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Joint Applicant Question

Will you be adding a joint applicant?

Yes

Welcome to Independent Financial account opening.
Requirements to open an account:

Be a legal U.S. resident

Reside in the State of Colorado or Texas

Be at least 18 years old

Have a Social Security number

Have a valid Government Issued ID

I Meet The Criteria

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Legal

Independent Financial-3.23.3.30

Apache
Licensed under the Apache License, Version 2.0 (the "License"); you may not use this file except in compliance with the License. You may obtain a copy of the License at http://www.apache.org/licenses/LICENSE-2.0
This product includes software developed by the Apache Software Foundation (http://www.apache.org).

Cordova
Licensed under the Apache License, Version 2.0 (the "License"); you may not use this file except in compliance with the License. You may obtain a copy of the License a http://www.apache.org/licenses/LICENSE-2.0.
This product includes software developed by the Apache Software Foundation (http://www.apache.org).

Card.IO iOS
The MIT License
Copyright (c) 2013-2014 eBay Software Foundation
Permission is hereby granted, free of charge, to any person obtaining a copy of this software and associated documentation files (the "Software"), to deal in the Software without restriction, including without limitation the rights to use, copy, modify, merge, publish, distribute, sublicense, and/or sell copies of the Software, and to permit persons to whom the Software is furnished to do so, subject to the following conditions:
The above copyright notice and this permission notice shall be included in all copies or substantial portions of the Software.
THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE.

Card.IO Android
All interfaces are released under the MIT License:
The MIT License (MIT)
Copyright (c) 2013-2014 PayPal
Permission is hereby granted, free of charge, to any person obtaining a copy of this software and associated documentation files (the "Software"), to deal in the Software without restriction, including without limitation the rights to use, copy, modify, merge, publish, distribute, sublicense, and/or sell copies of the Software, and to permit persons to whom the Software is furnished to do so, subject to the following conditions:
The above copyright notice and this permission notice shall be included in all copies or substantial portions of the Software.
THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE.

jQuery UI
Copyright 2007, 2014 jQuery Foundation and other contributors, https://jquery.org/
This software consists of voluntary contributions made by many individuals. For exact contribution history, see the revision history available at https://github.com/jquery/jquery-ui

jQuery Mobile-DateBox
jQuery Mobile Framework : plugin to provide a date and time picker.
Copyright (c) JTSage CC 3.0 Attribution. May be relicensed without permission/notifcation.
https://github.com/jtsage/jquery-mobile-datebox

All files located in the node_modules and external directories are externally maintained libraries used by this software which have their own licenses; we recommend you read them, as their terms may differ from the terms above.

jQuery Mobile
Copyright 2010, 2014 jQuery Foundation and other contributors, https://jquery.org/
This software consists of voluntary contributions made by many individuals. For exact contribution history, see the revision history available at https://github.com/jquery/jquery-mobile
The following license applies to all parts of this software except as documented below:
====
Permission is hereby granted, free of charge, to any person obtaining a copy of this software and associated documentation files (the Software), to deal in the Software without restriction, including without limitation the rights to use, copy, modify, merge, publish, distribute, sublicense, and/or sell copies of the Software, and to permit persons to whom the Software is furnished to do so, subject to the following conditions:
The above copyright notice and this permission notice shall be included in all copies or substantial portions of the Software.
THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE.
====
Copyright and related rights for sample code are waived via CC0. Sample code is defined as all source code contained within the demos directory. CC0: http://creativecommons.org/publicdomain/zero/1.0/
====
All files located in the node_modules and external directories are externally maintained libraries used by this software which have their own licenses; we recommend you read them, as their terms may differ from the terms above.

jQuery
Copyright 2005, 2014 jQuery Foundation and other contributors, https://jquery.org/
This software consists of voluntary contributions made by many individuals. For exact contribution history, see the revision history available at https://github.com/jquery/jquery

The following license applies to all parts of this software except as documented below:
====
Permission is hereby granted, free of charge, to any person obtaining a copy of this software and associated documentation files (the Software), to deal in the Software without restriction, including without limitation the rights to use, copy, modify, merge, publish, distribute, sublicense, and/or sell copies of the Software, and to permit persons to whom the Software is furnished to do so, subject to the following conditions:
The above copyright notice and this permission notice shall be included in all copies or substantial portions of the Software.
THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE.
====
All files located in the node_modules and external directories are externally maintained libraries used by this software which have their own licenses; we recommend you read them, as their terms may differ from the terms above.

Spring
This product includes software developed by the Spring Framework Project (https://www.spring.io/).

