Independent ONE Account

$0 a year for an everyday customer. $3 a month. $10 to open.

Checked Nov 8, 2026Updated Nov 1, 2026

A year, everyday customer: $0
APY: Receipt · APYChecked Nov 8, 2026
Issuer document · independentbank.com · PDF
The source states this figure; we have no exact sentence on file yet.
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Monthly fee: Receipt · Monthly feeChecked Nov 8, 2026
Issuer document · independentbank.com · PDF
The source states this figure; we have no exact sentence on file yet.
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To open: Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · independentbank.com
The source states this figure; we have no exact sentence on file yet.
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Against the market

How it ranks

#317of 1043 checking accounts, by a year’s value for an everyday customer

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

In the bank’s words

Balance needed for the APY: $0independentbank.com, checked Nov 8, 2026
To earn the APY: 46 or more debit card swipes each statement periodindependentbank.com, checked Nov 8, 2026
APY when those aren’t met: 0.01%independentbank.com, checked Nov 8, 2026
APY paid on balances up to: $10,000independentbank.com, checked Nov 8, 2026

Monthly fee: $3 a monthindependentbank.com, checked Nov 8, 2026
Ways to avoid the monthly fee: No monthly maintenance fee when enrolled in eStatements.independentbank.com, checked Nov 8, 2026
Minimum to open: $10independentbank.com, checked Nov 8, 2026
Overdraft fee: $34independentbank.com, checked Nov 8, 2026
Returned item (NSF) fee: $34independentbank.com, checked Nov 8, 2026
Most overdraft fees in a day: 5independentbank.com, checked Nov 8, 2026
ATM network: MoneyPassindependentbank.com, checked Nov 8, 2026
ATMs in the network: 32,000independentbank.com, checked Nov 8, 2026
International ATM fee: $3.50independentbank.com, checked Nov 8, 2026
Incoming domestic wire: $15independentbank.com, checked Nov 8, 2026
Outgoing domestic wire: $25independentbank.com, checked Nov 8, 2026
Incoming international wire: $15independentbank.com, checked Nov 8, 2026
Outgoing international wire: $60independentbank.com, checked Nov 8, 2026
Paper statements: $3 a monthindependentbank.com, checked Nov 8, 2026
Inactivity fee: $10independentbank.com, checked Nov 8, 2026
Early closure fee: $10independentbank.com, checked Nov 8, 2026
Cashier’s check: $7independentbank.com, checked Nov 8, 2026
Stop payment: $34independentbank.com, checked Nov 8, 2026

FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.

Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees

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