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Loan Payment Options

With a variety of options available, making your loan payments is easy.

Making your loan payment with Independent Bank is easy. 

Simply choose one of the options below to get started.

 

FREE ways to pay your loan.

  1. Transfer funds from an Independent Bank account directly to your loan through ONE Wallet Online Banking. (If you don't already have an account with Independent Bank, view our checking account options and open one online.)
  2. Use Bill Pay to make your loan payment from your Independent Bank checking account or set up automatic payments through ONE Wallet Online Banking.
    • To set up automatic recurring payments from your Independent Bank account or another financial institution, visit your local branch, or contact our Customer Experience Hub at 800.355.0641 or click here to enroll in automatic payments.
  3. Send your loan payments by mail:

Regular Loan Payments
Independent Bank
227 W. Main St.
Ionia, MI 48846

 

Payoff Payments
Independent Bank Payoff Department
227 W. Main St.
Ionia, MI 48846


Express Loan Pay

Same-Day Expedited Payment Option - $7 Fee

Need to make a last-minute loan payment? Avoid late fees with Independent Bank's Express Loan Pay! For the convenience of our customers as we respond to the impacts of the coronavirus, Independent Bank will be waiving the $7 fee for same-day expedited payments until further notice.

 

Note: Your account number now ends in 1. For example, if your account number was 12345 prior to 5.21.21, it is now 123451.

 

Make a One-Time Loan Payment

 

  1. Get started by making a same-day, one-time payment through Express Loan Pay:
    • Enter your payment information: loan number, last 4 of social security number or tax ID.
    • Enter your contact information: name, address, phone number, and email address.
    • Enter your bank account information from the account which you would like the payment to be withdrawn.
    • Review and submit. After you submit the payment you’ll receive your confirmation reference ID.

2. Prefer to make your payment over the phone? Call Express Loan Pay at 800.355.0641. 

Before using this service, it’s important that you review and agree to the following terms

Express Loan Pay Terms and Agreements


Are you a Visual Learner?

Check out our Express Loan Pay Video down below!

 

Interactive Video Player

Express Loan Pay FAQ

What kind of loan payments can I make using Express Loan Pay?

Express Loan Pay will accept payments from a checking or savings account for active consumer, mortgage, home equity lines of credit, and commercial loans. Payments will be accepted at any time of the day.
Express Loan Pay will accept payments from a checking or savings account for active consumer, mortgage, home equity lines of credit, and commercial loans. Payments will be accepted at any time of the day.

How long does it take for a payment to post to the loan?

Payments made before 10:00 pm (ET) Monday-Saturday are processed the same day, excluding Federal holidays. Payments submitted on Sundays or on Federal holidays are processed the next business day.
Payments made before 10:00 pm (ET) Monday-Saturday are processed the same day, excluding Federal holidays. Payments submitted on Sundays or on Federal holidays are processed the next business day.

Is there a fee to make a loan payment?

Yes, there will be a $7.00 convenience fee each time a payment is made. For the convenience of our ...
Yes, there will be a $7.00 convenience fee each time a payment is made. For the convenience of our customers as we respond to the impacts of the coronavirus, Independent Bank will be waiving the $7 fee until further notice.

Is there a minimum and maximum payment amount?

Yes, payments can be made from $0.01 to $25,000 per loan payment.f I
Yes, payments can be made from $0.01 to $25,000 per loan payment.f I

What methods are available for paying my loan with Express Loan Pay?

You may make loan payments from your checking or savings account as a guest user, a registered user, or by telephone.
You may make loan payments from your checking or savings account as a guest user, a registered user, or by telephone.

What happens if my payment is returned?

We will make a second attempt to process the payment. If the payment returns after the second ...
We will make a second attempt to process the payment. If the payment returns after the second attempt, we will assess a fee and reverse the payment from the loan account. Please be aware that your access to the Online Loan Payment Service will be restricted. You will need to contact us at 800.355.0641 to restore service or make other arrangements to satisfy your loan payment.

