Personal Savings Accounts | Independent Bank

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Location

Find A Location

Acme | Independent Bank

Branch Location

Contact Information

A: 6018 US 31 North Williamsburg, MI 49690
P: 231.995.8091

Office

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:30 pm

Drive-Up

Monday - Friday 9:00 am - 5:30 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Akron Mortgage Loan Center | Independent Bank

Mortgage & Loan Center

Contact Information

A: 525 N. Cleveland-Massillon Rd., Suite 101 Akron, OH 44333
P: 234.815.1501

Office

Monday - Friday 9:00 am - 5:00 pm

Services: Mortgage, Loans, No cash transactions

| Get Directions

Ann Arbor Mortgage Loan Center | Independent Bank

Mortgage & Loan Center

Contact Information

A: 3025 Boardwalk Dr., Suite 260 Ann Arbor, MI 48108
P: 734.545.7124

Office

Monday - Friday 9:00 am - 5:00 pm

Services: Mortgage, Loans, No cash transactions

| Get Directions

Auburn | Independent Bank

Branch Location

Contact Information

A: 1004 W. Midland Road Auburn, MI 48611
P: 989.662.4403

Office

Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm

Drive-Up

Monday - Thursday 9:00 am - 5:00 pm
Friday 8:30 am - 6:00 pm
Saturday 9:00 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Bad Axe | Independent Bank

Branch Location

Contact Information

A: 655 N. Port Crescent Bad Axe, MI 48413
P: 989.269.6471

Office

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 12:00 pm

Drive-Up

Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 6:00 pm
Saturday 9:00 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Bay City - Euclid | Independent Bank

Branch Location

Contact Information

A: 745 N. Euclid Ave. Bay City, MI 48706
P: 989.684.6021

Office

Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 1:00 pm

Drive-Up

Monday - Thursday 8:30 am - 5:00 pm
Friday 8:00 am - 6:00 pm
Saturday 9:00 am - 1:00 pm
Sunday 10:00 am - 1:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Bay City - Washington Ave. | Independent Bank

Branch Location

Contact Information

A: 623 Washington Ave. Bay City, MI 48708
P: 989.892.3511

Office

Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm

Drive-Up

Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 6:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Belding | Independent Bank

Branch Location

Contact Information

A: 130 S. Bridge St. Belding, MI 48809
P: 616.794.0600

Office

Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm

Drive-Up

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:30 pm
Saturday 9:00 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Bellevue | Independent Bank

Branch Location

Contact Information

A: 204 W. Capital Ave. Bellevue, MI 49021
P: 269.763.9424

Office

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:30 pm
Saturday 9:00 am - 12:00 pm

Drive-Up

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:30 pm
Saturday 9:00 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Beverly Hills | Independent Bank

Branch Location

Contact Information

A: 32800 Southfield Road Beverly Hills, MI 48025
P: 248.647.5900

Office

Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm

Drive-Up

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Big Rapids | Independent Bank

Branch Location

Contact Information

A: 404 Perry Ave., Suite A Big Rapids, MI 49307
P: 231.796.5865

Office

Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm

Drive-Up

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:30 pm
Saturday 9:00 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Bloomfield Hills | Independent Bank

Branch Location

Contact Information

A: 4140 W. Maple Road Bloomfield Hills, MI 48301
P: 248.737.4242

Office

Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm

Drive-Up

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Brighton Loan Center | Independent Bank

Mortgage & Loan Center

Contact Information

A: 802 W. Grand River Ave. Brighton, MI 48116
P: 810.224.5880

Office

Monday - Friday 9:00 am - 5:00 pm

Services: Mortgage, Loans, No cash transactions

| Get Directions

Cadillac Mortgage Loan Center | Independent Bank

Mortgage & Loan Center

Contact Information

A: 201 N. Mitchell St., Suite 104 Cadillac, MI 49601
P: 231.942.7156

Office

Monday - Friday 9:00 am - 5:30 pm

Services: Mortgage, Loans, No cash transactions

| Get Directions

Caro | Independent Bank

Branch Location

Contact Information

A: 1111 W. Caro Road Caro, MI 48723
P: 989.673.5656

Office

Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm

Drive-Up

Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 6:00 pm
Saturday 8:30 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Carson City | Independent Bank

Branch Location

Contact Information

A: 323 W. Main St. Carson City, MI 48811
P: 989.584.3118

Office

Monday - Wednesday 9:00 am - 4:30 pm
Thursday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm

Drive-Up

Monday - Wednesday 9:00 am - 4:30 pm
Thursday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Caseville | Independent Bank

