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Getting Started

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You will need the following information in order to complete the application:

Social Security Number

Date of birth

Mailing address

A valid state ID

USA PATRIOT Act - To help the federal government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, and record information that identifies each person who opens an account.

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Available Products

Checking Savings Money Market Certificate Account

Essential Checking

Essential Checking offers a full range of features plus the flexibility to customize your account to your banking needs.

Min Deposit: $25.00

Essential Student

Are you a student 15-25 years of age? Open a full-featured Essential Student Checking account and enjoy no service charge until your 26th birthday.

Min Deposit: $25.00

Essential Senior

Are you 62 or more years young? Open a full-featured Essential Senior account and enjoy a discounted service charge.

Min Deposit: $25.00

Premier Checking

Premier Checking offers premium features, exceptional benefits and tiered interest.†

Max APY: 0.05% Min Deposit: $100.00

Basic Checking

Are you looking for a simple, everyday checking account? Our Basic Checking is just that...a great option for your basic banking needs.

Min Deposit: $25.00

Value Account

Want to opt out of the Overdraft Protection Program and avoid over-draft charges? Enjoy debit card and digital wallet purchases, and Mobile Banking for account management. Value Checking has you covered with only a $25 opening balance and $5 monthly service charge.

Min Deposit: $25.00

Regular Savings

Bank Independent's savings accounts are a great savings vehicle for those just starting out, or who need access to ready cash.†

APY: 0.05% Min Deposit: $100.00

Essential Student Savings

Essential Student Savings is designed specifically for students between the ages of 15-25. Grow your savings while you earn interest and enjoy no service fees until your 26th birthday.†

APY: 0.05% Min Deposit: $1.00

Christmas Club

Bank Independent's Christmas Club account makes it easy to save for the holidays.†

APY: 0.11% Min Deposit: $2.00

Smart Money Market

Bank Independent's Smart Money Market account is perfect for start-up businesses or those that need ready access to cash.†

Max APY: 0.05% Min Deposit: $2,500.00

Premier Money Market

Bank Independent's Premier Money Market accounts are linked to our innovative Smart Growth savings programs. If you would like to earn great rates on FDIC-insured funds, Bank Independent's Premier Money Market account is for you.†

APY: 0.05% Min Deposit: $1.00

5 Month Special

A Bank Independent Certificate of Deposit is a good savings alternative for individuals who don't need immediate access to savings and would like to see their money earn more.†**

APY: 4.67% Min Deposit: $1,000.00

7 Month Special

A Bank Independent Certificate of Deposit is a good savings alternative for individuals who don't need immediate access to savings and would like to see their money earn more.†**

APY: 5.06% Min Deposit: $1,000.00

17 Month Special

A Bank Independent Certificate of Deposit is a good savings alternative for individuals who don't need immediate access to savings and would like to see their money earn more.†**

APY: 4.02% Min Deposit: $1,000.00

17 Month Special*

A Bank Independent Certificate of Deposit is a good savings alternative for individuals who don't need immediate access to savings and would like to see their money earn more.†

*You are entitled to a one-time, penalty-free opportunity to make a partial withdrawal from this Certificate of Deposit without incurring an early withdrawal penalty. No additional funds may be added. The partial withdrawal will not extend or change the maturity date. The one-time option to make a partial withdrawal without a penalty will be allowed 7 days after the original certificate and will expire on the maturity date of the original certificate. It will not apply to the certificate if it is renewed or if it auto-renews.

APY: 3.52% Min Deposit: $1,000.00

1 Year CD

A Bank Independent Certificate of Deposit is a good savings alternative for individuals who don't need immediate access to savings and would like to see their money earn more.†**

APY: 4.01% Min Deposit: $1,000.00

2 Year CD

A Bank Independent Certificate of Deposit is a good savings alternative for individuals who don't need immediate access to savings and would like to see their money earn more.†**

APY: 4.01% Min Deposit: $1,000.00

3 Year CD

A Bank Independent Certificate of Deposit is a good savings alternative for individuals who don't need immediate access to savings and would like to see their money earn more.†**

APY: 2.71% Min Deposit: $1,000.00

4 Year CD

A Bank Independent Certificate of Deposit is a good savings alternative for individuals who don't need immediate access to savings and would like to see their money earn more.†**

APY: 3.01% Min Deposit: $1,000.00

5 Year CD

A Bank Independent Certificate of Deposit is a good savings alternative for individuals who don't need immediate access to savings and would like to see their money earn more.†**

