Ready To Choose Checking - for the control freak in all of us.
You're ready to admit it - you're a control freak. That's okay, we love control freaks. You know what you want and how you want it.
Welcome to control freak checking - where you decide what features and benefits you want.
You want to earn better interest on your time deposits? Get loan rate and fee discounts? How about no First Independent ATM fees when you get cash somewhere else? Perhaps some expert advice and a financial plan, free. No more overdraft fees. Plus all of the basics, like online banking, free bill pay, free identity theft resolution services, free debit card - and even some free checks.
See where you score on the Control-Freak-O-Meter.
Ready to make it your way? We’re ready for you.
Free | Choice | ChoicePlus
Checking accounts where you choose your benefits.
With ChoicePlus Checking, get all the bells and whistles
- Free 1st Order of 50 Checks
- Free IdentityFirst™ Identity Theft Advocacy and Resolution
- Unlimited Check Writing
- Free Online Banking
- Free Online Bill Pay
- Free Telephone Banking
- Upgrade to Gold or Platinum Visa Debit Card, with or without Security Photo
- Free ATM service at all First Independent ATMs
- $500 IndyPrivilege Overdraft Protection (learn more)
- Free Small Safe Deposit Box for One Year (subject to availability)
- Free Financial Review with a First Independent Financial Advisor*
Plus, CHOOSE two more items:
- 0.25% APR Discount on Current Loan Rate
- $50 Loan Fee Discount
- Waive 2nd Year Fee on Flex Line Home Equity Line of Credit
- Two Overdraft Fee Waivers per Year
- $10 Deposit to Your First Independent Savings or Money Market with Monthly Auto Transfer ++
- $10 Deposit to Your First Independent Savings or Money Market with Overdraft Protection Activation ++
- FREE Images on Paper Statements
- Free 1st Order of Custom Checks
And, PICK one more just for you:
- 0.25% APY Rate Bump on Any New CD of $20,000+
- Waive $15 Annual Fee on IRA Savings
- Waive $5 Auto Transfer Fee from Savings or MM to cover overdrafts
- Free ATM service at all non-First Independent ATMs ($1.50 FI surcharge. Other bank's charges may still apply.)
- Waive $100 Auto Loan Fee
Value: $497-708, depending on the choices and benefits you choose.
Monthly Service Charge: $15
Minimum Balance to Waive Monthly Service Fee: $5,000
Minimum to Open: $100
With Choice Checking, you automatically get:
- Free 1st Order of 50 Checks
- Free IdentityFirst™ Identity Theft Advocacy and Resolution
- Unlimited Check Writing
- Free Online Banking
- Free Online Bill Pay
- Free Telephone Banking
- Upgrade to Gold Visa Debit Card
- Free ATM service at all First Independent ATMs
- $300 IndyPrivilege Overdraft Protection (learn more)
- Free Small Safe Deposit Box for One Year (subject to availability)
- Free Financial Review with a First Independent Financial Advisor*
Plus, CHOOSE two more items:
- 0.25% APR Discount on Current Loan Rate
- $50 Loan Fee Discount
- Waive 2nd Year Fee on Flex Line Home Equity Line of Credit
- Two Overdraft Fee Waivers per Year
- $10 Deposit to Your First Independent Savings or Money Market with Monthly Auto Transfer ++
- $10 Deposit to Your First Independent Savings or Money Market with Overdraft Protection Activation ++
- FREE Images on Paper Statements
- Free 1st Order of Custom Checks
Value: $492-608, depending on the features and benefits you choose.
Monthly Service Charge: $5
Minimum Balance to Waive Monthly Service Fee: $2,500
Minimum to Open: $100
FREE Checking comes with the following benefits:
- Free 1st Order of 50 Checks
- Free IdentityFirst™ Identity Theft Advocacy and Resolution
- Unlimited Check Writing
- Free Online Banking
- Free Online Bill Pay
- Free Telephone Banking
- Free Visa® Debit Card with or without Security Photo
- Free ATM service at all First Independent ATMs
- $300 IndyPrivilege Overdraft Protection (learn more)
Value: $312
Monthly Service Charge: $0
Minimum Balance: $0
Ready to open your control freak checking account today? Visit any First Independent branch or call us at 360.699.4293 or 888.341.2265.
Download a Ready To Choose Checking brochure for complete details. (pdf)
To view pdf files, download Adobe Reader 
Equal Housing Lender