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Legal Notices



Electronic Transfer Error Resolution Notice

In the event of an error or question about your electronic transfers, please write or call us using the contact information below as soon as possible. If you believe your statement or receipt is incorrect or if you would like to request more information about a transfer listed on your statement or receipt, please contact us as soon as possible. We must hear from you no later than 60 days after the FIRST statement on which the problem or error appeared was sent.

  • Include your name and account number (if any).
  • Describe the error or transfer you are unsure about and explain as clearly as possible why you believe it is an error or why you would like more information.
  • Include the dollar amount of the suspected error.

Informing the bank verbally may not be sufficient notification. We may require that you send your complaint or questions in writing within 10 business days (5 business days for Visa Check Card point-of-sale transactions and 20 business days if the transfer involved a new account). It may take up to 45 days (90 days if the transfer involved a new account, point-of-sale transactions, or a foreign-initiated transfer) to investigate your complaint or question. Your account may be credited for the amount in question within 10 business days (5 business days for Visa Check Card point-of-sale transactions and 20 business days if the transaction involved a new account). During the investigation, you will have access to these funds. If you are asked to place your complaint or question in writing and the requested documentation is not received within 10 business days, your account may not be credited. Your account is considered a new account during the first 30 calendar days after the account is established unless each of you already had an existing account with us 30 calendar days before this account was opened.

You will be notified of the results within three business days after completing the investigation. If the results of the investigation show that no error occurred, a written explanation will be sent detailing the final conclusion.

You may request copies of the documentation used in the investigation.

Independent Bank Deposit Services
PO Box 279
Belding, MI 48809

Deposit Account Disclosures

Independent Bank Fee Schedule

Deposit Insurance Coverage Information

Mortgage Loan Disclosures

Electronic Banking Disclosures

Miscellaneous Disclosures

Mortgage Error Resolution Notice

Loan Servicing 
227 W. Main St.
Ionia, MI 48846


Pursuant to Section 12 CFR 1024.35 (Error Resolution) and Section 12 CFR 1024.36 (Request for Information) of the Real Estate Settlement Procedures Act (RESPA), consumers must use the following mailing address or email address to assert an error (Notice of Error) or request information (Request For Information) on a loan.

Scams, Fraud and Identity Theft

It's important to safeguard your money and identity. Learn what to watch for and how to protect yourself. 


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Learn About Identity Theft Protection

Privacy and Security

At Independent Bank, we're committed to safeguarding your privacy.


Learn More About Privacy + Security

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