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Independent Checking

Choose checking that moves you toward financial independence. This versatile option empowers you with the services and benefits you need.

Key Features

  • Surcharge-Free ATM Access
  • Discounts on Loans
  • Free Digital Banking2
  • Free Safe Deposit Box7

CIB Exclusive Features & Benefits

Personal CIB Exclusive Features & Benefits

  • Versatile checking with many great benefits
  • $3.95 monthly service charge
  • Fee waived if one of the following applies:
    • Monthly ACH deposits totaling $500 or more; or
    • 10+ debit card transactions1per statement cycle; or
    • $500 minimum daily balance; or
    • Primary account holder is 22 years of age or under
  • Text/email account alerts2
  • Discount on loans with automatic debit
  • Person-to-Person (P2P) payments available
  • Overdraft protection available:
    • Automatically transfer funds from savings to cover overdrafts3
    • Convenience creditline of credit (subject to approval)
  • Free Mastercard® debit card
  • Free eStatements with images5, 6
  • Free digital banking, including mobile banking and digital wallet2
  • Safe deposit box included for first year only (5” x 3”, one per account)7
  • Free telephone banking (TeleBANK)
  • Surcharge-free ATMs available
  • $25 minimum deposit to open

1Posted debit card purchases only. ATM transactions excluded.

2Your mobile carrier's text messaging and internet charges may apply.

3A $9 transfer fee applies, limited to 6 transfers per month.

4$30 annual fee. Based on credit approval. 18.00% Annual Percentage Rate. Minimum monthly payment of 5% of outstanding balance or $25, whichever is greater.

5Must self-enroll in eStatements within 30 days to avoid the paper statement fee.

6Monthly paper statement fee $1.95/month; monthly images fee an additional $2.95/month.

7First-time CIB box holder. May upgrade to a larger box and pay the difference. A non-refundable lock transfer fee of $3 is required for all new rentals. There is a $250 drilling fee due to lost keys. A 10% charge is assessed on past due payments. Contents of safe deposit boxes are not FDIC insured.