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Midland Flood Information

We have provided some frequently asked questions that may assist you: 

 

My property is not in a Special Flood Hazard Area (SFHA) requiring flood insurance, so I did not purchase flood insurance. Will I have any flood coverage?

If the county your property is located in is approved for Federal Disaster Assistance, FEMA assistance may be available for you. You will need to contact FEMA to see if disaster assistance is available for your property. You have up to 60 days after the disaster is declared to apply for disaster assistance from FEMA.


How do I contact FEMA?

There are several ways to contact FEMA to determine if your property qualifies for Federal Disaster Assistance.

  • FEMA Helpline - 800.621.3362
  • FEMA Website - www.disasterassistance.gov
  • Download the “FEMA” App available in the App Store or Google Play Store


My property is not in a flood zone. Can I still purchase flood insurance?

Yes. However, there is a 30 day wait on new flood insurance policies.


I have flood insurance on my property and have a claim, or I have damage to the car or boat that secured my loan. Who can I contact at Independent Bank to report a claim loss?

A Loan Servicing Representative can assist you. Loan Servicing Representatives are available 8:30 am to 5:00 pm (ET) Monday-Friday at 800.662.0102, ext. 11330. Please be prepared to provide a copy of the insurance claim check and summary of damages to the representative. Or, you may email your claim information to InsuranceServicing@ibcp.com. If you are emailing, please provide a phone number and best time of day to reach you, so a representative can contact you with questions.

 


We encourage you to stay tuned to local news for important updates from your local government and FEMA.
Please contact your local branch, visit IndependentBank.com,
or call our Digital branch at 800.355.0641 if you need assistance with your accounts.

Resources

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

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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