Moving Forward Together

Your Transition to Independent Bank

Beginning Monday, November 9, 2026, Highpoint Community Bank customers will begin banking with Independent Bank. We’re here to help you prepare with important dates, helpful resources and everything you need to know about what’s ahead.

Highpoint community bank will be part of Independent Bank

A Message From Our CEO

On behalf of everyone at Independent Bank, welcome. We’re honored to welcome Highpoint Community Bank customers and build on the relationships, personal service and community commitment you’ve come to know and trust. We understand that your bank is more than a place to manage money—it is a trusted partner in the moments and decisions that matter most.

As we move forward together, our focus stays simple: putting people first. You can expect the same local care and familiar support, now backed by expanded resources, enhanced technology and a broader range of financial solutions.

— William B. (Brad) Kessel | President & CEO

What to Know as a Highpoint Community Bank Customer

When will Highpoint Community Bank become Independent Bank?

Highpoint Community Bank accounts and services will transition to Independent Bank from Friday, November 6, through Monday, November 9, 2026. Beginning Monday morning, November 9, you’ll bank with Independent Bank.

What should I expect during transition weekend?

Highpoint Community Bank branches will close at 4:00 pm (ET) on Friday, November 6, and online and mobile banking will become unavailable at 5:00 pm (ET). Digital banking will remain unavailable through the weekend while we complete the transition.

Will I still have access to my money during transition weekend?

Yes. Your funds will remain available, and your debit and credit cards will continue to work. We recommend reviewing your available balance before the weekend to make sure sufficient funds are available for purchases, withdrawals and payments.

Will my account number change?

Unless you have been notified separately, your account number will remain the same.

Can I continue using my Highpoint Community Bank checks?

Yes. Unless you have been notified separately that your account number is changing, you may continue using your Highpoint Community Bank checks until they run out.

Will my direct deposits and automatic payments continue?

Yes. Unless you have been notified separately that your account number is changing, existing direct deposits and automatic payments using your account and routing numbers will continue as usual. Some debit card, external transfer and loan payment arrangements may require action after the transition.

When will I be able to access my accounts again?

Beginning Monday morning, November 9, your accounts and services will be available through Independent Bank. Your digital banking access will also become available, and branches will reopen for regular business hours.

Stronger Together, So You Can Be Independent

Progress Powered by a Bigger Network

Tap into over 60 Michigan branches and 32,000+ ATMs nationwide, giving you more ways to bank where and how you choose.

Innovation In Your Pocket

Open accounts, apply for loans, and manage money with enhanced online and mobile tools that keep you in control of your finances.

Support When You Need It

Visit more branches or connect with our Customer Connection Hub during extended hours for people-first guidance on your schedule.

More Lending Power For Your Goals

From personal loans to business and commercial solutions, work with local lenders who tailor options to you or your company’s goals.

We’ll Never Call You for These Things

Your Full Account Number

We know your account number since we assigned it to you. We don’t need to ask you for the whole thing.

Your Full Debit Card Number

We may reference the last few digits to confirm your identity—but we’ll never ask for the full number over phone, text, or email.

Your Online Banking Password

Your password is private and encrypted. No one at Independent Bank will ever ask you to share it.

Your PIN Number

Your card PIN is personal and secure. We’ll never ask you to share it—even if you're verifying a transaction.

Your Social Security Number by Text or Email

We won’t request your Social Security number via unsecured channels. If it’s ever needed, we’ll ask you to verify it through secure means.

To Transfer Money to “Protect” Your Account

We’ll never instruct you to move funds to a “safe” account or withdraw cash to assist in an investigation. This is a common scam tactic.

To Verify Personal Info in Unexpected Calls or Messages

We won’t call, text, or email you out of the blue asking for personal details. If you receive such a request, contact us directly using a known phone number.