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You are now leaving the Independent Bank website.
Linked web pages are not under the control of Independent Bank, its affiliates or subsidiaries. Be aware the privacy policy of the site to which you are going may differ from that of Independent Bank. Independent Bank provides external links as a convenience and is not responsible for the content, accessibility, or security of any linked web page.
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A: 3025 Boardwalk Drive Suite 260 Ann Arbor MI 48108
P: 734-545-7124
A: 1004 W. Midland Road Auburn, MI 48611
P: 989.662.4403
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
Saturday CLOSED
A: 655 N. Port Crescent Bad Axe, MI 48413
P: 989.269.6471
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 6:00 pm
Saturday 9:00 am - 12:00 pm
A: 745 N. Euclid Ave. Bay City, MI 48706
P: 989.684.6021
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Sunday - closed
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 12:00 pm
Sunday - closed
A: 623 Washington Ave. Bay City, MI 48708
P: 989.892.3511
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
A: 130 S. Bridge St. Belding, MI 48809
P: 616.794.0600
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday CLOSED
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 111 E. Capital Ave. Bellevue, MI 49021
P: 269.763.9424
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 32800 Southfield Road Beverly Hills, MI 48025
P: 248.647.5900
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 404 Perry Ave., Suite A Big Rapids, MI 49307
P: 231.796.5865
Monday - Thursday 9:00 am - 4:00 pm
Friday 9:00 am - 5:00 pm
Saturday - closed
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 8700 N. Second St, Brighton, MI 48116
P: 810.819.8005
Monday - Friday 9:00 am - 5:00 pm
Saturday CLOSED
Monday - Friday 9:00 am - 5:00 pm
Saturday CLOSED
A: 201 N. Mitchell St., Suite 104 Cadillac, MI 49601
P: 231.942.7156
Monday - Friday 9:00 am - 5:30 pm
A: 1111 W. Caro Road Caro, MI 48723
P: 989.673.5656
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
Saturday 9:00 am - 12:00 pm
A: 323 W. Main St. Carson City, MI 48811
P: 989.584.3118
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday - closed
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 6727 Main St. Caseville, MI 48725
P: 989.856.2225
April 1 - September 30
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
October 1 - March 31
Monday - Thursday 9:00 am - 4:00 pm
Friday 9:00 am - 4:30 pm
April 1 - September 30
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
October 1 - March 31
Monday - Friday 9:00 am - 4:30 pm
Saturday CLOSED
A: 6241 Main St. Cass City, MI 48726
P: 989.872.2105
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday - closed
Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 6:00 pm
Saturday 9:00 am - 12:00 pm
A: 4115 17 Mile Road Cedar Springs, MI 49319
P: 616.696.0050
Monday - Wednesday 9:00 am - 5:00 pm
Thursday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 129 Lansing St. Charlotte, MI 48813
P: 517.543.4994
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Friday 8:30 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 21250 Hall Road, Suite 200, Clinton Township, MI 48038
P: 586.210.8112
Monday - Friday 9:00 am - 4:30 pm
A: 21250 Hall Road, Suite 200, Clinton Township, MI 48038
P: 586.327.1318
Monday - Friday 8:30 am - 5:00 pm
A: 3500 W. Vienna Road Clio, MI 48420
P: 810.687.6710
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:30 pm
Saturday 9:00 am - 12:00 pm
A: 7389 Croton Hardy Dr. Newaygo, MI 49337
A: 16030 Michigan Ave., Suite 210 Dearborn, MI 48126
P: 313.446.8670
Monday - Friday 9:00 am - 5:00 pm
A: 3100 Woodward Ave Suite 102, Detroit MI 48201
P: 248.952.4914
Wednesdays: 9 - 2 pm
Monday - Saturday: By Appointment Only
A: 1380 W. Lake Lansing Road East Lansing, MI 48823
P: 517.203.3800
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Thursday 9:00 am - 5:30 pm
Friday 9:00 am - 5:30 pm
Saturday 9:00 am - 12:00 pm
A: 2900 West Road East Lansing, MI 48823
P: 517.324.7400
Monday - Friday 9:00 am - 5:00 pm
A: 2461 S. Michigan Road Eaton Rapids, MI 48827
P: 517.663.4108
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 1615 W. Center Ave. Essexville, MI 48732
P: 989.893.4563
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday - closed
Sunday - closed
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 12:00 pm
Sunday - closed
A: 275 Springside Drive., Suite 101, Fairlawn, OH 44333
P: 234.815.1501
By Appointment Only
A: 32900 Middlebelt Road Farmington Hills, MI 48334
P: 248.539.4600
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 1014 S Beacon Blvd Grand Haven MI 49417