Branch Location

Contact Information

A: 6727 Main St. Caseville, MI 48725
P: 989.856.2225

Office

Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm

Drive-Up

Monday - Friday 8:30 am - 5:00 pm
Saturday 9:00 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Cass City | Independent Bank

Branch Location

Contact Information

A: 6241 Main St. Cass City, MI 48726
P: 989.872.2105

Office

Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:30 pm
Saturday 9:00 am - 12:00 pm

Drive-Up

Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 6:00 pm
Saturday 8:30 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Cedar Springs | Independent Bank

Branch Location

Contact Information

A: 4115 17 Mile Road Cedar Springs, MI 49319
P: 616.696.0050

Office

Monday - Wednesday 9:00 am - 5:00 pm
Thursday - Friday 9:00 am - 5:30 pm
Saturday 9:00 am - 12:00 pm

Drive-Up

Monday - Wednesday 8:30 am - 5:00 pm
Thursday 8:30 am - 7:00 pm
Friday 8:30 am - 5:30 pm
Saturday 8:30 am - 1:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Charlotte | Independent Bank

Branch Location

Contact Information

A: 129 Lansing St. Charlotte, MI 48813
P: 517.543.4994

Office

Monday - Friday 8:00 am - 6:00 pm
Saturday 9:00 am - 1:00 pm

Drive-Up

Monday - Friday 8:00 am - 6:00 pm
Saturday 9:00 am - 1:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Clio | Independent Bank

Branch Location

Contact Information

A: 3500 W. Vienna Road Clio, MI 48420
P: 810.687.6710

Office

Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm

Drive-Up

Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 6:00 pm
Saturday 9:00 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Columbus Mortgage Loan Center | Independent Bank

Mortgage & Loan Center

Contact Information

A: 8760 Orion Place, Suite 204 Columbus, OH 43240
P: 614.907.7243

Office

Monday - Friday 9:00 am - 5:00 pm

Services: Mortgage, Loans, No cash transactions

| Get Directions

Croton - Hardy ATM | Independent Bank

ATM Only

Contact Information

A: 7389 Croton Hardy Dr. Newaygo, MI 49337

24 Hour ATM Service

Services: Talking ATMs, ATM Only

| Get Directions

Dearborn Mortgage Loan Center | Independent Bank

Mortgage & Loan Center

Contact Information

A: 16030 Michigan Ave., Suite 210 Dearborn, MI 48126
P: 313.446.8670

Office

Monday - Friday 9:00 am - 5:00 pm

Services: Mortgage, Loans, No cash transactions

| Get Directions

East Lansing | Independent Bank

Branch Location

Contact Information

A: 1380 W. Lake Lansing Road East Lansing, MI 48823
P: 517.203.3800

Office

Monday - Thursday 9:00 am - 6:00 pm
Friday 9:00 am - 7:00 pm
Saturday 9:00 am - 2:00 pm

Drive-Up

Monday - Thursday 9:00 am - 6:00 pm
Friday 9:00 am - 7:00 pm
Saturday 9:00 am - 2:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

East Lansing - West Road Loan Center | Independent Bank

Mortgage & Loan Center

Contact Information

A: 2900 West Road East Lansing, MI 48823
P: 517.324.7400

Office

Monday - Friday 9:00 am - 5:00 pm

Services: Mortgage, Loans, No cash transactions

| Get Directions

Eaton Rapids | Independent Bank

Branch Location

Contact Information

A: 2461 S. Michigan Road Eaton Rapids, MI 48827
P: 517.663.4108

Office

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:30 pm
Saturday 9:00 am - 12:00 pm

Drive-Up

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:30 pm
Saturday 9:00 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Essexville | Independent Bank

Branch Location

Contact Information

A: 1615 W. Center Ave. Essexville, MI 48732
P: 989.893.4563

Office

Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm

Drive-Up

Monday - Thursday 8:00 am - 5:00 pm
Friday 8:00 am - 6:00 pm
Saturday 9:00 am - 1:00 pm
Sunday 10:00 am - 1:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Farmington Hills | Independent Bank

Branch Location

Contact Information

A: 32900 Middlebelt Road Farmington Hills, MI 48334
P: 248.539.4600

Office

Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm

Drive-Up

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Grand Rapids - Cascade | Independent Bank

Branch Location

Contact Information

A: 6750 Cascade Road SE Grand Rapids, MI 49546
P: 616.949.2189

Office

Monday - Wednesday 9:00 am - 5:00 pm
Thursday - Friday 9:00 am - 5:30 pm
Saturday 9:00 am - 12:00 pm

