Highpoint Community Bank is now Independent Bank

Welcome to Independent Bank! Let's Get You Started.

Q: Your Statements

Your most recent 90 days of transaction history are currently available in TreasuryONE. Some older transaction records and check images may not yet be accessible as we complete the transition. We're continuing to work on making additional account history and check images available. Need Access to Older Records? If you need older transaction history or check images, please contact our TreasuryONE Helpdesk at 800.530.3719 for assistance. Your Highpoint Community Bank eStatement enrollment did not transfer automatically. A $3 monthly paper statement fee applies to Business ONE, Business Freedom, and EagleFlex Savings accounts if you are not enrolled in eStatements. You can enroll in eStatements by logging into TreasuryONE Digital Banking, calling 800.530.3719, or visiting your local branch for assistance.

Your transition to Independent Bank is complete, and we're excited to welcome you! You can now begin managing your business accounts through TreasuryONE Online Banking.

As you get started, we've gathered important information, step-by-step instructions, and answers to common questions to help you access TreasuryONE, manage your accounts, and make your transition as smooth as possible.

Transaction Type	Cutoff Time
ACH Origination	4:00 pm ET
Domestic / International Wires	3:00 pm ET
Positive Pay Decisions	12:00 pm ET
Remote Deposit Capture	6:45 pm ET

Your Business Accounts Now Use Real-Time Processing

Independent Bank processes most account activity in real time, which means transactions generally appear in your business accounts as they're received. The previous end-of-day grace period is no longer available. If sufficient funds aren't available when a transaction posts, your account may become overdrawn and applicable fees may be assessed.

Know Your Available Balance

Before initiating payments or transfers, check your available balance through TreasuryONE Digital Banking. Keep in mind that pending transactions may already be reflected in your available balance. You can monitor account activity, review transactions, and manage alerts in TreasuryONE to help stay on top of your business finances.

Name	Info
Treasury Service Pricing	Beginning January 2027, your existing Highpoint Community Bank Treasury pricing will be grandfathered into Independent Bank systems. Any future pricing changes will be disclosed at that time.
Treasury Service Billing	Highpoint Community Bank customers will not be billed for Treasury services in November or December 2026.
Account Number	Unless you have been notified separately, your account number has remained the same.
Digital Banking	TreasuryONE Digital Banking is now available! You can access your accounts, view balances and transaction activity, process transactions, and manage your users, templates, alerts, and settings. Any changes you made during the preview period have been saved and are available in TreasuryONE.
Checks	Unless you have been notified separately that your account number has changed, you may continue using your Highpoint Community Bank checks until they run out.
Automatic Payments	Unless you have been notified separately that your account number has changed, automatic payments authorized using your account and routing numbers will continue as usual. Debit card and loan payments are addressed separately.
Automatic Transfers	Existing scheduled transfers between your former Highpoint Community Bank deposit accounts have transferred automatically and will continue as scheduled. This includes overdraft protection transfers. External automatic account-to-deposit account transfers previously established through Highpoint Community Bank Digital Banking have not transferred. You will need to set these up again in TreasuryONE Digital Banking.
Debit Card	If you previously had a Highpoint Community Bank debit card, a new Independent Bank Debit Mastercard® was ordered for you. Your new card is now available for use once you've activated it and selected your PIN.
Credit Card	If you previously had a Highpoint Community Bank credit card, a new Independent Bank credit card was ordered for you. Please watch your mailbox for its arrival if you have not already received it.
Account History	Your most recent 90 days of transaction history are currently available in TreasuryONE. Some older transaction records and check images may not yet be accessible as we complete the transition. We're continuing to work on making additional account history and check images available. Need Access to Older Records? If you need older transaction history or check images, please contact our TreasuryONE Helpdesk at 800.530.3719 for assistance.
Loan Payments	If your loan payment is made through a direct automatic withdrawal from your former Highpoint Community Bank account or an account at another financial institution, your payment arrangement will continue without interruption. If you previously used Highpoint Community Bank online banking to transfer funds from an external account to make your loan payment, you may need to update your payment instructions in TreasuryONE.

