Unlike most savings accounts, the First Independence Bank Personal Savings Account includes an ATM card so you can access your savings quickly if necessary. But it pays a low interest rate and only compounds interest quarterly.

First Independence Bank Perks Checking Account is a strong checking account overall, with free overdraft protection and no monthly service fee. First Independence also partners with BaZing. Download the BaZing app and receive discounts on fuel at participating Shell stations and savings at certain retailers depending on where you live. First Independence has a variety of checking accounts to choose from, including one for people who wouldn't normally qualify for an account and one for people age 60 or over.

First Independence Bank CDs pay about the same as the average account. However, you can still earn the best CD rates at an online bank.