What is a Guest User?

A Guest User is a non-registered user. No registration is needed to make your loan payment as a ...
A Guest User is a non-registered user. No registration is needed to make your loan payment as a guest. The functionality for guest users is limited to processing same business day, one-time payments, future-dated payments, and viewing the payment history for a given account for the past 72 hours. All personal and payment information must be entered each time a payment is made.

What will I need to complete a payment as a Guest User?

• Bank routing number for withdrawal account • Bank account number for withdrawal account • Loan ...
• Bank routing number for withdrawal account • Bank account number for withdrawal account • Loan Number—see loan statement or coupon book • Last 4 digits of borrower’s SSN or Tax ID Number • Email address • Mobile phone number (if you would like to receive a text confirmation)

How do I access Express Loan Pay?

Go to the Independent Bank Loan Payment page and click “Make a One Time Payment” and enter the information requested.
Go to the Independent Bank Loan Payment page and click “Make a One Time Payment” and enter the information requested.

Will I receive a receipt for the payment I make?

Yes, for online payments, a receipt will be sent to the email address you provide; if a mobile ...
Yes, for online payments, a receipt will be sent to the email address you provide; if a mobile phone number is provided, a receipt will also be sent via text. For payments made through the automated phone service, a confirmation number will be provided.

When making a payment, what number do I input for the loan account number?

Input the Independent Bank loan account number as listed on your statement or notice.
Input the Independent Bank loan account number as listed on your statement or notice.

What is a Registered User and what are the benefits?

A Registered User will create a unique user name and password. A Registered User must input their ...
A Registered User will create a unique user name and password. A Registered User must input their personal information (name, address, email, phone number) and create four (4) security questions. Registered Users have more options that are not accessible to Guest Users, such as viewing payment history, storing payment account information, and setting up automatic payment schedules.

How do I register as a Registered User?

Go to https://paybill.com/independentbank and click the “Register Now” link.
Go to https://paybill.com/independentbank and click the “Register Now” link.

What is the Wallet used for?

The Wallet is available for Registered Users to store their withdrawal account information. From ...
The Wallet is available for Registered Users to store their withdrawal account information. From the Wallet tab, you can view, add, edit, or delete any stored payment accounts. You can store an unlimited number of payment accounts in your wallet.

What happens if I forget my Username after signing up as a Registered User?

If you forget your Username after signing up as a Registered User, click on “Username” in the ...
If you forget your Username after signing up as a Registered User, click on “Username” in the “Forgot Your Username or Password?” prompt located towards the bottom of the Sign In page. You must enter your registered email address and select “Continue.” A message will then notify you that your Username has been sent to your registered email address.

What happens if I forget my Password as a Registered User?

If a Registered User forgets their Password, click on “Password” on the “Forget Your Username or ...
If a Registered User forgets their Password, click on “Password” on the “Forget Your Username or Password?” prompt located towards the bottom of the Sign In page. Your password will be sent to you in the method you selected when you registered as a Registered User (email or SMS text).

You will also be required to answer a challenge question.  Please remember the challenge question field is case sensitive. If you enter a correct answer to your challenge question, a confirmation message will appear. You will receive an email with a password reset link. Click on the link and you will be directed to a change password page where you can create a new password.

If your first challenge question is answered incorrectly, a second randomly selected security question will be displayed. If your second answer is incorrect, your account will be locked out and you must call Independent Bank for assistance at 800.355.0641, Monday-Friday 8 am-8 pm or Saturday-Sunday 8 am-6 pm (ET).

What is the Password criteria for a Registered User?

Your password must meet the following requirements: • Minimum of eight (8) characters • Must ...
Your password must meet the following requirements: • Minimum of eight (8) characters • Must contain one (1) character of at least three (3) of the following categories: o Uppercase letters o Lowercase letters o Numbers o Special punctuation/characters ( @ , # , $ , ^ , ( , ) , + , { , } , [ , ] , \ ) • Cannot contain the username.

