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COVID-19 Response: We are here for you. Learn about potential assistance resources and our response on our Coronavirus Update Page.

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Coronavirus Updates

We have no higher priority at Independent Bank than the safety of our employees and customers and our social responsibility to the communities in which we operate. 

To ensure the health of our customers and employees, we have put some new safety measures in place. For more information on the steps we are taking, please review our Safe Work Playbook. We are excited to have you in our branches! View our Safe Work Playbook PDF

Our Business Continuity Program, Crisis Communication Program, and their supporting controls, processes and procedures are reviewed in-depth by our internal auditors, external auditors, and state and federal bank regulators.

Key actions taken by our teams to date include:

  • Pandemic monitoring and medical updates
  • Providing the technology, culture, and operational infrastructure for the workforce to work remotely as needed
  • Testing our remote access technology and support capabilities to ensure that we can meet the needs of our business units
  • Restricting business travel
  • Monitoring employee personal travel and potential exposure
  • Replacing in-person meetings with virtual meetings
  • Postponing or canceling internal group meetings and events
  • Performing additional routine and on-demand sanitization of facilities using enhanced methods
  • Third-party vendor assurance of uninterrupted services and alternate vendor planning
  • Frequent and regular communication with management, employees, customers, and partners
  • Monitoring and responding to changing cyber threats related to this outbreak

Independent Bank is committed to the health and safety of our customers, employees, partners, and community. Our leadership team will continue to monitor the developing situation closely and work to ensure sustained exceptional service to our customers.

Fees for the following services will be waived:

  • SwiftPay same-day loan payments
  • Telephone Banking transfers
  • Bill Pay (for businesses)
  • SnapCheck Mobile Deposit (for businesses)
  • Federal Reserve Regulation D Transaction limits

Consumer Loan Assistance:

We're committed to helping our customers. We realize you have concerns about loss of work or reduced income from business closures or restrictions created by local health guidelines. Visit our Consumer Loan Assistance page for more details. 

Business Loan Assistance:

We’re dedicated to our communities and their backbone—local businesses. In trying times like these, we know that now more than ever, you need a financial partner who cares as much about your success as you do. With over 155 years of banking in Michigan, we’re here to help you through the challenges of today as well as tomorrow. We’re in this together. Visit our Business Loan Assistance page for more details. 

Bank at your own convenience:

We are also highly recommending that our customers use our digital tools for their banking needs during this time. Customers can access their account(s) 24/7 through both Online Banking and Mobile Banking to check balances, transfer funds, pay bills, deposit checks, find an ATM, and much more. The Independent Mobile app is available for free in both the App Store as well as the Google Play Store. In addition to using any of our ATM locations to withdraw cash, customers can also select the “cash back” option from local merchants at checkout using their Debit Mastercard®.

Independent Bank also offers Zelle® to send money to people they know and trust through the Independent Mobile app. Personal Finance, a free money management tool, is also available via Online Banking. If customers would like to open an account or apply for a loan, applications are available at IndependentBank.com

Our Customer Service team (digital branch) is available at 800.355.0641 Monday-Friday 8 am-8 pm and Saturday-Sunday 8 am-6 pm (ET) to assist you with your banking needs. Customers can also access 24/7 Telephone Banking to check their balance, transfer funds, change their Debit Mastercard® PIN, and more at 888.300.3193.

Need cash on the go? We’ve got you covered!

Independent Bank waives your fees at over 32,000 MoneyPass ATMs nationwide. Visit moneypass.com or download the MoneyPass app today to find one nearest you.

Thank you for your support and understanding as we navigate through the ongoing developments.  Please feel free to reach out to your Independent Bank contact with any questions or concerns.

Brad Kessel, President and CEO, Independent Bank

 


Resources

Videos

Gain access to our videos—learn about how Independent Bank is helping customers, inspiring employees, and investing in our communities.

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

Frequently Asked Questions

How do I balance my checking account?

To get started, use the Balance Your Account form.

To get started, use the Balance Your Account form.

Why is my ATM balance different than my actual balance?

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 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 online banking.

How is my personal information used?
Federal law requires all financial institutions to obtain, verify, and record information that ...
Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. Your information is securely stored on your account and customer records when your new account is opened.
How can I change my personal information?
If your personal information is already on file with Independent Bank, you can make changes through ...
If your personal information is already on file with Independent Bank, you can make changes through online banking to your address, phone number, or email address. Just log into your account and select the "Customer Service" 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 endorse my check for SnapCheck Mobile Deposit?
You should sign your check with your name or business name and “For Mobile Deposit Only at Independent Bank.”
You should sign your check with your name or business name and “For Mobile Deposit Only at Independent Bank.”
How can I make a deposit into my son's or daughter's account at college?
We know that banking for college students involves transactions both on campus and at home. That’s ...
We know that banking for college students involves transactions both on campus and at home. That’s why we make it easy to add money to your Independent Bank checking account through Independent Bank offices statewide, by mail or through wire transfers.
How can I speed up my application to open an account?
If you already have an account with us, we will automatically fill out parts of your application ...
If you already have an account with us, we will automatically fill out parts of your application using information you provided when you opened your other account. This could be information from your ATM or debit card, a deposit account (excluding CD accounts), or a loan account.
What is Independent Mobile?
Independent Mobile gives you access to your accounts from our mobile banking app, Independent ...
Independent Mobile gives you access to your accounts from our mobile banking app, Independent Mobile, on your smartphone or tablet. You can view account balances, pay bills to existing payees, search recent account activity, transfer funds, use SnapCheck mobile deposit, and find ATM or branch locations.
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