Independent Bank Fee Schedule
Business banking customers can view a PDF of the Schedule of Services and fees (effective February 15, 2010), by clicking here.
Personal banking customers can view a PDF of the Schedule of Services and fees (effective February 15, 2010), 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 Web site. Then follow the instructions for downloading and installing the software for your operating system.
Electronic Funds Transfer 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, a 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
Privacy Notice
Independent Bank Corporation is proactive about protecting its customers from unnecessary risks. Independent Bank Corporation has a fraud detection system in place to monitor ATM/Debit card transactions and watch for fraudulent activity. Please assist us in this effort by carefully reviewing your statements and contacting us as soon as possible if you find any suspicious or unauthorized transactions.
Identity Theft Protection
We’re committed to safeguarding your privacy. To learn more about more identity theft protection, visit Deluxe Identity Guard® .
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.
Go Green challenge
We are pleased to announce our “Go Green” challenge to save our planet and conserve its natural resources.
Join us and take the “Go Green” challenge by signing up for e-statements! With e-statements, you protect yourself from identity theft and eliminate clutter in your home or office. Plus, statements and check images are available online for the rolling 12-month period at no charge. Signing up for e-statements is quick and easy. Just log in to your online banking account at IndependentBank.com. If you need further assistance, please contact Customer Care at 800.355.0641.
Do you have a personal account and receive check images?
Printing less is one way to reduce our carbon footprint. Beginning April 1, 2010, check images will no longer be included with your paper statement. If you’re not ready to make the switch and wish to continue receiving check images with your paper statement, contact Customer Care at 800.355.0641 or visit your local banking office. Please note there will be a $2 per month fee to receive check images with your paper statement.
Do you have a business account and receive check images?
Help us reduce our carbon footprint and take the challenge by switching to check safe-keeping. Check images would no longer be included with your statement; instead, we’ll conveniently store seven years of check images for you. Sign up by contacting Customer Care at 800.355.0641 or visit your local banking office.
Please note if you do not change your account by April 1, 2010, to check safe-keeping and continue to receive check images, a per-month charge of $5 will be assessed to your account.
Deposit Insurance Coverage Information
Independent Bank participates with the FDIC in the Transaction Account Guarantee Program (TAGP) which provides unlimited deposit insurance coverage until June 30, 2010, for funds held in non-interest-bearing and certain interest-bearing transaction accounts. This is in addition to the current $250,000 coverage for interest-bearing accounts. As funds are transferred or automatically swept to an interest-bearing account, the coverage may change from unlimited to $250,000. Please contact your local banking office for additional details.
To learn more about FDIC deposit insurance coverage, see the Electronic Deposit Insurance Estimator (EDIE) on the FDIC Web site.
To download comprehensive information about FDIC deposit insurance coverage, see the FDIC Web site: Your Insured Deposits.
