From easily accessing your funds on the go to staying in control of your finances with savings opportunities, First Independent Bank has convenient checking solutions. Explore and compare our wide variety of options below.
This checking account option is available to individuals, sole proprietors, or DBAs (Doing Business As) (Account must be in the name of the sole proprietor) of any age. A parent or legal guardian must be a joint account owner for all accounts associated with a minor. This may be the right checking account option for you if this is your first checking account or you plan to maintain a smaller balance in your account and are not interested in earning interest over time!
*Overdraft fees may apply.
**Third-party message, data, and/or internet service provider rates may apply.
Thank you for considering us as your new bank! To get started, you will need to apply for an account at your local First Independent Bank branch or via our easy online application. Use our Switch Kit Guide to prepare for your transition to a First Independent Bank account in advance for a streamlined experience. Click the Apply for an Account at Your Local Branch, Use the Switch Kit Guide | Personal User Guide, or Apply for an Account Online button below to get started with your preferred application method.
APPLY FOR AN ACCOUNT AT YOUR LOCAL BRANCH
USE THE SWITCH KIT GUIDE | PERSONAL USER GUIDE
To get started, you will need to apply for a new account at your local First Independent Bank branch or via our easy online application. Click the Apply for an Account at Your Local Branch or Apply for an Account Online button below to get started with your preferred application method.
Our First Plus Club is your all-access pass to even more convenient checking account services! This club is available to individuals of any age who have a First Advantage Checking Account or Investment Checking Account with us. This might be the right club for you if you’re looking for discounted or free FIB products and services or are interested in additional third-party services like travel and roadside assistance, ID theft assistance, or cell phone protection. We also recommend this option for individuals who are 55 years of age or older who plan to maintain a higher balance in their eligible checking account.
*Not a deposit. Not FDIC-Insured. Not insured by any federal government agency. Not guaranteed by First Independent Bank or an affiliate of First Independent Bank.
**Overdraft fees may apply.
***Third-party message, data, and/or internet service provider rates may apply.
To get started, you will need to mention that you would like to join First Plus Club when you apply for an account at your local branch or apply for an account online. Click the Join the First Plus Club button below to get started with your preferred application method.
To get started, you will need to reorder checks from Harland Clarke or Bank A Count Corp. online. You will need to reorder from the original company you selected at the time of your account opening. Click the Reorder Harland Clarke Checks or Reorder Bank A Count Corp Checks button below to get started with your current check provider.
This checking account option is available to individuals of any age who are depositing new money at First Independent Bank. A parent or legal guardian must be a joint account owner for all accounts associated with a minor. This might be the right checking account option for you if you are interested in a unique and competitive interest-bearing checking account feature, a wide variety of discounted or free FIB products and services, and plan to maintain a higher balance in your account and continue to grow your funds over time!
| TIER | MINIMUM DEPOSIT AND BALANCE | INTEREST RATE | ANNUAL PERCENTAGE YIELD |
|---|---|---|---|
TIER 1 | MINIMUM DEPOSIT AND BALANCE $0.00-$4,999.99 | INTEREST RATE
0.15% | ANNUAL PERCENTAGE YIELD 0.15% |
TIER 2 | MINIMUM DEPOSIT AND BALANCE $5,000.00-$19,999.99* | INTEREST RATE
3.65% | ANNUAL PERCENTAGE YIELD 3.71% |
TIER 3 | MINIMUM DEPOSIT AND BALANCE $20,000.00 | INTEREST RATE
1.05% | ANNUAL PERCENTAGE YIELD 1.06% |
*Member FDIC. Equal Housing Lender. Terms are accurate as of Friday, August 1, 2025. A copy of the current rate sheet will be provided to you upon initial account opening or at any time upon request. The First Advantage Plus Checking Account requires an initial minimum deposit of $2,500.00 new money. “New Money” are funds that are not currently on deposit at First Independent Bank. Funds must be deposited from an external source (financial institution, cash, etc.). Additional funds to the First Advantage Plus Checking Account do not have to be new money. There are three tiered, variable interest rates associated with the First Advantage Plus Checking Account. The tiers above are based on the daily balance. The partial (layered) balance method is used. The 3.65% interest rate and 3.71% APY associated with Tier 2 is a 12-month introductory rate offer, with the 12-month introductory rate offer period starting on the same day as the First Advantage Plus Checking Account opening. After the 12-month introductory rate offer period, the Tier 2 rate becomes variable and is subject to change at any time. To open and maintain the First Advantage Plus Checking Account, some First Independent Bank fees may apply, such as a monthly service charge, which generally totals $12.00. To avoid the estimated $12.00 monthly service charge, the First Advantage Plus Checking Account holder must meet the following requirements: Maintain the minimum average daily balance requirement of $5,000.00, have 12 combined First Independent Bank debit and/or credit card point-of-sale transactions per month, and enroll in e-statements. The 12 combined First Independent Bank debit and/or credit card point-of-sale transactions per month exclude ATM (Automated Teller Machine) withdrawals or debit card purchases that are pending or pre-authorized. First Advantage Plus Checking Account holders will receive the following benefits: First Independent Bank will refund foreign ATM fees up to $10.00 per month when the account holder brings in valid foreign ATM receipts within 60 days of the transaction to one of our locations, a one-time purchase of unused checks and/or debit cards from previous financial institutions for $10.00 from new customers, and waive the $25.00 annual fee associated with the First Reserve Account (overdraft protection) for the duration of time the account holder properly maintains the account. “Foreign ATM” is any ATM that is outside of the SHAZAM Privileged Status Network. Offer of First Reserve Account (overdraft protection) credit is subject to credit approval. Some restrictions may apply. Note that some fees may only apply upon the occurrence of an event and have been provided for informational purposes only. Fees could reduce the earnings on the account. Rates are subject to change. Terms are subject to change. Contact your local First Independent Bank team member for additional details.
