Bank Independent Any new personal or business checking bonus: is $200 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
Yearly rate on $25 while it's there, bonus included.
The math
Compared with leaving $25 at 4.15%
Get — in direct deposits (2+ deposits) within 60 days · Keep $25 there until day 60. Verified on the bank's page Oct 10, 2026.
About this bonus
What it takes
- 1Get — in direct deposits (2+ deposits) within 60 days
- 2Keep $25 there until day 60
- Ends
- No end date listed
- Where
- Alabama
- Monthly fee
- None
- Keep it open
- At least 60 days, or the bonus can be taken back
- Cash stays
- About 60 days
- Bonus paid
- Usually within 60 days of finishing
- Credit check
- A ChexSystems inquiry (not your credit score)
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the Bank Independent Any new personal or business checking bonus worth it?
At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $25 tier adds +$200: the $200 bonus, minus the $0 that cash would have earned in 60 days. At a different rate the answer changes; the calculator on this page works it out for yours.
What are the requirements?
Get — in direct deposits (2+ deposits) within 60 days; keep $25 there until day 60. Open to residents of Alabama.
When does it end?
No end date is listed. The terms were last checked Oct 10, 2026.