Legal Notices

Independent Bank Fee Schedule

Business banking customers can view a PDF of the Schedule of Services and Fees:
(effective January 1, 2016), by clicking here

Personal banking customers can view a PDF of the Schedule of Services and Fees:
(effective October 15, 2015), by clicking here

Mortgage customers can view a PDF of the Schedule of Fees:
(effective March 1, 2015), by clicking here

Adobe Acrobat Reader will be needed to view the Online Banking Agreement. For information about browser requirements or to download the free Adobe Acrobat Reader Software, click here to go the Adobe website. Then follow the instructions for downloading and installing the software for your operating system.


Electric Funds Transfer (EFT) Disclosure

Error resolution notice
In the event of an error or question about your electronic transfers, please write or call us using the contact information below as soon as possible. If you believe your statement or receipt is incorrect or if you would like to request more information about a transfer listed on your statement or receipt, please contact us as soon as possible. We must hear from you no later than 60 days after the FIRST statement on which the problem or error appeared was sent.

  1. Include your name and account number (if any).
  2. Describe the error or transfer you are unsure about and explain as clearly as possible why you believe it is an error or why you would like more information.
  3. Include the dollar amount of the suspected error.

Informing the bank verbally may not be sufficient notification. We may require that you send your complaint or questions in writing within 10 business days (5 business days for Visa Check Card point-of-sale transactions and 20 business days if the transfer involved a new account). It may take up to 45 days (90 days if the transfer involved a new account, point-of-sale transactions, or a foreign-initiated transfer) to investigate your complaint or question. Your account may be credited for the amount in question within 10 business days (5 business days for Visa Check Card point-of-sale transactions and 20 business days if the transaction involved a new account). During the investigation, you will have access to these funds. If you are asked to place your complaint or question in writing and the requested documentation is not received within 10 business days, your account may not be credited. Your account is considered a new account during the first 30 calendar days after the account is established unless each of you already had an existing account with us 30 calendar days before this account was opened.

You will be notified of the results within three business days after completing the investigation. If the results of the investigation show that no error occurred, a written explanation will be sent detailing the final conclusion.

You may request copies of the documentation used in the investigation.

Independent Bank Deposit Services
PO Box 279
Belding, MI 48809

Business days: Monday through Friday, excluding holidays
Phone: 888.300.3193

EFT Agreement and Disclosure

To review the EFT Agreement and Disclosure document, please click here.

Funds Availability Policy Disclosure

To review the Funds Availability Policy Disclosure document, please click here.

Privacy Notice

Read Independent Bank's privacy notice.

Identity Theft Protection

We’re committed to safeguarding your privacy. To learn more about more identity theft protection, visit the Harland Clarke website.

Deposit Account Agreement

To review the Deposit Account Agreement document, please click here.

Online Service E-sign Disclosure

To review the Online Service E-sign Disclosure document, please click here.

Online Banking Agreement

To review the Online Banking Agreement document, please click here.

Balance Your Account Form

To download the Balance Your Account form, please click here.

Substitute Check Policy Form

To download the Substitute Check Policy form, please click here.

Overdraft Privilege Disclosure

To download the Overdraft Privilege Disclosure, please click here.

Extended Coverage Consent Form

To download the Extended Coverage Consent form, please click here.

Deposit Insurance Coverage Information

To learn more about FDIC deposit insurance coverage, see the Electronic Deposit Insurance Estimator (EDIE) on the FDIC website.

To download comprehensive information about FDIC deposit insurance coverage, see the FDIC website: Your Insured Deposits.