P: 616.836.9261
A: 6750 Cascade Road SE Grand Rapids, MI 49546
P: 616.949.2189
Monday - Friday 9:00 am - 4:30 pm
Saturday CLOSED
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 77 Monroe Center Ave. NW, Suite 1200 Grand Rapids, MI 49503
P: 616.458.7045
Monday - Friday 8:30 am - 5:00 pm
A: 4200 E. Beltline Grand Rapids, MI 49525
P: 616.363.1207
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday Closed
A: 77 Monroe Center NW Grand Rapids, MI 49503
P: 616.458.7045
A: 3090 Plainfield NE Grand Rapids, MI 49505
P: 616.447.0900
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday - closed
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 4525 Lake Michigan Dr. Walker, MI 49534
P: 616.735.2293
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 4150 E Beltline Grand Rapids MI 49525
P: 616-304-2009
A: 12368 Riley St, Holland, MI 49424
P: 616.344.2470
Monday - Friday 9:00 am - 4:30 pm
Saturday - By Appointment
Monday - Friday 9:00 am - 5:00 pm
Saturday CLOSED
A: 210 Central Ave Holland MI 49423
P: 616.836.9261
A: 720 W. Shaw Howard City, MI 49329
P: 231.937.4374
Monday - Thursday 9:00 am - 4:00 pm
Friday 9:00 am - 5:00 pm
Saturday - closed
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 230 W. Main St. Ionia, MI 48846
A: 450 S. Dexter St. Ionia, MI 48846
P: 616.527.7500
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 2551 S. State St. Ionia, MI 48846
A: 2280 South 11th St Kalamazoo MI 49009
P: 269-569-7254
A: 5854 State St. Kingston, MI 48741
A: 144 S. Main St. Leslie, MI 49251
P: 517.589.8222
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:30 pm
Saturday 9:00 am - 12:00 pm
A: 37601 W. Five Mile Road Livonia, MI 48154
P: 734.591.4400
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 5:30 pm
Saturday 9:00 am - 12:00 pm
A: 2593 S. Van Dyke Marlette, MI 48453
P: 989.635.3541
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
Saturday 9:00 am - 12:00 pm
A: 190 W. Kipp Road Mason, MI 48854
P: 517.244.9361
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 409 Ashman Midland , MI 48640
P: 989-486-6216
A: 3251 Henry St. Muskegon, MI 49441
P: 231.830.3999
Monday - Friday 9:00 am - 4:30 pm
Saturday CLOSED
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 41 N. State Rd. Newaygo, MI 49337
P: 231.652.1665
Monday - Thursday 9:00 am - 4:00 pm
Friday 9:00 am - 4:00 pm
Saturday - closed
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 199 W. River Valley Newaygo, MI 49337
A: 4046 Huron St. North Branch, MI 48461
P: 810.688.3051
A: 3765 Huron St. North Branch, MI 48461
P: 810.688.4727
Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 6:00 pm
Saturday 9:00 am - 12:00 pm
A: 2119 Hamilton Road Okemos, MI 48864
P: 517.381.0817
Monday - Friday 9:00 am - 5:00 pm
Saturday CLOSED
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:30 pm
Saturday CLOSED
A: 112 S Main St, Olivet, MI 49076
24 Hour ATM Service
A: 7237 Nitz Street, Pigeon, MI 48755
24 Hour ATM Service
A: 408 Mable St. Pinconning, MI 48650
P: 989.879.2747
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Monday - Friday 9:00 am - 5:00 pm
Saturday CLOSED
A: 11628 Bunkerhill Road Pleasant Lake, MI 49272
P: 517.769.2200
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 1601 Grand River Ave. Portland, MI 48875
P: 517.647.7547
Monday - Friday 9:00 am - 4:30 pm
Saturday CLOSED
Monday - Friday 9:00 am - 4:30 pm
Saturday 9:00 am - 12:00 pm
A: 320 E Vermontville Hwy, Potterville, MI 48876
24 Hour ATM Service
A: 348 Main St. Rives Junction, MI 49277
A: 78 S. Main St. Rockford, MI 49341
P: 616.866.4471
Monday - Friday 9:00 am - 4:30 pm
Saturday CLOSED
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 28 N Monroe Rockford MI 49341
P: 616-304-2009
A: 1445 N. Center Road Saginaw, MI 48638
P: 989.799.1673
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday - closed
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 12:00 pm
A: 5500 Dixie Highway Saginaw, MI 48601
P: 989.777.1661
A: 4850 Bay Road Saginaw, MI 48604
P: 989.799.0070
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Sunday - closed
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 12:00 pm
Sunday - closed
A: 3601 State St. Saginaw, MI 48602
P: 989.799.0720
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday - closed
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 12:00 pm
A: 5580 State St Suite 5 Saginaw MI 48603
P: 989-799-3159
By Appointment Only
A: 5 S 3rd St. Sand Lake MI 49343
P: 616.636.8881
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 4:30 pm
Saturday - closed
Monday - Friday 9:00 am - 5:0 pm
Saturday 9:00 am - 12:00 pm
A: 29 Church Street Saranac, MI 48881
P: 616.642.9406
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 4:30 pm
Saturday - closed