SlideBars licensed under MIT license © 2013-2017 Adam Smith https://www.adchsm.com/slidebars/
====

load-image.all.min.js
Copyright 2011, Sebastian Tschan
MIT LICENSE
THE SOFTWARE IS PROVIDED 'AS IS', WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE.
====

Secure Hash Algorithm
Web Toolkit: http://www.webtoolkit.info/license1/index.html

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Add Additional Accounts

Confirm the account(s) you are applying for by selecting "Next".

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Add Additional Accounts

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I understand how you use my information.

I consent to receive the new account disclosures electronically.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT - To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

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Take a picture of the FRONT of your ID

For best results, we highly recommend taking the picture of the back of your Drivers License as shown in the picture below, making sure to focus the image on the barcode; in addition, make sure to take the photo in a well-lit environment.

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Take a picture of the BACK of your ID

Complete Application

Welcome

As an existing member, you can open a new account online in just a few minutes.

Please enter the following information:
Mobile Phone

Social Security Number

Not a member of Independent Financial? Click here to join!

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Select State

Your ID doesn't look like it's from the state you're in.

Select the State or Province for your ID

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Verify Identity

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Verify Identity

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Validate Phone

A text message was sent to your phone. Enter the code provided below.

Validation Code

The code expires in

Resend Validation Code

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Membership

You've indicated you're eligible for membership. Tell us in what way you're eligible to apply.

United Way

None of these apply to me

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1/6 Personal Info

My Personal Information

Show Middle Name

First Name ^*

Middle Name

Last Name ^*

I want to open a joint account

Show Second Address Line

Home Address ^*

Second Address

City ^*

State ^*

5-Digit Zip Code ^*

My Mailing Address is different

My Mailing Address

Show Second Address Line

Address

Second Address

City

State

5-Digit Zip Code

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1/6 Personal Info

My Personal Information

Show Middle Name

First Name ^*

Middle Name

Last Name ^*

Social Security Number ^*

	-		-

Birth Date ^*

Delete

Mother’s Maiden Name or Password

Show Second Address Line

Home Address ^*

Second Address

City ^*

State ^*

5-Digit Zip Code ^*

My Mailing Address is different

My Mailing Address

Show Second Address Line

Address

Second Address

City

State

5-Digit Zip Code

Occupancy Status

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Contact Info (Joint)

Joint Details

Second Applicant

Show Middle Name

First Name ^*

Middle Name

Last Name ^*

Email ^*

Mobile Phone ^*

Use same as primary

Show Second Address Line

Home Address ^*

Second Address

City ^*

State ^*

5-Digit Zip Code ^*

My Mailing Address is different

My Mailing Address

Use same as primary

Show Second Address Line

Address

Second Address

City

State

5-Digit Zip Code

Back

Contact Info (Joint)

Joint Details

Second Applicant

Show Middle Name

First Name ^*

Middle Name

Last Name ^*

Email ^*

Mobile Phone ^*

Social Security Number ^*

	-		-

Birth Date ^*

Delete

Mother’s Maiden Name or Password

Use same as primary

Show Second Address Line

Home Address ^*

Second Address

City ^*

State ^*

5-Digit Zip Code ^*

Back

1/6 Personal Info

Social Security Number ^*

	-		-

Birth Date ^*

Delete

Mother’s Maiden Name or Password

ID Number

Back

Social Security Number ^*

	-		-

Birth Date ^*

Delete

Mother’s Maiden Name or Password

ID Number

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1/6 Personal Info

Employment Status

How long in current job?

year

month

Per Year

Gross Monthly Income

Current Employer's Name (Previous Employer if Retired or Unemployed)

Employer's Phone Number

Job Title

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Employment Status

How long in current job?

year

month

Per Year

Gross Monthly Income

Current Employer's Name (Previous Employer if Retired or Unemployed)

Employer's Phone Number

Job Title

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4/6 Account Documents

Please confirm you have received and reviewed the emailed documents by entering the six-digit validation code in the box below.

This code is located in the first sentence of the email titled “Validation Code and Important Documents.”

The documents have been emailed to you again, please let us know that you have received them by entering the code you received in the box below.

Validation Code

Resend documents

I have received, reviewed and agree to the Terms and Conditions of the Account Disclosures.

Optional: I reviewed the disclosure and I want Independent Financial to authorize and pay

What You Need to Know about Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough available balance in your account to cover a transaction, but we pay it anyway. (For more information about overdrafts and available balance, see the overdraft section of your account Terms and Conditions.) We can cover your overdrafts in two different ways:
1. We offer an Overdraft Sweep plan, such as a link to a savings or checking account, which may be less expensive than our Overdraft Privilege plans. To learn more, ask us about these plans.
2. We have Standard Overdraft Privilege that comes with your account or Extended Overdraft Privilege which requires you to Opt-In to have additional overdraft coverage for ATM and everyday debit card transactions.

