Personal Checking

Revolutionary banking means checking accounts designed for the way you want to bank. Customize your account with options including free checking, online banking or the bonus savings you earn with an interest-earning checking account.

Use our Quick Switch service to transfer your accounts in 60 seconds or less.

Quick Switch

Let us switch your account in 60 seconds or less, or lunch is on us! Quick Switch is an easy way for customers to quickly and securely switch their current automated payments and direct deposits from their existing financial institution to their new account at Independence Bank, as well as close their previous accounts. Visit one of your convenient Independence Bank Locations to get started today!

Frequently Asked Questions

FREEDOM CHECKING REVOLUTIONARY CHECKING PATRIOT MONEY MARKET CHECKING
EARNS INTEREST No Yes Compounded and Credited Monthly Yes Compounded and Credited Monthly
MONTHLY SERVICE CHARGE None None for Anyone over 50, Veterans, Active Military, Police, Fire and Emergency Services Personnel; $15 Charge for All Others $9 Per Month if Balance Falls Below $2,500 During Cycle
CHECK WRITING Unlimited Unlimited 6 Debit Transactions Per Statement Date
MINIMUM DEPOSIT TO OPEN $50, Waived With Direct Deposit $50, Waived With Direct Deposit $2,500, Waived With Direct Deposit
CHECKS Free Intro Pack of 50 With Duplicates 2 Free Boxes per Year Standard Pricing Available
VISA® DEBIT CARD1 No ATM Fee at any Independence Bank or AllPoint ATM1 No ATM Fee at any Independence Bank or AllPoint ATM1 N/A
INSTANT-ISSUE DEBIT CARD Available Available N/A
CASHIER’S CHECKS $10 3 Free per Month $10
SAFE DEPOSIT BOX2 Various Sizes and Pricing Available Free Small Size for 1 Year, Subject to Availability Various Sizes and Pricing Available
ONLINE & TELEPHONE BANKING Free Free Free
MOBILE BANKING & MOBILE CHECK DEPOSIT Free Free Free
ONLINE BILL PAY Free Free Free
STATEMENTS Free Free Free

1 Subject to approval. A $0.75 fee, plus ATM owner fees may be assessed for transactions other than those at non-Independence Bank ATMs. 2 Various sizes and pricing available. For all three accounts, a $50 fee will be assessed if account is closed within 90 days of opening.

Visa® Debit Card

A Visa® debit chip card is available with any Independence Bank checking account. There are no monthly fees and no additional fees for PIN or signature-based transactions used at point of sale or as a debit card. You’ll have access to over 291,000 ATMs and you can make purchases wherever Visa® is accepted.1
With Instant Issue, customers can obtain a Visa® debit chip card instantly at account opening. With the latest chip technology as an added layer of security, and access to 1776 Alerts, you’ll have peace of mind and increased protection from fraud.

1 Subject to approval. A $0.75 fee, plus ATM owner fees may be assessed for transactions other than those at non-Independence Bank ATMs.
2 Fees will apply.

Reorder Checks

To reorder checks for an existing Independence Bank Checking Account, call or stop by your nearest Independence Bank location or use our online check reorder service.

Free ATMs

Enjoy the convenience of our Free ATMs, including over 55,000 surcharge-free AllPoint locations.

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