Monday - Friday 9:00 am - 4:30 pm
Saturday 9:00 am - 12:00 pm
A: 8880 Unionville Road Sebewaing, MI 48759
P: 989.883.3310
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday - closed
Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 6:00 pm
Saturday 9:00 am - 12:00 pm
A: 49785 Van Dyke Ave. Shelby Township, MI 48317
P: 586.731.6130
Monday - Friday 9:00 am - 4:30 pm
Saturday 9:00 am - 12:00 pm
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 250 Broadway St South Haven MI 49090
P: 269-569-7254
A: 525 S. State St. Sparta, MI 49345
P: 616.887.8277
Monday - Friday 9:00 am - 5:00 pm
Saturday - closed
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 209 S. Main St. Standish, MI 48658
P: 989.846.4595
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 93 W. Fourth St., Suite D Suttons Bay, MI 49682
P: 231.995.5565
Monday - Friday 9:00 am - 5:00 pm
Monday - Friday 9:00 am - 5:00 pm
A: 4011 Eastern Sky Dr. Traverse City, MI 49684
P: 231.995.5540
Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:30 pm
Saturday 9:00 am - 12:00 pm
A: 333 W. Grandview Parkway Traverse City, MI 49684
P: 231.995.5508
A: 1239 S. Garfield Traverse City, MI 49686
P: 231.995.5575
Monday - Friday 9:00 am - 4:30 pm
Monday - Friday 9:00 am - 5:00 pm
A: 201 W. Big Beaver Road Troy, MI 48084
P: 248.689.1200
Monday - Friday 9:00 am - 5:00 pm
Monday - Friday 9:00 am - 5:00 pm
A: 201 W. Big Beaver Rd., Suite 201 Troy, MI 48084
P: 248.918.5690
Monday - Friday 9:00 am - 5:00 pm
A: 6586 Center St. Unionville, MI 48767
A: 194 Main St. Vermontville, MI 49096
A: 1075 Wilcox Ave. White Cloud, MI 49349
P: 231.689.6608
Monday - Friday 9:00 am - 4:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Friday 9:00 am - 4:30 pm
Saturday 9:00 am - 12:00 pm
A: 1245 E. Grand River Road Williamston, MI 48895
P: 517.655.2168
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm
A: 109 E Main St Zeeland MI 49464
P: 616.836.9261
By Appointment Only
To get started, use the Balance Your Account form.
To get started, use the Balance Your Account form.
It may not reflect deposits or checks that have not cleared. To see an accurate balance, be sure to keep a check register, go to the branch, or visit ONE Wallet Online Banking.
It may not reflect deposits or checks that have not cleared. To see an accurate balance, be sure to keep a check register, go to the branch, or visit ONE Wallet Online Banking.
The Federal Trade Commission estimates that the average victim of identity theft is unaware of the problem for 12 months. A lot of damage can be done in 12 months, costing a substantial amount of time and money to reconcile. The following tips will help reduce your risk of identity theft.
Protect your Social Security Number (SSN):
Credit Card & Personal Information Precautions:
If your personal information is already on file with Independent Bank, you can make changes through ONE Wallet Online Banking to your address, phone number, or email address. Just log into your account and select the "Profile" tab. You can also visit any Independent Bank location. Please note some changes may require you to present documentation at your local branch.
How do I transfer my direct deposit to Independent Bank?
Transferring your direct deposits and other automatic payments to Independent Bank is quick and easy with ClickSWITCH! Get started with ClickSWITCH today!
Transferring your direct deposits and other automatic payments to Independent Bank is quick and easy with ClickSWITCH! Get started with ClickSWITCH today!
To activate your new card:
Perform a PIN-based transaction at an ATM or merchant
OR
Call our 24-hour telephone banking at 888.300.3193.
To activate your new card:
Perform a PIN-based transaction at an ATM or merchant
OR
Call our 24-hour telephone banking at 888.300.3193.
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do. The types of personal information we collect and share depend on the product or service you have with us. This information can include: 1. Social Security number and income, 2. Account balances and payment history, 3. Credit history and credit scores.
You can send money to friends, family and people you know.** We recommend you ask people to enroll with Zelle before you send them money – this will help them get your payment more quickly.*
Since money is sent directly from your bank account to another person’s bank account within minutes,* it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number. Zelle should only be used to send money to friends, family, or others you trust.
*Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®.
**Must have a bank account in the U.S. to use Zelle®.
I’m unsure about using Zelle to pay someone I don’t know. What should I do?
