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A simple, inexpensive and convenient way to manage your money.

Enjoy the added security and payment history that comes with a full-service checking account. With Personal Checking you can enjoy all our banking benefits with no service charge on accounts with a $500 minimum daily balance.


  • Unlimited Check Writing
  • Free Mastercard®  Debit Card
  • No fee cash withdrawals at Independent Bank ATMs
  • Mobile Banking and iPhone®//Android™ App
  • eStatements
  • Online Banking and Bill Pay
  • Finance360
  • Bounce Protection available 30 days after account opening


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

1Subject to Bank approval.

2See Bounce Protection Brochure for more information, or visit

Mastercard is a registered trademark of Mastercard International Incorporated