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.

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® CHECK 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.

Quick Switch

Transferring your account to Independence Bank is quick, easy and – usually – delicious! If we can’t transfer your accounts in 60 seconds or less, we’ll buy you lunch. (One restaurant gift card per family. You must be 18 or older and not a bank employee or immediate family member.)

Quick Switch is powered by ClickSWITCH – 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. Account Holders will be able to utilize the ClickSWITCH program from their personal computer or mobile device anytime.

ClickSWITCH FAQs.

Stop by any Independence Bank location. We’ll take care of the rest.

Visa® Check Card

An Independence Bank Visa® check chip card is available with any of our checking accounts. There are no monthly fees and no extra fees for PIN or signature-based transactions used at point of sale or as a debit card, plus you’ll have access to over 291,000 ATMs.1 Your Independence Bank Visa® check card now includes the latest chip technology as an added layer of security providing increased protection on fraud. Traveling is now easier and more convenient with world-wide acceptance. You can make purchases wherever Visa® is accepted. Our Instant Issue card service is now available! This will allow customers to obtain a Visa® check chip card instantly at account opening. Also, if your card is lost or becomes damaged, stop by your nearest Independence Bank location for a replacement card.2 To apply for your Independence Bank Visa® check card, call or stop by your nearest Independence Bank location or download a check-card application.

Once you receive your new Visa® Check Card, you may activate it by calling 1-866-985-2273 (CARD), 24 hours a day or visit any Independence Bank ATM to complete a transaction or balance inquiry. You can also visit any Independence Bank location to activate your card during normal banking hours. Personal Identification Number (PIN) changes to your new or existing Visa® Check Card or HSA Check Card can also be made by calling 1-866-985-CARD, 24 hours a day or by visiting any Independence Bank location during normal banking hours.

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. 2Fees will apply.

1776 Alerts

1776 Alerts from Independence Bank lets you stay on top of your Visa® check card account activity. Once you’ve enrolled, 1776 Alerts will send you notifications via text or email any time your card is:

  • Used for an online transaction
  • Declined for a purchase
  • Used for purchases of any amount exceeding $25
  • Used for a foreign transaction

Best of all, this added peace of mind comes at no cost to you. And, opting in to 1776 Alerts is a snap.

View more information about 1776 Alerts.

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 by clicking here.

Free ATMs – including over 55,000 surcharge-free AllPoint locations

Click here to see our free ATM locations.

For additional accounts, please ask an Independence Bank Customer Service Representative. Reg E Disclosure