If I change my email address is it import to change it in my Registered User Information?

Yes, it is very important to change your email address in the Registered User personal information section. This information is used to retrieve usernames and passwords.
Yes, it is very important to change your email address in the Registered User personal information section. This information is used to retrieve usernames and passwords.

Can Registered Users set up automatic payments?

Yes. You must sign in and click “Automatic Payments.” You may set up fixed automatic payment ...
Yes. You must sign in and click “Automatic Payments.” You may set up fixed automatic payment schedules. Enter the payment amount, frequency of payment, payment method, end date and account nickname (to identify this payment or the payment source). Remember to click on “I accept the Payment Authorization” and then “save.” This payment amount will not change unless you make an update.

How to I edit or delete automatic payments?

Sign in as a Registered User. Click on “Account Settings” and choose “Automatic Payments.” Please note, any time your payment amount changes, such as with escrow analysis, you will want to update your payment amount.
Sign in as a Registered User. Click on “Account Settings” and choose “Automatic Payments.” Please note, any time your payment amount changes, such as with escrow analysis, you will want to update your payment amount.

Can I set up two or more billing accounts?

Yes. Each billing account (Checking or Saving) must be added separately within the account.
Yes. Each billing account (Checking or Saving) must be added separately within the account.

Can I delete a billing account?

Yes. Sign in as a Registered User. Click on “Account Settings” and choose “Delete Account.” You ...
Yes. Sign in as a Registered User. Click on “Account Settings” and choose “Delete Account.” You must click “Yes” to the pop-up box when asked “Are you sure you want to delete this billing account?” You cannot delete the billing account if you have only one billing account.

Can I delete a billing account?

Yes. Sign in as a Registered User. Click on “Account Settings” and choose “Delete Account.” You ...
Yes. Sign in as a Registered User. Click on “Account Settings” and choose “Delete Account.” You must click “Yes” to the pop-up box when asked “Are you sure you want to delete this billing account?” You cannot delete the billing account if you have only one billing account.

Where can I view the history of all of the payments I have made?

From the Activity tab you can view pending and scheduled payments as well as payment history. Registered Users will see up to 24 months history.
From the Activity tab you can view pending and scheduled payments as well as payment history. Registered Users will see up to 24 months history.

What is the criteria for challenge question answers?

Challenge question answers are case sensitive, range between 6 and 26 characters, and contain no spaces.
Challenge question answers are case sensitive, range between 6 and 26 characters, and contain no spaces.

Does Independent Bank offer a telephone payment option?

Yes. Beginning at approximately 8:00 am (ET) on April 24, 2021, you may call the Bank’s toll free Interactive Voice Response (IVR) number at 800.355.0641 to make a payment.
Yes. Beginning at approximately 8:00 am (ET) on April 24, 2021, you may call the Bank’s toll free Interactive Voice Response (IVR) number at 800.355.0641 to make a payment.

How often may I make payments using Express Loan Pay?

There is a limit of 3 payments, to the same loan, within a 5-day period.
There is a limit of 3 payments, to the same loan, within a 5-day period.

What if I made my payment by mistake or for the wrong amount, can it be reversed?

If the payment was made today, before 7:00 p.m. ET, we are able to void the payment. If the payment ...
If the payment was made today, before 7:00 p.m. ET, we are able to void the payment. If the payment was made after 7:00 p.m. ET, there is approximately a 10 business day waiting period until the payment can be reversed and the funds refunded.

If I have questions regarding Registered Users, Guest Users, or the IVR, who do I contact?

You may call our Customer Experience Hub at 800.355.0641, Mon-Fri: 8 am-8 pm | Sat-Sun: 8 am-6 pm (ET) or email loanservicing@ibcp.com.
You may call our Customer Experience Hub at 800.355.0641, Mon-Fri: 8 am-8 pm | Sat-Sun: 8 am-6 pm (ET) or email loanservicing@ibcp.com.
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