<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=477082489521672&amp;ev=PageView&amp;noscript=1">
For the safety of our customers and employees, our branch lobbies are open by appointment only, but we are open for business via our drive-thrus.

Disclaimer

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 or security of any linked web page.

Click “OK” to continue or “Cancel” to go back

Ok Cancel
x Want to chat? How can we help you? open chat
Menu
Search
Locations
Login

Coronavirus Updates

For the safety of our customers and employees, beginning Tuesday, March 17, we will close all branch lobbies, but WILL REMAIN OPEN FOR BUSINESS via our drive-thrus and by appointment.

Customers that need to meet with a Banker, Loan Officer, Wealth Management, or Commercial Lender can continue to do so by appointment. Our drive-thrus WILL remain open. 

Branches without drive-thrus will be available as follows:

  • Downtown Grand Rapids: Will remain open by appointment only
  • Downtown Traverse City: Will remain open by appointment only
  • North Branch: Will remain open by appointment only
  • Ionia Main: Temporarily closed, beginning on Tuesday, March 17. Please use the branch on Dexter in Ionia. 
  • CMU: Temporarily closed, beginning on Tuesday, March 17. Please use the branch in downtown Mt. Pleasant.
  • SVSU: Temporarily closed, beginning on Tuesday, March 17. Please use the branch at the Fashion Square Mall in Saginaw, on Bay Road.

For the safety of our customers and employees, we realize that digital banking may be the recommended option over the next several weeks. In an effort to make this as convenient for our customers as possible, Independent Bank will be waiving fees on a variety of our services. 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

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.

We understand that these are uncertain times, and our customers and employees are all nervous and concerned with what our future holds. Please remember we are here to help in any way we can. As more information becomes available, we will continue to keep you updated. 

3.24.20 | Pandemic Statement

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. 

When it became apparent that the threat from Coronavirus (COVID-19) could pose a threat to our people and business, we activated our Business Continuity and Crisis Communication Core Teams to take early and decisive action. These teams are comprised of Independent Bank leadership at the highest levels and are responsible for assessing risks and identifying steps to guide the bank through these difficult times.

Addressing public health emergencies, such as the COVID-19 Coronavirus outbreak or other possible pandemics, is part of the Independent Bank Business Continuity Program. This program exists to ensure continued availability of Independent Bank services and the safety of employees, customers, and partners. We regularly test our Business Continuity Program capabilities and capacity and adjust as a result of this testing.

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
  • Our branch lobbies remain open by appointment only to meet customers safely and we are performing transactions through our drive-thru windows
  • 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.

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

 

3.23.20 |  COVID-19 Cyber Warning

Please use extreme caution when handling any email with Coronavirus COVID-19 related subject lines, attachments, and/or hyperlinks.

Also be wary of social media posts, text messages, and calls related to the virus. Malicious emails may try to trick you into revealing sensitive information, opening malware-infected attachments, or asking you to donate to fraudulent charities or causes.

Malware delivered to your computer can be used to collect sensitive information, convince you to give others access to control your computer remotely, ask you to log into your Online Banking accounts on various websites, and transfer money on your behalf. Please remember that Independent Bank will NEVER ask you for your passwords. 

If you receive any suspicious communication, especially if it appears to be coming from Independent Bank, please contact us immediately at 800.355.0641 to verify its authenticity.

 

3.12.20 | Independent Bank continues to monitor developments regarding the coronavirus.

As your trusted financial partner, we want you to know that we are taking all necessary precautions for the safety and well-being of our customers, employees, and the communities we serve.

We recognize that some of our customers may be negatively impacted as a result of this global outbreak. Independent Bank is here to help, and we are prepared to offer assistance with any of your financial needs. If you encounter hardships as a result of the coronavirus, please call 844.279.2748.

We have not made any changes to the hours of operation at our offices or branches. However, circumstances may change, in which case we will notify you of any changes in our operations.

For added banking convenience, we highly recommend that you leverage the various tools and services Independent Bank has available to serve you. You can access your account(s) 24/7 through both Online Banking and Mobile Banking to check balances, transfer funds, pay bills, deposit checks, find an ATM near you, and much more. The Independent Mobile app is available for free in both the App Store as well as the Google Play Store.

Our Customer Service team is also 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. If you need assistance with your account(s) or any of our banking tools and services, please contact our Customer Service team or visit your local Independent Bank branch.

While it is still uncertain the full impact that the coronavirus will have, we want you to know that we are taking all steps necessary to keep our customers and employees safe, while also continuing to serve you and provide the best banking experience. For the latest updates on the coronavirus and prevention tips, we recommend visiting the Center for Disease Control. If you have any questions or concerns regarding your account(s), please contact Customer Service at 800.355.0641, visit IndependentBank.com, or stop by your local branch.

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.
View All FAQ's