Member FDIC Equal Housing Lender

Consumer Banking Services

We offer a complete line of consumer banking services to support your personal needs. This includes Online Banking, Consumer Checking Accounts, unique Consumer Savings Accounts, and many Other Consumer Services.

Consumer Banking

Independence Banking

This account has no minimum balance requirements, and no monthly service fees as long as you have a monthly direct deposit.

Direct Deposit Checking*
$100 overdraft protection**
Free debit card(s)
Free paper statements with images
Free online banking
Bill pay option

* Or $5 monthly service fee without direct deposit.  ** Upon favorable credit bureau review, 18% APR.  First year fee waived.  $12 per year upon renewal.

Command Banking

This account is for clients who maintain higher minimum balances and wish to earn interest on their checking account.

Checking with interest
$1000 minimum balance*
$500 overdraft protection**
Free debit card(s)
Free paper statements with images
Free online banking
Bill pay option
First 24 checks free

* Or $5 monthly maintenance fee.  ** Upon favorable credit bureau review. 18% APR. First year fee waived. $12 per year upon renewal.

Universal Banking

This account is a premium account designed to enhance our financial partnership and provide you with the extras you deserve.

Checking with interest
$5000 minimum balance*
$1000 overdraft protection**
Free debit card(s)
Free online banking
Bill pay option
Free paper statements with images

*Minimum combined balance of $5000 includes checking, T-Bill, savings, and CD accounts.  $12 monthly service fee if combined balance falls below $5000.  **Upon favorable credit bureau review, 18% APR.  First year fee waived.  $12 per year upon renewal.

 

T-Bill Checking

This is for customers who want the convenience of a checking account but want to earn interest on tiered balances. Interest rates are based on the Treasury Bill Rate. Ask for current rates.

No minimum balance required
Tiered interest rates - Higher balances earn higher interest rates
Interest is paid Monthly
Itemized statements each month
Optional online banking access

Consumer Savings Accounts

Regular Savings Plan

This account is designed for any customer who would like to earn interest on money that they do not need for daily living expenses.

No minimum balance required to earn interest
Tiered interest rates - Higher balances earn higher interest rates
Itemized statement quarterly
Interest is paid quarterly
Optional online banking access

Minor Savings Plan

This account is designed for our minors under the age of 18 years old, whose parents also have a checking account with us.

No minimum balance required to earn interest
Open with as little as $10.00
Tiered interest rates - Higher balances earn higher interest rates
Itemized statement quarterly
Interest is paid quarterly

Other Consumer Services

Call Back Service

OVERDRAFTS AND CHARGE BACKS are no longer a worry because we will call you if either occurs and give you time to come in and cover your checks with our special calling service. You are only charged for this service if we ever call you. It costs you NOTHING to have this service on your account.

ATM and Debit Cards

All of our accounts have 24 hour access with our ATM or Debit Cards. They can be used at thousands of ATMs nationwide. Our debit card also allows you to pay for your purchases without writing a check.

Overdraft Protection

With credit approval, we can attach a line of credit to any of our checking accounts. This will cover you if you make a mistake and become overdrawn. The money will automatically advance funds into your account. It also allows you access to a loan anytime by simply writing a check.