HIGHPOINT COMMUNITY BANK ACCOUNT	INDEPENDENT BANK ACCOUNT
AA Cash Management AA Cash Management Plus AA Interest Checking AAM Cash Management AAM Cash Management Plus AAM High Yield Municipality AAM Interest Checking AAM Regular Checking Business Elite Pinnacle Checking Impact Elite Checking	Business Flex Checking Earn a competitive interest rate as your business balance grows Deposit checks from your phone with free Mobile Deposit Pay bills securely with free online Bill Pay, including one-time and recurring payments Free Independent Bank Debit Mastercard® with exclusive perks, protection, discounts, and savings
AA Regular Checking Business Essential Impact Checking	Business ONE Checking No monthly maintenance fee with a $1,000 or more average daily balance or eStatements¹ Free Mobile Deposit, so you can deposit checks on the go Free Bill Pay to schedule one-time or recurring payments Free Independent Bank Debit Mastercard® with exclusive perks, protection, discounts, and savings
Business Cash Management Business Cash Management Plus Impact Savings	Business Money Market Earn higher interest rates as your account balance grows with tiered interest levels while keeping your funds readily available Avoid the $15 monthly service fee by maintaining a $1,000 daily balance² Enjoy unlimited in-person and ATM withdrawals for flexible access to your business funds Free Independent Bank Debit Mastercard® with exclusive perks, protection, discounts, and savings
Business Edge	Eagle Advantage Checking Unlimited monthly transactions, giving your business flexibility to grow without counting transactions Earnings credit may be used to offset the $15 monthly service fee Free Independent Bank Debit Mastercard® with exclusive perks, protection, discounts, and savings Support from a dedicated banker to help identify solutions for your business
Business Statement Savings	EagleFlex Savings Earn competitive, tiered interest rates—the more your business saves, the more it can earn while keeping funds easily accessible Avoid the $12 quarterly maintenance fee by maintaining a $300 minimum daily balance or enrolling in eStatements³ Enjoy unlimited in-person and ATM deposits and withdrawals for flexible access to your funds Free Independent Bank Debit Mastercard® with exclusive perks, protection, discounts, and savings
Business High Yield Savings	No change to your current rate or terms. Your Business High Yield Savings Account has transitioned to Independent Bank. This account remains available to existing account holders but is no longer offered for new account openings.
Certificates of Deposit (CDs) and IRAs	No change to your current rate or terms.
IOLTA	No change to your current rate or terms.

1 If eStatements are not selected or an average daily balance of $1,000 or greater is not maintained, a $10 monthly service fee will be assessed. The first 500 items processed each month are free; each additional item is $0.50. Currency and coin deposits are free for the first $25,000 deposited each month; amounts above $25,000 are assessed $1.50 per $1,000 deposited. 2 If the $1,000 daily balance is not maintained, a $15 monthly service fee will be assessed. 3 If a $300 minimum daily balance is not maintained and the account is not enrolled in eStatements, a $12 quarterly maintenance fee will be assessed. Fees may reduce earnings. Other fees and restrictions may apply.

Business Debit Mastercard

Your new Independent Bank Business Debit Mastercard^® is now available for use. If you haven't already, activate your card, select your PIN, and add it to your mobile wallet.

Important: Recurring payments tied to your previous Highpoint Community Bank debit card did not transfer automatically. Be sure to update your card information with any merchants or services that charge your card regularly.

If you haven't received your new debit card, please contact our Customer Connection Hub at 800.355.0641 or visit your local branch.

Automated Transaction Matching

Payments are automatically verified against your issued-item records.

Quick Payment Approval

Review and approve flagged items directly from your TreasuryONE dashboard.

Secure ACH & Check Protection

Prevent unauthorized withdrawals and check fraud before funds move.

