19 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 14, 2026.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $6, the middle of its prices
Overdraft (OD)
Non-Network ATM
Compared at $3.25, the middle of its prices
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Alabama, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Bring fees, filings and market context together.
Amounts from Bank Independent’s own schedules, with a source for each figure.
per month
per month
per month
per month
per hour
per month
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| All this for the low monthly service charge of just | $5 | per month | None |
| Independent Interest Checking Monthly service charge | $12 | per month | None |
| Independent Plus Checking Monthly service charge | $7 | per month | None |
| Independent Plus Senior Checking Monthly service charge | $3 | per month | None |
| Closed Account Within 180 Days of Opening | $25 | Not stated | None |
| Escheatment Fee | $20 | Not stated | None |
| Account Research (Per Hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Free monthly eStatements (paper statements available | $2 | per month | None |
| Returned Mail (Monthly, First 90 Days) | $10 | per month | None |
Overdraft & NSF | |||
| Overdraft (OD) | $36 | per item | None |
| Overdraft Automatic Transfer (Per Occurrence) | $10 | per item | None |
ATM & Card | |||
| ATM | $4 | Not stated | None |
| Foreign ATM Withdrawal and Inquiry | $2.50 | Not stated | None |
Wire Transfers | |||
| Outgoing Foreign Wire Transfer | $40 | Not stated | None |
| Incoming Foreign Wire Transfer | $20 | Not stated | None |
Check Services | |||
| Official Check (Each) | $8 | per item | None |
| Money Order (Each) | $6 | per item | None |
| Stop Payment | $36 | Not stated | None |
| Counter Check Production | $5 | Not stated | None |
| Collection Item (Incoming/Outgoing) | $20 | Not stated | None |
| Check Copies (Number Sequence) | $5 | Not stated | None |
| Check Image Copy (Each) | $3 | per item | None |
Account Services | |||
| Notary | $5 | Not stated | None |
| Drilling (audience not stated, treated as personal) | $150Not compared: Box drilling or key fee | Not stated | None |
| Late Payment Fee (audience not stated, treated as personal) | $10Not compared: Box drilling or key fee | Not stated | None |
| Lost Key (audience not stated, treated as personal) | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 (audience not stated, treated as personal) | $110 | Not stated | None |
| Safe Deposit Box 10 x 15 (audience not stated, treated as personal) | $150 | Not stated | None |
| Safe Deposit Box 2 x 5 (audience not stated, treated as personal) | $25 | Not stated | None |
| Safe Deposit Box 3 x 10 (audience not stated, treated as personal) | $55 | Not stated | None |
| Safe Deposit Box 3 x 5 (audience not stated, treated as personal) | $30 | Not stated | None |
| Safe Deposit Box 4 x 10 (audience not stated, treated as personal) | $60 | Not stated | None |
| Safe Deposit Box 4 x 5 (audience not stated, treated as personal) | $40 | Not stated | None |
| Safe Deposit Box 5 x 10 (audience not stated, treated as personal) | $75 | Not stated | None |
| Safe Deposit Box 5 x 15 (audience not stated, treated as personal) | $125 | Not stated | None |
| Safe Deposit Box 5 x 5 (audience not stated, treated as personal) | $50 | Not stated | None |
| Levy/Garnish/Tax | $100 | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Closed Account Within 180 Days of Opening | $25 | Not stated | None |
| Escheatment Fee | $20 | Not stated | None |
| Account Research (Per Hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail (Monthly, First 90 Days) | $10 | per month | None |
Overdraft & NSF | |||
| Overdraft Automatic Transfer (Per Occurrence) | $10 | per item | None |
ATM & Card | |||
| ATM | $4 | Not stated | None |
| Foreign ATM Withdrawal and Inquiry | $2.50 | Not stated | None |
Wire Transfers | |||
| Outgoing Foreign Wire Transfer | $40 | Not stated | None |
| Incoming Foreign Wire Transfer | $20 | Not stated | None |
Check Services | |||
| Official Check (Each) | $8 | per item | None |
| Money Order (Each) | $6 | per item | None |
| Stop Payment | $36 | Not stated | None |
| Counter Check Production | $5 | Not stated | None |
| Collection Item (Incoming/Outgoing) | $20 | Not stated | None |
| Check Copies (Number Sequence) | $5 | Not stated | None |
| Check Image Copy (Each) | $3 | per item | None |
Digital & Electronic | |||
| Business Bill Pay Monthly Service Charge | $5 | per month | None |
Account Services | |||
| Notary | $5 | Not stated | None |
| Levy/Garnish/Tax | $100 | Not stated | None |
Oct 14, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
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