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Cheryl Ratynski

Cheryl Ratynski

VP, Community Banker | Auburn | Bay City - Euclid | Bay City - Washington Ave. | Essexville | Mt. Pleasant | Mt. Pleasant CMU - Bovee University Center | Pinconning | Standish

Phone Number

Office: 989.891.4021


1004 W. Midland Road Auburn, MI 48611
745 N. Euclid Ave. Bay City, MI 48706
623 Washington Ave. Bay City, MI 48708
1615 W. Center Ave. Essexville, MI 48732
319 E. Broadway Mt. Pleasant, MI 48858
103 E. Preston St. Mt. Pleasant, MI 48859
408 Mable St. Pinconning, MI 48650
209 S. Main St. Standish, MI 48658





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Mortgage Do's & Don'ts

We know that the mortgage process can seem overwhelming, but at Independent Bank, it’s our goal to make this process as seamless as possible.

ACH Autopay Form

Automatic Transfer Request For Loans

Checkbook Register Worksheet

Download Checkbook Register Worksheet

Graduation Checklist

A checklist for college-bound graduates, plus financial tips

Identity Theft Affidavit

A voluntary form for filing a report with law enforcement, and disputes with credit reporting agencies and creditors about identity theft-related problems. Visit identitytheft.gov to use a secure online version that you can print for your records.

All Resources