Hot Fun. Summer in the City. The temperatures are rising, along with the cost of gas and groceries. What better time to get control of your financial life. Start with Ready to Choose - our suite of financial solutions for your personal banking needs. You choose your account features…from a look at your credit report or waived ATM fees to a free financial consultation. Plus free ID theft resolution for every First Independent client. So grab a tall, cool soda and get started.