Give a referral. Get a gift!

When you refer us to a friend and your friend opens a checking account or applies for a direct personal loan*, you'll receive a $10 gift card as our way of saying 'thank you!' Just select the links below to download a referral coupon.

Enjoy a winter recipe and refer a friend to us:
Melting snowmen OREO® cookie balls recipe

With three customizable personal checking account types to choose from, Independent Bank is sure to have a checking account for you, including a free checking account option. To find the account that’s best for you, visit the Personal Checking page on this site.

Independent Bank has offices conveniently located throughout Michigan. To find a location near you, select a city from the pull-down menu below.


Visit your local Independent Bank office to discuss which checking account is best for you. In addition to our checking account options, we offer a variety of savings options to meet your needs.

*When you refer us to a friend and they open a checking account, you’ll receive a $10 gift card of your choice. Bank rules apply. Form 1099-MISC may be applicable for incentives totaling $600 per year. Limited time offer, ask for details.

*Non-real estate secured loans.