Manage your money your way. Choose from our wide range of checking account options. Please see a First Independent Bank colleague for complete product details and account disclosures detailing fees that may apply.

Success Checking
Our basic personal checking with unlimited check writing. Maintain the required minimum daily balance, and you'll pay no monthly service charge.

Direct Checking
A simplified checking account with unlimited check writing. Simply establish and maintain direct deposit. No monthly service charge or minimum balance requirements.
*Direct deposit must be established within 2 statement cycles.

Achievers Checking
For individuals 55 years of age and over or full-time college students. Unlimited check writing, no minimum balance requirement and no monthly service charge. Full-time college students will be required to provide proof of enrollment status at account opening and on a periodic basis.

Premium NOW Checking
An interest bearing account with unlimited check writing, no fee cashier's checks or stop payments and free first order of checks. Maintain the required minimum daily balance, and you'll pay no monthly service charge.

Elite NOW Checking
Elite NOW Checking provides you with the convenience of unlimited check writing with the advantage of a competitive tiered interest rate - plus a host of other benefits. When you maintain the required minimum daily balance, you'll pay no monthly service charge.

First Independent Bank Personal Checking Account Matrix

For all accounts, see a bank colleague for definitions of terms used within this matrix that are not defined.

	Success Checking Questions about this account?	Direct Checking Questions about this account?	Achievers Checking* Questions about this account?	Premium NOW Checking Questions about this account?	Elite NOW Checking Questions about this account?
Best if you want	Unlimited check writing with a low minimum balance requirement.	Unlimited check writing with no service charges or minimum balance requirements with established direct deposit.†	Unlimited check writing with no service charges or minimum balance requirement. *For individuals 55 years of age or over and full-time college students. Full-time college students will be required to provide proof of enrollment status at account opening and on a periodic basis.	Interest bearing checking with unlimited check writing.	Higher yield account with unlimited check writing.
Monthly service charge	$10 monthly charge if daily balance falls below $500.	None	None	$10 monthly service charge if daily balance falls below $1,500.	$10 monthly service charge if daily balance falls below $5,000.
Minimum to open	$100	None	$100	$1500	$5,000
Earns Interest	No	No	No	Yes ‡	Yes ‡
Features	First statement cycle service charge waived.	No charge for first box of checks.	N/A	First statement cycle service charge waived; No fee cashier's checks; No fee stop payments; No charge for first order of checks.	First statement cycle service charge waived; No fee cashier's checks; No fee stop payments; No charge for Elite checks; no charge for 2 x 5 safe deposit box where available.
Online Banking	Yes, including free1 Bill Pay.	Yes, including free1 Bill Pay.	Yes, including free1 Bill Pay.	Yes, including free1 Bill Pay.	Yes, including free1 Bill Pay.
Disclaimer	1Free means no monthly maintenance or activity charges. † If direct deposit is not established within two (2) statement cycles, account will be converted to Success Checking. ‡ Please refer to current rate sheet and Deposit Account Agreement and Disclosures brochure for other terms and conditions on these accounts.