APY: 3.01% Min Deposit: $1,000.00

Premier Growth CD

Bank Independent's Premier Growth accounts are linked to our innovative Smart Growth savings programs. If you would like to earn great rates on FDIC-insured funds, Bank Independent's Premier Growth account is for you.†**

Max APY: 0.05% Min Deposit: $1.00

APY (Annual Percentage Yield)

	Interest Rate	APY	Minimum Deposit	Term (months)
.	0.05%	0.05%	$100.00	N/A
.	0.05%	0.05%	$10,000.00	N/A
.	0.05%	0.05%	$25,000.00	N/A
.	0.05%	0.05%	$50,000.00	N/A
.	0.05%	0.05%	$100,000.00	N/A

	Interest Rate	APY	Minimum Deposit	Term (months)
.	0.05%	0.05%	$2,500.00	N/A
.	0.05%	0.05%	$10,000.00	N/A
.	0.05%	0.05%	$50,000.00	N/A
.	0.05%	0.05%	$100,000.00	N/A
.	0.05%	0.05%	$250,000.00	N/A
.	0.05%	0.05%	$500,000.00	N/A

	Interest Rate	APY	Minimum Deposit	Term (months)
.	0.05%	0.05%	$1.00	6 (min)
.	0.05%	0.05%	$1.00	12 (min)
.	0.05%	0.05%	$1.00	60 (min)

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Credit Card (max $500.00)

Transfer From Another Financial Institution (max $250,000.00)

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Internal Transfer

Processing time will vary based on your funding type. If you choose to transfer $5000 or less from another financial institution, you represent that you are a legal owner of the account, and you are authorizing Bank Independent to perform an electronic transfer (ACH) for the purposes of verifying and opening the account(s) above. If you choose to transfer over $5000 from another financial institution, you will be provided instructions to provide to the funding institution. Funds will be placed in the above referenced new account(s) no later than the next business day after the Bank receives your funds. Please refer to your Funds Availability Policy disclosure within your account documents for deposit availability times. NO REFUNDS will be made to the funding source. Credit card and ACH transfers authorizations cannot be revoked. Pending application approval, I agree to the funding of my account(s) using the amount(s) and method above.

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Instant Account Verification

We offer a way to instantly verify your account information using . We only use this partner service to retrieve information required to transfer funds from your specified financial institution and to verify that your current balance is sufficient for this transaction.

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By clicking the "Continue" button above, you are agreeing to the terms of our user agreement.

'Doing Business As' Information

DBA Business Information

Company Name

Business Tax ID Type

TIN

SSN

Business Tax ID

Show TIN

Your Business Tax ID is used for identification purposes.

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

Industry

Phone

(xxx) xxx-xxxx

DBA Physical Address

Country

Address

Zip

City

State

Occupancy Status

Occupancy Duration

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

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Tell Us About Yourself

Personal Information

Click or tap here to pre-fill information with your driver's license

Are you an employee of Bank Independent?

SSN

Show SSN

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

First Name

Middle Name

Last Name

Suffix (Jr., Sr., etc.)

Date of Birth

Current Physical Address

Country

Address

Zip

City

State

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Contact Information

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

About Your Employment

Employment Status

As the custodian for under the Virginia Uniform Transfers to Minor Act, I make this application on the minors

eSignature

Date:

Additional Information

Are you a US Citizen?*

In order to apply for an account online, you must be a US Citizen. Please feel free to visit one of our branches and we will be happy to accept your application.*

Are you an individual or an organization?*

This application is for personal accounts. If you would like to open an account for a business or organization, please refer to the Business Banking area of our website and select your accounts there.*

What is your county of residence?*

Are you a senior foreign political figure?*

What is the position held?*

In what country do you hold your position?*

Are you a close associate or family member of a senior foreign political figure?*

What is your relationship to the associated senior foreign political figure?*

What is the name of the associated senior foreign political figure?*

Do you have any beneficiaries?

Yes

Do you have another applicant?

Yes

Continue Or Go Back

To speed up the application process, please take a picture of the BACK of your United States driver’s license. This will prepopulate your name and address information directly to your application.

If you do not wish to use this feature simply click the “Done” button, to proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

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Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Done

System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.

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Transfer from another financial institution

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Funding

Fund via Internal Transfer

Fund via Credit Card

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Transfer from another financial institution

'Doing Business As' Information

Tell Us About Yourself

Co-Driver's License Scan

Driver's License Scan

Minor Applicant Information