Bay City - downtown

623 Washington Ave.
Bay City, MI 48708


Independent Bank is a Michigan bank that has served our customers and communities for over 150 years. As a full-service bank, we can assist with every aspect of banking, from opening a checking account, to buying a home, to planning for retirement.

The Bay City Downtown branch is located on the corner of Washington Avenue, between 6th Street and 7th Street, next to My Secret Garden.

Cheryl Ratynski

Branch Manager
Cheryl Ratynski



Monday - Thursday  9:00 am - 4:30 pm
Friday  9:00 am - 5:00 pm


Monday - Thursday  8:30 am - 5:00 pm
Friday  8:30 am - 6:00 pm


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Call Call 800.355.0641

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