Earn bonus savings and get all the perks. Free for active duty military, 1^st Responders, Veterans and over-50 customers.

• Compounded interest earned and credited monthly
• $15 monthly service charge (waived for anyone over 50, veterans, active military and first responders)
• $5 minimum balance fee (waived if daily balance is more than $500 every day of the cycle or more than 25 point-of-sale debit card transactions are completed during statement cycle)
• Unlimited check writing
• $50 minimum deposit to open (waived with direct deposit)
• 1 Free box of checks each year
• No ATM fees at over 55,000 ATMs worldwide
• Three free cashier checks per month
• Free small safety deposit box for 1 year (subject to availability)
• Free telephone and digital banking, mobile check deposit, bill pay, e-statements
• Instant-issue debit card available

Open An Account

Skip the fees. When we say free checking, we truly mean free checking.

• No monthly service charge
• Unlimited check writing
• $50 minimum deposit to open (waived with direct deposit)
• Free check intro pack
• No ATM fees at over 55,000 ATMs worldwide
• Free telephone and digital banking, mobile check deposit, bill pay, e-statements
• Instant-issue debit card available

Open An Account

Earn interest while enjoying flexibility. We offer competitive rates and convenient access to your money.

• Compounded interest earned and credited monthly
• $10 monthly service charge if balance falls below $2,500
• Six free withdrawals per month; $10 per withdrawal after six
• $2,500 minimum deposit to open (waived with direct deposit)
• Free telephone and digital banking, mobile check deposit, bill pay, e-statements
• Instant-issue debit card available

Visit any of our convenient locations today to open a Patriot Money Market Checking.

The Little Patriots Savings Club is a fun and educational way to teach your children about saving, investing, spending and giving back to the community. Signing your children up to be Little Patriots is a great first step toward enhancing their financial knowledge and independence.

• $10 minimum opening deposit
• Independence Bank will contribute $7.76 to make the opening balance $17.76
• No minimum balance required
• No monthly or quarterly service charge
• Up to six withdrawals per calendar month
• Interest compounded and credited quarterly

Visit any of our convenient locations today to open a Little Patriots Savings Account.

A tax-advantaged savings account that helps pay for eligible medical expenses and more. 

• $50.00 minimum deposit required to open an account
• Interest compounded and credited monthly
• Tiered rate based on account balance
• Contact Independence Bank today for current rates, terms and conditions
• Some restrictions may apply

Open An Account

Leave the stress out of saving for the holidays.

• Variable deposit amounts allowed
• $10.00 minimum deposit required to open
• Interest compounded and credited annually
• $25.00 fee for closing account or making a withdrawal early
• Paid out annually by direct deposit

Open An Account

Leave the stress out of saving for your next vacation.

• Variable deposit amounts allowed
• $10.00 minimum deposit required to open
• Interest compounded and credited annually
• $25.00 fee for closing account or making a withdrawal early
• Paid out annually by direct deposit

Open An Account

We make it easy to reach your long or short-term savings goals. 

• Up to six free withdrawals per quarter to avoid fees
• $50.00 minimum deposit required to open an account
• Interest compounded and credited quarterly
• $5.00 fee if balance falls below $50.00 during the quarter

Open An Account

Make saving automatic! When you enroll in our Round Up Savings program, your transaction total will round up to the nearest dollar every time you swipe your debit card, automatically depositing the extra change into an Independence Bank savings account. Login to Digital Banking and fill out the Round Up Savings form under Messages.

• save money without even thinking about it
• save for vacation
• build an emergency fund
• donate your savings to a charity or non-profit
• businesses are eligible to enroll