Personal Banking That Puts You First.
Whether you’re opening your first account, building credit, or preparing for homeownership, our products are designed to support your goals.
At First Independence Bank, personal banking is more than transactions. It’s a relationship designed to grow with you.
Deposit Accounts Designed for You
From fresh starts to premium experiences, we offer options built around how you live and bank.
First Perks Checking
An everyday checking account with no monthly fee, digital banking tools, and built-in local and national savings benefits.
First Perks Plus Checking
An elevated checking account with lifestyle benefits for customers who want more value from their account. $5 monthly fee.
First Platinum Checking
A tiered interest-bearing checking account designed to reward higher balances with earnings and flexible fee waivers.
Liquid Gold Checking
A tiered interest-bearing checking account designed to reward higher balances with earnings and flexible fee waivers.
First Money Market
A tiered interest-bearing account that rewards larger balances while maintaining convenient access to your funds.
First Personal Savings
A traditional interest-bearing savings account designed to help you build and grow your financial foundation.
First Senior Checking
An interest-bearing account tailored for customers 60 and older, offering maximum benefits with direct deposit convenience.
First Minor Checking (14-17 years)
A secure, parent-supported checking account that helps teens build smart money habits with full access to modern banking tools. COMING SOON
First Choice Checking
A fresh start checking account designed for first-time customers or those rebuilding their banking relationship.
Certificate of Deposit
Choose from 1 month to 5 year terms with a competitive interest rate.
Personal Loans & Credit
Access financing designed to support life’s milestones—from vehicles to home equity to credit building.
Good Start CD Loan Program
Mortgage & Home Financing
Whether you’re buying your first home, refinancing, or investing in property, we offer flexible mortgage solutions backed by experienced, local decision-making.
Fixed & Adjustable-Rate Loans
Choose stability with predictable payments or flexibility with adjustable options tailored to your timeline.
Portfolio Loans
Flexible in-house lending solutions for unique financial situations that may not fit traditional guidelines.
Doctor Loans
Specialized mortgage solutions designed for medical professionals beginning or advancing their careers.
Non-Permanent Resident Loans
Apply for a mortgage loan provided with a valid, unexpired visa, approved classifications and evidence of lawful status.
Down Payment Assistance
Programs designed to help qualified buyers reduce upfront costs and move into homeownership with confidence.
Mortgage Loans
Our mortgage options are designed to support first-time buyers, growing families, and experienced property owners with transparent guidance and competitive solutions.
Contact our Mortgage Loan Officer today!
Rob Silverstein
Mortgage Lending
NMLS ID#: 372565
7310 Woodward Ave., Ste 101
Detroit, MI 48202
Direct: (248) 854-1274
Email: rsilverstein@firstindependence.com
Consumer Services
Secure, convenient services designed to make managing your money simple and reliable. Whether you’re banking digitally or visiting a branch, these tools and support options are here when you need them.
ATM Locations & Card Services
Your First Independence ATM/Debit Card gives you more than account access — it gives you freedom to bank nationwide without surcharge fees.
Surcharge-Free ATM Network
- First Independence Bank,
- Fifth Third Bank,
- Huntington National Bank,
- US Bank,
- JPMorgan Chase Bank,
- Bank of America,
- Wells Fargo Bank, and
- Bremer Bank, a division of Old National Bank
Card Support
- ATM/Debit Card Activation: (833) 681-3398
- ATM/Debit Card PIN Change (current PIN required): (833) 681-3398
- Lost or Stolen Card (U.S.): (833) 933-1681
- Lost or Stolen Card (International): (812) 647-9794
- Consumer ATM Cards
- Consumer Debit Cards
Digital & Online Banking
Manage your money anytime, anywhere with secure, intuitive digital tools built for modern banking.
Secure account access anytime, anywhere.
Online Banking
Bank in the palm of your hand.
Mobile Banking
Deposit checks instantly with your phone.
Mobile Deposit Capture
Schedule and pay bills in just a few clicks.
Online Bill Pay
Send money directly to friends and family.
P2P Transfers (formerly Popmoney®)
Move money easily between your accounts.
A2A Transfers (formerly TransferNOW®)
Make fast, secure payments on your loans.
FIB Online Loan Payment
Access statements digitally and reduce paper waste.