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.
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FIRST
Perks + Checking
An elevated checking account with lifestyle benefits for customers who want more value from their account. $5 monthly fee.
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FIRST
Platinum Checking
A tiered interest-bearing checking account designed to reward higher balances with earnings and flexible fee waivers.
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FIRST
Liquid Gold Checking
A tiered interest-bearing checking account designed to reward higher balances with earnings and flexible fee waivers.
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FIRST
Money Market
A tiered interest-bearing account that rewards larger balances while maintaining convenient access to your funds.
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FIRST
Personal Savings
A traditional interest-bearing savings account designed to help you build and grow your financial foundation.
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FIRST
Senior Checking
An interest-bearing account tailored for customers 60 and older, offering maximum benefits with direct deposit convenience.
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FIRST
Minor Checking
14-17 Years
A parent-supported checking account that helps teens build smart money habits with full access to modern banking tools.
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FIRST
Choice Checking
A fresh-start checking account designed for first-time customers or those rebuilding their banking relationship.
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FIRST
Certificate of Deposit
Choose from 1 month to 5 year terms with a competitive interest rate.
ApplyPersonal Loans & Credit
Access financing designed to support life’s milestones—from vehicles to home equity to credit building.
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.
Down Payment Assistance may be available!
Contact a Mortgage Loan Officer today!
| 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. |
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.
Digital &
Online Banking
Manage your money anytime, anywhere with secure, intuitive digital tools built for modern banking.
| Online Banking | Secure account access anytime, anywhere. |
| Mobile Banking | Bank in the palm of your hand. |
| Mobile Deposit Capture | Deposit checks instantly with your phone. |
| Online Bill Pay | Schedule and pay bills in just a few clicks. |
| P2P Transfers | Send money directly to friends and family. |
| A2A Transfers | Move money easily between your accounts. |
| FIB Online Loan Payment | Make fast, secure payments on your loans. |
| Go Green With E-Statements | Access statements digitally and reduce paper waste. |
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 | Card Support |
|---|---|
| First Independence Bank | ATM/Debit Card Activation (833) 681-3398 |
| Fifth Third Bank | ATM/Debit Card PIN Change (833) 681-3395 |
| Huntington National Bank | Lost or Stolen Card — United States (833) 933-1681 |
| US Bank | Lost or Stolen Card — International (812) 647-9794 |
| JPMorgan Chase Bank | Consumer ATM & Debit Cards |
| Bank of America | |
| Wells Fargo Bank | |
| Bremer Bank |