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. And there are plenty of other features too, including:

QuickSwitch

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.)

To get started, print and complete the forms below.

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

Visa® Check Card

An Independence Bank Visa® check 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

To apply for your Independence Bank Visa® check card, call or stop by your nearest Independence Bank location or download a check-card application.

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 locations in Lexington and Louisville

Click here to see our free ATM locations across Kentucky.

 

Reg E Disclosure

REVOLUTIONARY CHECKING PATRIOT CHECKING CAPITAL 50 CHECKING VETERANS VICTORY CHECKING STUDENT ADVANTAGE CHECKING
EARNS INTEREST No No Yes Compounded and Credited Monthly Yes Compounded and Credited Monthly No
MONTHLY SERVICE CHARGE None $6 None None None
CHECK WRITING Unlimited Unlimited Unlimited Unlimited Up to 10 Checks or Withdrawals per Month (25¢ per Transaction After 10) Unlimited w/Parent Account
MINIMUM DEPOSIT TO OPEN $50 $50 $50 $50 $50
CHECKS Free Introductory Checks Two Free Boxes per Year Two Free Boxes per Year Two Free Boxes of “Freedom” Checks per Year Charge
VISA/STAR CHECK CARD No ATM Fee at any Independence Bank or Central Bank ATM1 No ATM Fee at any Independence Bank or Central Bank ATM1 No ATM Fee at any Independence Bank or Central Bank ATM1 No ATM Fee at any Independence Bank or Central Bank ATM1 4 Free Non-Independence Bank ATM Transactions per Month if Parent Has Personal Checking Account
VISA TRAVEL MONEY® Service Charge Service Charge Service Charge Service Charge Service Charge
CASHIER’S CHECKS Service Charge 3 Free per Month 3 Free per Month Service Charge Service Charge
SAFE DEPOSIT BOX Service Charge Service Charge Free Small Size for 1 Year Service Charge Service Charge
ONLINE & TELEPHONE BANKING Free Free Free Free Free
ONLINE BILL PAY Free with Direct Deposit2 Free with Direct Deposit2 Free with Direct Deposit2 Free with Direct Deposit2 Free with Direct Deposit2
OTHER SERVICES Yes3 Yes3 Yes3 Yes3 Yes3

 


1 Subject to approval. A $0.75 fee, plus any fees from the owner of the ATM, may be imposed for ATM transactions at other than Independence Bank’s ATMs. Starting March 1, 2013, fees will be waived for ATM transactions from any of Central Bank of Kentucky’s ATMs.
2 A monthly service charge of $7.00 for service without direct deposit to checking. If account is closed within 90 days of open date, a $50 fee will be assessed.
3 All accounts include: Detailed monthly statements with check images, free internal transfers between Independence Bank accounts, automatic loan payment and overdraft protection line of credit (subject to credit approval).
VISA® is a registered trademark of Visa, Inc., in the United States and other countries, used with permission.