You can open an account online, visit your local office or schedule an appointment with a Dollar Bank representative. A minimum opening deposit of $25 is required.

In-Branch: To open an account at a Dollar Bank office, you’ll need to provide your name, address, date of birth, Social Security number or taxpayer identification number, and a valid non-expired government-issued ID. You’ll also need an opening deposit using either cash or a check. 

Online: If you open online, you’ll also need to provide your name, address, date of birth, Social Security number or taxpayer identification number, and a valid non-expired government-issued ID. You’ll fund the account during the application process, which you can do by using a debit card, the routing and account number from another bank account, or by securely transferring funds via ACH using your online banking login information from another financial institution. 

Anyone in Dollar Bank’s market areas between the ages of 18 and 24 can qualify for an Independence Checking Account.

There is no monthly service fee.

Allpoint 

Dollar Bank is part of the Allpoint^® ATM Network, which provides free access at more than 55,000 ATMs worldwide for Independence Checking customers. 

Use Allpoint ATMs at many convenient locations that you visit daily like Target^®, Walgreens^® and CVS^®. Because Allpoint is a worldwide network, you’ll find Allpoint ATMs near school, work and at your favorite vacation spots too. No sign up is required. Simply use your current Dollar Bank Mastercard^® Debit Card or ATM Card to get cash at any Allpoint ATM. 

Just look for the Allpoint logo on the ATM machine or visit our locations page for a list of convenient Allpoint ATMs. 

Freedom 

Freedom ATM Alliance^® is a free ATM network for Independence Checking customers, offering more than 600 ATMs! Visit our locations page to find your nearest ATM.

Using the My Cards section in the mobile app, you can add your debit card to Apple Pay, Samsung Pay and Google Pay. There will be steps to confirm your identity. Once you have completed the steps, your card will be available in your mobile wallet.

Early Pay may allow eligible customers with direct deposit to receive funds before their scheduled payday when payment information is received early by Dollar Bank. Early availability is not guaranteed.

Dollar Bank offers several ways to avoid overdraft fees:

1. No non-sufficient funds fees: When you don't have enough funds in your account to cover a transaction and we don't pay the item on your behalf, no fee is charged.
2. Overdraft protection: Money from your savings can be automatically transferred to your checking account to cover transactions that would otherwise overdraft your checking account.
3. No overdraft fees on items under $5.00.

For more details, see the Account Information Schedule.

Dollar Bank customers are encouraged to use Zelle through Online Banking. If you wish to use other options such as Cash App, Paypal and Venmo, visit P2P Payments for instructions on how to connect your debit card to these peer-to-peer payment services.

Yes, check writing is available on an Independence Checking Account. Plus, you'll get 50% off of the cost of your checks when you order through our check partner, Deluxe^®.

Yes. A Start Smart Savings Account can be opened on its own. However, pairing it with a Independence Checking Account makes it easier to manage your money, transfer funds between accounts, build savings automatically and take advantage of all the benefits of Start Smart Banking.

Before turning 25, Dollar Bank will mail you a letter with details about your account transition. Your Independence Checking Account will automatically convert to a qualifying checking account based on the activity on your Independence Checking Account.