Monthly fee
$3
$0 a year for an everyday customer: fees and interest, $2,000 kept.
Independent Bank · Checking account
Independent Opportunity ONE
$0 a year for an everyday customer. $3 a month. $10 to open.
- A year, everyday customer
- $0
- 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.
- 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.
Against the market
How it ranks
#379of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- Debit card
- Mobile check deposit
- No minimum balance
- No overdraft fees
- Support 24/7
- Zelle
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
Terms
Fees
- Monthly fee
- $3 a monthindependentbank.com, checked Nov 8, 2026
- Ways to avoid the monthly fee
- Enroll in eStatements to avoid a $3 monthly fee for paper statements.independentbank.com, checked Nov 8, 2026
- Minimum to open
- $10independentbank.com, checked Nov 8, 2026
- Overdraft fee
- Noneindependentbank.com, checked Nov 8, 2026
- Returned item (NSF) fee
- Noneindependentbank.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
- Noneindependentbank.com, checked Nov 8, 2026
- Early closure fee
- Noneindependentbank.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