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Choices selected for Choice and ChoicePlus must be made at account opening. (1) Subject to availability. Annual fee waived for first year only. (2) Overdraft (OD) fees are $35 per item when the overdraft created is $25.01 or greater; $10 per item when the overdraft created is between $5.01–$25; and no fee per item when the overdraft created is $5 or less, with a daily maximum of $210. Transactions where the OD fee may be imposed include checks and other debits cashed at our teller window, Automated Teller Machine (ATM) withdrawals, debit card/check card transactions, Electronic (ACH) debit transactions, pre-authorized or automatic debits, checks issued to a third party and Indy Online transactions. The amount of any overdraft created by paying the item and our OD fees is due within 28 days of the date the account became overdrawn. If items presented against your account exceed the predetermined overdraft coverage amount, returnable items, such as checks and electronic debits, will be returned. Some of the circumstances under which the bank will not pay an overdraft include accounts suspended from the service (if overdraft wasn’t cleared within 28 days), accounts that opted out from the service, new accounts (accounts opened less than 90 days), accounts with legal orders outstanding, accounts with signers under the age of 18 and dormant accounts. (3) Overdraft protection must be taken from a First Independent Savings or Money Market Account. (4) One introductory package of 50 wallet checks from First Independent’s check vendor. (5) $10 is deposited into First Independent Choice or ChoicePlus Checking Account when linked to savings or money market for overdraft protection and either auto transfer to savings/money market or direct deposit to Choice or ChoicePlus checking. The $10 is credited to Choice or ChoicePlus account 90 days after account opening. Available at account opening only. Subject to IRS reporting and applicable income taxes. Limit one per account. (6) Contact Client Services to request.