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.
Independence Checking
A checking account built for independence, flexibility and wherever you're headed next!
Special perks include:
Send Money with Zelle®
Send money to people you know and trust within Dollar Bank's Online Banking and mobile app.*
Early Pay
Get paid up to two days early**
55,000 free ATMs
As part of the Allpoint® ATM Network, get access to free ATMs at convenient locations like Target®, Walgreens® and CVS®.*** We'll also reimburse up to $10 per month for surcharge fees charged at other ATMs.
More than just a debit card
Free custom debit card and the ability to make everyday purchases with a digitally issued card as well.
No monthly service fees
With no minimum balance requirements.
For a Limited Time
Get $200 just for using your debit card when you open a new Independence Checking Account before October 31.†
To qualify for the $200 offer, use promo code YTH26 online or mention it when opening your account in a Dollar Bank office.
With Dollar Bank’s mobile app, you can manage your money anytime and anywhere.
- View up-to-date activity and balances
- Manage your expenses and pay bills using our free Online Bill Pay
- Get spend insights to learn what, when and where money is going to better understand spending habits
- Set up automatic savings to help plan for the future
- Deposit checks using Mobile Deposit
Take control of your money with a Dollar Bank Mastercard® Debit Card
- Get a free custom debit card
- Add your debit card to your digital wallet
- Protect your account with fraud text alerts
- Turn a lost debit card off and turn it back on if it's found
Enjoy extra savings!
- Don’t forget to add a Start Smart Savings Account with your Independence Checking Account and begin to earn a great rate! With both a checking and savings account, you’re one step closer to smarter spending, stronger saving and financial confidence.
- Earn a great rate on a Relationship CD!
- 1/4% rate loan discount offer: When you apply for a Dollar Bank consumer fixed rate loan or line of credit, we’ll take 1/4% off of your rate when you have an Independence Checking Account.****
- Get 1.25% cash back on purchases with a Rewards Credit Card. Get a great intro rate and earn cash every time and everywhere you use your card.*****
FAQs
How can overdraft fees be avoided?
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.
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.
How can you connect your debit card to Venmo or Cash App?
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.
Is check writing allowed on Independence Checking?
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®.
What happens when I turn 25 years old?
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.
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We're here to help 1-800-242-2265
Dollar Bank representatives are available Monday - Friday from 8:00 AM - 8:00 PM and Saturday from 9:00 AM - 3:00 PM.
Email us: customerservice@dollarbank.com
*Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Terms and conditions apply. To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes. Select transactions could take up to 3 days.
**Early Pay is available for retail account customers in good standing who set up direct deposit with their employer or other payer to receive electronic deposits of regular periodic payments (such as salary, pension or government benefits). The timing of when a transaction is credited is based upon when the payer submits the payment instructions to Dollar Bank. Early Pay is not a guarantee that you will receive your direct deposit earlier than your scheduled pay date and Early Pay may be delayed due to unanticipated circumstances.
***Surcharges from other banks not in the Allpoint or Freedom Alliance networks may apply when using your debit Mastercard® or ATM card.
****The Loan Discount is not available for the refinance of an existing Dollar Bank Consumer loan, line, or mortgage unless the refinance includes $15,000 or more of new money available or advanced. The Loan Discount does not apply to Dollar Bank Residential Lending Department loan applications.
*****Rebates are calculated as 1.25% of net monthly purchases (total purchases less credit and returns), which will be displayed on Periodic Billing Statements as "Cash Back Rebate."
†$25 minimum to open. 0.00% Annual Percentage Yield. Fees may reduce earnings. Rate(s) may change after account opening. All rates are accurate as of 9/1/26 and are subject to change without notice. For more information, see the Account Information Schedule. Account opening is subject to approval and accounts are available only to consumers residing in Dollar Bank’s markets. To qualify for the offer, account must be opened by 10/31/26 and offer must be presented at account opening. Offer for new customers between the ages of 18 and 24 at the time of account opening. Those who had an open checking account within the past 180 days are not considered to be new customers and are not eligible for the offer. $200 is available in one $200 credit. To receive the $200 credit, the account must have cumulative Point-of-Sale purchases using the debit Mastercard® that total $300 or more which post and clear the account within 90 days of account opening and the account must be in good standing. Qualifying debit card purchases are made at point of sale using your signature or PIN, or electronically or online using your debit card number, including recurring payments. The $200 credit will be added to the new checking account within 40 days of the qualifying point-of-sale purchases. Maximum amount is $200 per account and one per household. Subject to 1099 tax reporting. Promo Code: YTH26
CVS is a registered trademark of CVS Pharmacy, Inc. Target is a registered trademark of Target Brands, Inc. Walgreens is a registered trademark of Walgreen Co.
Apple Pay® is a registered trademark of Apple, Inc.
Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.
Google Pay™ is a registered trademark of Google, LLC.
Cash App is a registered trademark of Block, Inc.
Venmo is a registered trademark of PayPal, Inc.
Allpoint is a registered trademark of ATM National, LLC.
Mastercard is a registered trademark of Mastercard International Incorporated.
Deluxe is a registered trademark of Deluxe Corporation.