XA Mobile

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

Independent Plus Checking

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

Min Deposit: $25.00

Independent Plus Checking – Student

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

Min Deposit: $25.00

Independent Plus Checking – Senior

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

Min Deposit: $25.00

Independent Interest Checking

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

Max APY: 0.05% Min Deposit: $100.00

Independent Checking

Are you looking for a simple, everyday checking account? Our Independent 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. Our Value Account 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

Student Savings

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

Independent Money Market

Bank Independent's Independent Money Market account lets you earn great rates on FDIC-insured funds.†

Max 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: 3.75% Min Deposit: $1,000.00

3 Month 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: 3.04% Min Deposit: $1,000.00

6 Month 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: 3.54% 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: 3.01% Min Deposit: $1,000.00

18 Month 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: 3.02% 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: 2.51% 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: 2.01% 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: 2.01% 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: 2.01% 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. The interest rate may change at any time after account has been opened.†**

Max APY: 0.05% Min Deposit: $1.00

APY (Annual Percentage Yield)

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Funding

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Total Deposit

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Credit Card (max $500.00)

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

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

Optional: Click or tap the card below to pre-fill information with your driver's license.

Personal Information

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

No

Do you have another applicant?

Yes

No

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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

Done

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

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.

Tell Us About Yourself

Minor Information

Suffix (Jr., Sr., etc.)

Gender

Date of Birth

Mother's Maiden Name

Citizenship Status

Contact Information

Current Physical Address

Country

Address

Zip

City

State

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration 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?*

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About Your Joint Applicant

Optional: Click or tap the card below to pre-fill information with your driver's license.

Personal Information

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

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?*

Continue Or Go Back

Tell us about your beneficiaries

Add an additional beneficiary

Are you sure you want to remove this beneficiary?

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

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Tell us about your beneficiary percent shares

Other Products

Total beneficiary percent share: 0.00%

Please indicate the percentage of the payout each beneficiary will receive:

Total

0.00%

Distribute Evenly

Press this button if you want to assign an equal value to all beneficiaries.

In some cases, 100 cannot be divided evenly by the number of beneficiaries When this occurs, the amount of the first beneficiary will be increased to make the total equal 100%.

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Review and Submit

Product Selections

Additional Application Information

Applicant Information

Contact Information

Identification Information

Secondary Identification Information

Address

Employment Information

Previous Employment Information

Joint Applicant Information

Joint Applicant Contact Information

Joint Applicant Identification

Joint Applicant Secondary Identification

Joint Applicant Address

Joint Applicant Employment Information

Beneficiary Information

Funding Source

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By checking this box, you agree to the Bank Independent Text Message Terms and Conditions.*

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Read, Sign and Submit

Clicking the "I agree" checkbox represents your agreement to electronically sign and submit this application, your agreement to the terms set forth in the application, and your certification that you have provided valid information on the application. By clicking “I agree,” you also authorize Bank Independent to obtain a debit bureau report on you and any joint applicants for the purposes of opening the above-listed account(s). For Business Accounts: By clicking “I agree,” you represent and warrant that you are an officer of the business and are authorized to sign and enter into agreements on behalf of the applicant business.

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I have read, understood, and agree to Bank Independent Electronic Communications Disclosure and Consent.

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The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.

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Authentication Questions

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Product Funding Limit Exceeded

The total amount to be deposited for a product type cannot exceed the limit defined in the following table. Please adjust the deposit amount for your requested products so they do not exceed the limit.

Product Type	Maximum Deposit	Your Requested Deposit
Checking
Savings
Certificate

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