Overdraft Sweeps

Overdraft Sweeps are an alternative and less expensive option to our Overdraft Privilege plans by linking your Independent Financial savings or checking account. It applies to all transactions and may help prevent return items by automatically transferring funds to your checking account. Please contact us to learn more about Overdraft Sweeps.

Overdraft Privilege

Our Standard Overdraft Privilege does not require you to opt-in and comes with your account. Standard Overdraft Privilege authorizes and pays overdrafts for the following types of transactions:
•Checks and other transactions made using your checking account number
•Automatic bill payments and other ACH transactions
•Recurring debit card transations

Our Extended Overdraft Privilege which requires you to opt-in authorizes and pays overdrafts for the following types of transactions:
•ATM withdrawal or transfer transactions
•Everyday debit card payment transactions

If your account has been opened for 30 days and is in “good standing,” we may approve your overdraft items within your current available Overdraft Privilege limit as a courtesy. We do not guarantee we will always authorize and pay any type of transactions. If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if Independent Financial pays my overdraft?
•We will charge you a fee of $35 for each overdraft item we pay.
•We will not charge you a fee for more than 5 items per day ($175 per day)
•The bank will not charge a fee for items that overdraw your account by $10 or less.

What if I want Independent Financial to authorize and pay overdrafts on my ATM and everyday debit card transactions?
If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, choose the opt-in option.

Enroll in Online Banking

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To begin, create your own User Name and Password.

User Name

Password

Re-enter Password

User Name / Password rules

Online Banking Apps

Click to go to online banking

Security

For your security, please identify the correct answers to the following questions about your financial history.

Question of

5/6 Fund Account

Next, let's make your opening deposit to fund your new account.

Amount of your opening deposit

Please allow two business days for funds to be available in your new account.

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Bank Transfer

Bank Routing Number

Bank Routing Number (enter it again to verify)

Bank Account Number

Bank Account Number (Enter it again to verify)

Transfer Account Type

Checking

Savings

Amount:

By selecting One Time Authorization, I authorize an ACH debit to my checking or savings account, for the amount noted in this web form, to fund my new bank account(s). I understand that because this is an electronic transaction, these funds may be withdrawn from my account as soon as today.

One Time Authorization

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Debit Card Number

Expiration

CVV

Amount:

By selecting the submit button, I authorize a charge to my debit card, for the amount noted in this web form, to fund my new account(s) and I understand a cash advance fee might be charged by the financial institution that issued my card.

Submit

Signature

Please create your signature below.

Clear

NEW ACCOUNT STATUS!

You are Done! Click the link below to start managing your accounts.

Click to go to Online Banking

6/6 New Account Status

NEW ACCOUNT STATUS!

Thanks For Applying

Your application is currently being reviewed.

We will notify you once your application review has been completed.

PageN - Placeholder to test navigation

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Form flow

Verify Identity

As an existing applicant, simply answer the question below to pick up where you left off.

Enter Your Mother’s Maiden Name or Password

What's your Social Security Number?

Invalid Answer. Please check the information and try again.

Document Verification - Joint Applicant

Application Status

Applicant Information

Application Status

Your application is currently being processed

For more information call (800) 555-1212 ext. 243

© 2025 Independent Financial. All Rights Reserved. Independent Financial is a trademark of SouthState Bank, N.A. (“SouthState”). Independent Bank, doing business as Independent Financial, is a division of SouthState, a wholly owned subsidiary of SouthState Corporation.
Member FDIC. Questions? Contact us at 800.460.6634. Legal

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Joint Applicant Question

Legal

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Welcome

Select State

Verify Identity

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Membership

1/6 Personal Info

My Personal Information

My Mailing Address

1/6 Personal Info

My Personal Information

My Mailing Address

Contact Info (Joint)

Joint Details

Second Applicant

My Mailing Address

Contact Info (Joint)

Joint Details

Second Applicant

Account Disclosures

1/6 Personal Info

1/6 Personal Info

4/6 Account Documents

Account Disclosures

What You Need to Know about Overdrafts and Overdraft Fees

Overdraft Sweeps

Overdraft Privilege

Account Disclosures

Enroll in Online Banking

Online Banking Apps

Security

For your security, please identify the correct answers to the following questions about your financial history.

5/6 Fund Account

Next, let's make your opening deposit to fund your new account.

Bank Transfer

Debit Card Number

Signature

Online Banking Apps

NEW ACCOUNT STATUS!

6/6 New Account Status

NEW ACCOUNT STATUS!

Thanks For Applying

Verify Identity

Document Verification - Primary Applicant

Document Verification - Joint Applicant

Application Status

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