Checking Services Interest Bearing Checking Product Name 1st Rate Checking Elite Checking Advantage 50 Checking Ideal Customer Individuals wanting to earn competitive interest rate Individuals wanting to earn competitive interest rate Individuals age 50+ Minimum balance to avoid service charge $2,500 daily balance required $5,000 daily balance required $0 Minimum to open $2,500 $5,000 $100 Service Charge $10 if below minimum balance $10 if below minimum balance None Interest Competitive rates on average balances based on the following tiers: $0-$9,999.99 $10,000+ Competitive rates on average balances based on the following tiers: $0-$9,999.99 $10,000-$49,999.99 $50,000-$99,999.99 $100,000+ Competitive rates on average balances over $1,000 Account Benefits FREE Debit Card, Online Banking & Bill Pay, unlimited check writing FREE wallet-style 1st Independence Bank checks, stop payments, travelers & official checks FREE Debit Card, Online Banking & Bill Pay, unlimited check writing FREE wallet-style 1st Independence Bank checks, stop payments, travelers & official checks FREE Debit Card, Online Banking & Bill Pay, unlimited check writing Non-Interest Bearing Checking Product Name FREE Checking ATM Advantage Checking 2nd Chance Checking Honors Checking for Students Ideal Customer Individuals getting started or wanting a FREE account Individuals who are high-users of ATM card Individuals seeking a fresh start with their finances College students and high school achievers Age restrictions may apply Minimum balance to avoid service charge $0 $250 $0 $0 Minimum to open $100 $100 $100 $100 Service Charge None $10 if below minimum balance $5 per statement cycle $4 per statement cycle Interest None None None None Account Benefits FREE Debit Card, Online Banking & Bill Pay, unlimited check writing Use your ATM card FREE anywhere and we reimburse any surcharge FREE Debit Card, Online Banking & Bill Pay, unlimited check writing Debit Card after 90 days Ask us for details FREE Debit Card, Online Banking & Bill Pay, unlimited check writing Use your ATM card FREE anywhere and we reimburse any surcharge FREE Debit Card, Online Banking & Bill Pay, unlimited check writing Back to Top