitive interest on your balance each quarter
- No minimum balance requirement
Monthly Service Charge
$10 if your balance falls lower than $250
Minimum Balance
$250
Minimum Opening Deposit
$150
View All Accounts
REALSaver Savings:
1APY=Annual Percentage Yield. Rates are effective September 21, 2017 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. 0.01% 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.
Qualifying for your Free Rewards Checking rewards automatically qualifies you for the highest REALSaver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Free Rewards Checking account during each Monthly Qualification Cycle:
- At least 1 direct deposit or ACH payment transaction
- At least 12 debit card purchases
- Be enrolled in and review eStatements