Personal Checking Accounts

Compare Your Checking Options

At First Independent Bank, we give you a choice of three convenient, cost-efficient personal checking accounts1, all of which include online banking2, bill pay and eStatements.

    Personal Checking
    Personal Interest Checking
    Elite Personal Checking

    Best For

    Customers who want a simple, no-frills checking account

    Customers with a moderate monthly balance, or those over 55, who want to earn interest

    Customers with a high monthly balance who want to earn interest

    Monthly Service Fee




    Ways to Waive the Monthly Service Fee

    • Daily balance of $500
    • Monthly recurring direct deposit

    • Daily balance of $1,500
    • Waived for customers 55 and older

    • Daily balance of $2,500

    Debits, Credits & Deposited Items




    Interest Earning




    Personal Checking

    This account is ideal if you want no-frills, standard checking, with unlimited transactions, MoneyPass® ATMs/Debit card and more. There’s no service charge with a monthly recurring direct deposit.

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    Personal Interest Checking

    With this account, you earn interest on your deposited funds, and we’ll waive the monthly service charge if you’re 55 or older.

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    View your deposit account statements online, and receive an email when your latest statement is available to view. With eStatements, you’ll:

    • Have immediate availability of statement activity. 
    • Decrease the risk of mail fraud and identity theft that comes with mail delivery. 
    • Reduce the clutter of paper statements. 
    • Have access to your financial information 24 hours a day from anywhere with Internet access.
    • Help protect the environment by going paperless.

    It’s easy to enroll for eStatements, and there are no additional fees for this service.

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    1. Refer to the disclosures provided at account opening and the Schedule of Fees and Charges for additional information.
    2. Fees may be imposed for additional services related to online banking. Refer to Personal Online Banking Service Agreement for more information.