Fraud Prevention

Checks and ACH items presented electronically or in-branch are checked against your approved list.

Learn About Positive Pay

More About Your Accounts & Services

Expand any topic below for the details that apply to your business.

Your Statements

Your most recent 90 days of transaction history are currently available in TreasuryONE. Some older transaction records and check images may not yet be accessible as we complete the transition.

We're continuing to work on making additional account history and check images available.

Need Access to Older Records?

If you need older transaction history or check images, please contact our TreasuryONE Helpdesk at 800.530.3719 for assistance.

Your Highpoint Community Bank eStatement enrollment did not transfer automatically. A $3 monthly paper statement fee applies to Business ONE, Business Freedom, and EagleFlex Savings accounts if you are not enrolled in eStatements.

You can enroll in eStatements by logging into TreasuryONE Digital Banking, calling 800.530.3719, or visiting your local branch for assistance.

Bill Pay

Your previous Highpoint Community Bank Bill Pay information did not transfer automatically, including payees, payment templates, and scheduled or recurring payments.

You will need to enroll in Bill Pay and rebuild this information in TreasuryONE Digital Banking. Bill Pay is now available for you to set up and begin making payments.

ATM Access

You can now enjoy fee-free ATM access using your new Independent Bank Debit Mastercard® at Independent Bank ATMs across Michigan and more than 32,000 MoneyPass® ATMs nationwide.

Find an Independent Bank ATM at IndependentBank.com/Locations or a MoneyPass ATM at MoneyPass.com.

Wire Transfers

You can now initiate wire transfers through TreasuryONE Digital Banking. Your wire templates, authorized users, approval requirements, and transaction limits are available in TreasuryONE based on the information established during the preview period.

Real-time rate lock is available for foreign currency wire transfers. Contact your banker for assistance or to learn more.

Lockbox Services

New to you through Independent Bank, Lockbox Services can help your business process mailed and electronic payments more efficiently.

Payments are directed to a secure, bank-managed location, where they are processed and deposited on your behalf. This can help accelerate funds availability, reduce manual processing, improve security, and simplify reconciliation through automated data capture and detailed reporting.

Contact your Treasury Management representative to learn whether Lockbox Services are right for your business. Learn more at IndependentBank.com/Lockbox.

QuickBooks & Autobooks

Your previous QuickBooks connection did not transfer automatically. You can now reconnect your Independent Bank accounts in QuickBooks to continue downloading account and transaction information.

Autobooks has transitioned to IB Payments Center. Your previous Autobooks information did not transfer automatically.

You will need to set up your information and payment activity again in IB Payments Center.

Merchant Services

Your existing merchant services and payment-processing systems have continued without interruption. No action is needed.

If you are interested in exploring additional payment-processing solutions, Independent Bank partners with Clover to offer flexible tools for accepting payments and managing your business. Learn more at IndependentBank.com/Clover.

Safe Deposit Boxes

Your box number, size, and access have remained the same. The annual rent that now applies to your box size is shown below.

Highpoint Community Bank-specific safe deposit box discounts did not carry over to Independent Bank. Any eligible discount is now based on Independent Bank's current safe deposit box discount options.

Safe Deposit Box Prices

Commercial Loans

Your Highpoint Community Bank commercial loan has transitioned to Independent Bank. Unless you have been notified separately, your loan number has remained the same. Your loan terms, interest rate, and scheduled payment amount have not changed as a result of the transition.

If your payment is made through an automatic withdrawal from your former Highpoint Community Bank account or an account at another financial institution, your payment arrangement will continue without interruption.

If you previously used Highpoint Community Bank Digital Banking to transfer funds from an external account to make your loan payment, you may need to update your payment instructions in TreasuryONE. Additional information and instructions have been provided in a separate mailing.

As part of your ongoing commercial banking relationship, you may continue to be asked to provide financial information, just as you did with Highpoint Community Bank.

Your commercial lender will contact you directly regarding any information needed.