**Overdraft fees may apply.
***Third-party message, data, and/or internet service provider rates may apply.
Thank you for considering us as your new bank! To get started, you will need to apply for an account at your local First Independent Bank branch or via our easy online application. Use our Switch Kit Guide to prepare for your transition to a First Independent Bank account in advance for a streamlined experience. Click the Apply for an Account at Your Local Branch, Use the Switch Kit Guide | Personal User Guide, or Apply for an Account Online button below to get started with your preferred application method.
APPLY FOR AN ACCOUNT AT YOUR LOCAL BRANCH
USE THE SWITCH KIT GUIDE | PERSONAL USER GUIDE
To get started, you will need to apply for a new account at your local First Independent Bank branch or via our easy online application. Click the Apply for an Account at Your Local Branch or Apply for an Account Online button below to get started with your preferred application method.
Our First Plus Club is your all-access pass to even more convenient checking account services! This club is available to individuals of any age who have a First Advantage Checking Account or Investment Checking Account with us. This might be the right club for you if you’re looking for discounted or free FIB products and services or are interested in additional third-party services like travel and roadside assistance, ID theft assistance, or cell phone protection. We also recommend this option for individuals who are 55 years of age or older who plan to maintain a higher balance in their eligible checking account.
*Not a deposit. Not FDIC-Insured. Not insured by any federal government agency. Not guaranteed by First Independent Bank or an affiliate of First Independent Bank.
**Overdraft fees may apply.
***Third-party message, data, and/or internet service provider rates may apply.
To get started, you will need to mention that you would like to join First Plus Club when you apply for an account at your local branch or apply for an account online. Click the Join the First Plus Club button below to get started with your preferred application method.
To get started, you will need to reorder checks from Harland Clarke or Bank A Count Corp. online. You will need to reorder from the original company you selected at the time of your account opening. Click the Reorder Harland Clarke Checks or Reorder Bank A Count Corp Checks button below to get started with your current check provider.
This checking account option is available to individuals of any age and trust accounts. A parent or legal guardian must be a joint account owner for all accounts associated with a minor. This may be the right checking account option for you if you plan to maintain a higher balance in your account and continue to grow your funds over time!
*Overdraft fees may apply.
**Third-party message, data, and/or internet service provider rates may apply.
Thank you for considering us as your new bank! To get started, you will need to apply for an account at your local First Independent Bank branch or via our easy online application. Use our Switch Kit Guide to prepare for your transition to a First Independent Bank account in advance for a streamlined experience. Click the Apply for an Account at Your Local Branch, Use the Switch Kit Guide | Personal User Guide, or Apply for an Account Online button below to get started with your preferred application method.
APPLY FOR AN ACCOUNT AT YOUR LOCAL BRANCH
USE THE SWITCH KIT GUIDE | PERSONAL USER GUIDE
To get started, you will need to apply for a new account at your local First Independent Bank branch or via our easy online application. Click the Apply for an Account at Your Local Branch or Apply for an Account Online button below to get started with your preferred application method.
Our First Plus Club is your all-access pass to even more convenient checking account services! This club is available to individuals of any age who have a First Advantage Checking Account or Investment Checking Account with us. This might be the right club for you if you’re looking for discounted or free FIB products and services or are interested in additional third-party services like travel and roadside assistance, ID theft assistance, or cell phone protection. We also recommend this option for individuals who are 55 years of age or older who plan to maintain a higher balance in their eligible checking account.
*Not a deposit. Not FDIC-Insured. Not insured by any federal government agency. Not guaranteed by First Independent Bank or an affiliate of First Independent Bank.
**Overdraft fees may apply.
***Third-party message, data, and/or internet service provider rates may apply.
To get started, you will need to mention that you would like to join First Plus Club when you apply for an account at your local branch or apply for an account online. Click the Join the First Plus Club button below to get started with your preferred application method.
To get started, you will need to reorder checks from Harland Clarke or Bank A Count Corp. online. You will need to reorder from the original company you selected at the time of your account opening. Click the Reorder Harland Clarke Checks or Reorder Bank A Count Corp Checks button below to get started with your current check provider.
We would be delighted to further assist you with any questions you may still have about Checking Accounts! Click the Contact Us button below to get in touch with a trusted team member at your local First Independent Bank!
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