Independent Bank $350 Checking Account Bonus (2026) - Review & Requirements
What Counts as Direct Deposit
Based on community data points and bank terms. Employer payroll is always the safest method. "Mixed" means some users report success but it is not guaranteed.
Overview
Independent Bank offers a $350 checking bonus for a $500 direct deposit within 90 days. The ONE Account has no monthly fee. Michigan only. Expires March 31, 2027.
Who This Checking Bonus Is Best For
Michigan residents looking for an easy $350 bonus with a low DD requirement and long expiration.
How to Maximize This Bonus
Open a ONE Account and make a single $500+ direct deposit within 90 days. One of the simplest requirements for a $350 bonus.
Pros
Cons
How This Compares to Other Bonuses
A strong Michigan-only option. The $500 DD for $350 is excellent value. The March 2027 expiration gives plenty of time.
Frequently Asked Questions
Which states have Independent Bank?
Michigan only.
Full Requirements
Open ONE Account with $500 DD within 90 days. Expires March 31, 2027.
Fees
No monthly fee on ONE Account.
ChexSystems & Credit Pull
Low ChexSystems sensitivity.
Eligibility
Michigan residents only. New checking customers only. Expires March 31, 2027.
Apply
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.