If you don’t know the person, or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle for these types of transactions.
These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither Zelle nor Independent Bank offers a protection program for any authorized payments made with Zelle - for example, if you do not receive the item you paid for or the item is not as described or as you expected.
How do I use Zelle?
You can send, request, or receive money with Zelle. To get started, log into the IB ONE Wallet mobile app and select “Send Money with Zelle®.” Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, accept terms and conditions, and you’re finished.
To send money using Zelle, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number), add the amount you’d like to send and an optional memo, review, then hit “Send.” In most cases, the money is available to your recipient in minutes.*
To request money using Zelle, choose “Request,” select the individual(s) from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request.”
To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle.
*Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®.
Someone sent me money with Zelle, how do I receive it?
If you have already enrolled with Zelle, you do not need to take any further action. The money will move directly into your bank account, typically within minutes.*If you have not yet enrolled with Zelle, follow these steps:
*To receive money in minutes, the recipient’s email address or U.S. mobile number must already be enrolled with Zelle®.
What types of payments can I make with Zelle?
Zelle is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter, or neighbor.**
Since money is sent directly from your bank account to another person’s bank account within minutes,* Zelle should not be used to send money to people you don’t know or trust.
Neither Zelle nor Independent Bank offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.
*Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®.
**Must have a bank account in the U.S. to use Zelle®.
How do I get started?
It’s easy — Zelle is already available within the IB ONE Wallet mobile app! Check our app and follow a few simple steps to enroll with Zelle today. We recommend you enroll before someone sends you money – this will help you get your first payment faster.
You can find a full list of participating banks and credit unions live with Zelle here.
If your recipient’s bank isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle by downloading the Zelle app for Android and iOS.
To enroll with the Zelle app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle does not accept debit cards associated with international deposit accounts or any credit cards.
How does Zelle work?
When you enroll with Zelle through the IB ONE Wallet app, the name of your bank and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared – those stay with Independent Bank). When someone sends money to your enrolled name, email address or U.S. mobile number, Zelle looks up the email address or mobile number in its “directory” and notifies Independent Bank of the incoming payment. Independent Bank then directs the payment into your bank account, all while keeping your sensitive account details private.
Can I cancel a payment?
If your recipient has not yet enrolled with Zelle, the payment will remain pending and the money will not move from your account. If the recipient does not enroll within 14 days, the payment will expire, and the transaction will need to be made again.
If the person you sent money to has already enrolled with Zelle, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you know and trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, please call us at 800.355.0641 so we can help you.
How long does it take to receive money with Zelle?
Money sent with Zelle is typically available to an enrolled person within minutes.* Ask your friends and family to enroll with Zelle before you send them money – this will help them get your payment more quickly.
If you send money to someone who isn’t enrolled with Zelle, they will receive a notification prompting them to enroll. After enrollment, the money will move directly into your recipient's account. Once their first payment completes, your recipient will be able to receive future payments faster, typically within minutes.*
If your payment is still pending, we recommend confirming that the person you sent money to has enrolled with Zelle and that you entered the correct email address or U.S. mobile phone number. If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.
Still having trouble? Please give the Independent Bank Customer Service team a call at 800.355.0641.
*To receive money in minutes, the recipient’s email address or U.S. mobile number must already be enrolled with Zelle®.
Will the person I send money to be notified?
Yes! They will receive a notification via email or text message.
Yes! They will receive a notification via email or text message.
Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes.* With just an email address or U.S. mobile phone number, you can send money to people you know and trust, regardless of where they bank.** Ask your recipient to enroll with Zelle before you send them money – this will help them get your payment more quickly.
*Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®.
**Must have a bank account in the U.S. to use Zelle®.
Are there any fees to send money using Zelle?
Independent Bank does not charge any fees to use Zelle.***
***Mobile carrier fees may apply.
Independent Bank does not charge any fees to use Zelle.***
***Mobile carrier fees may apply.
Can I use Zelle internationally?
In order to use Zelle, the sender and recipient’s bank accounts must be based in the U.S.
In order to use Zelle, the sender and recipient’s bank accounts must be based in the U.S.
Is my information secure?
Keeping your money and information safe is a top priority for Independent Bank. When you use Zelle within our IB ONE Wallet mobile app, your information is protected with the same technology we use to keep your bank account safe.
How do I add recipients within Zelle?
When setting up Zelle within the IB ONE Wallet mobile app, you will be prompted to add all contacts from your phone. If you choose to do so, be sure that all your contacts are accurate. This includes removing the "1" in front of all phone numbers and removing old information. Each phone number and email address will import into Zelle as a separate recipient.
If you choose not to import all contacts from your mobile device, you can add individual contacts at time of submitting or requesting payments.