Drive-Up

Monday - Wednesday 9:00 am - 5:00 pm
Thursday - Friday 9:00 am - 5:30 pm
Saturday 9:00 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Grand Rapids - Commercial Loan Center | Independent Bank

Mortgage & Loan Center

Contact Information

A: 77 Monroe Center Ave. NW, Suite 1200 Grand Rapids, MI 49503
P: 616.458.7045

Office

Monday - Friday 8:30 am - 5:00 pm

Services: Mortgage, Loans, No cash transactions

| Get Directions

Grand Rapids - Comstock Park | Independent Bank

Branch Location

Contact Information

A: 3800 Alpine Ave. NW Comstock Park, MI 49321
P: 616.784.6654

Office

Monday - Wednesday 9:00 am - 5:00 pm
Thursday - Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 12:00 pm

Drive-Up

Monday - Wednesday 9:00 am - 5:00 pm
Thursday - Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Grand Rapids - East Beltline | Independent Bank

Branch Location

Contact Information

A: 4200 E. Beltline Grand Rapids, MI 49525
P: 616.363.1207

Office

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:30 pm

Drive-Up

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:30 pm
Saturday 9:00 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Grand Rapids - Monroe Center | Independent Bank

Branch Location

Contact Information

A: 77 Monroe Center NW Grand Rapids, MI 49503
P: 616.458.7045

Office

Monday - Friday 9:00 am - 5:00 pm

Services: Talking ATMs, Customer Service Representative/Teller

| Get Directions

Grand Rapids - Plainfield | Independent Bank

Branch Location

Contact Information

A: 3090 Plainfield NE Grand Rapids, MI 49505
P: 616.447.0900

Office

Monday - Wednesday 9:00 am - 5:00 pm
Thursday - Friday 9:00 am - 5:30 pm
Saturday 9:00 am - 12:00 pm

Drive-Up

Monday - Wednesday 9:00 am - 5:00 pm
Thursday - Friday 9:00 am - 5:30 pm
Saturday 9:00 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Grand Rapids - Standale | Independent Bank

Branch Location

Contact Information

A: 4525 Lake Michigan Dr. Walker, MI 49534
P: 616.735.2293

Office

Monday - Thursday 9:00 am - 6:00 pm
Friday 9:00 am - 7:00 pm
Saturday 9:00 am - 2:00 pm

Drive-Up

Monday - Thursday 9:00 am - 6:00 pm
Friday 9:00 am - 7:00 pm
Saturday 9:00 am - 2:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Grosse Pointe Woods Mortgage Loan Center | Independent Bank

Mortgage & Loan Center

Contact Information

A: 20902 Mack Ave., Suite 210 Grosse Pointe Woods, MI 48236
P: 313.626.2626

Office

Monday - Friday 9:00 am - 5:00 pm

Services: Mortgage, Loans, No cash transactions

| Get Directions

Howard City | Independent Bank

Branch Location

Contact Information

A: 720 W. Shaw Howard City, MI 49329
P: 231.937.4374

Office

Monday - Thursday 9:00 am - 4:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm

Drive-Up

Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Ionia - Main | Independent Bank

Branch Location

Contact Information

A: 230 W. Main St. Ionia, MI 48846
P: 616.527.2400

Office

Monday - Friday 9:00 am - 4:30 pm

Services: Customer Service Representative/Teller

| Get Directions

Ionia - Point | Independent Bank

Branch Location

Contact Information

A: 450 S. Dexter St. Ionia, MI 48846
P: 616.527.7500

Office

Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm

Drive-Up

Monday - Friday 8:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Ionia - South | Independent Bank

Branch Location

Contact Information

A: 2551 S. State St. Ionia, MI 48846
P: 616.527.6760

Drive-Up

Monday - Friday 9:30 am - 6:00 pm
Saturday 9:30 am - 2:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Kalamazoo Mortgage Loan Center | Independent Bank

Mortgage & Loan Center

Contact Information

A: 1090 N. 10th St., Suite 210 Kalamazoo, MI 49009
P: 269.569.7237

Office

Monday - Friday 8:00 am - 5:00 pm

Services: Mortgage, Loans, No cash transactions

| Get Directions

Kingston ATM | Independent Bank

ATM Only

Contact Information

A: 5854 State St. Kingston, MI 48741

24 Hour ATM Service

Services: Talking ATMs, ATM Only

| Get Directions

Lapeer | Independent Bank

Branch Location

Contact Information

A: 1985 W. Genesee St. Lapeer, MI 48446
P: 810.245.8908

Office

Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm

Drive-Up

Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 6:00 pm
Saturday 8:30 am - 1:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Leslie | Independent Bank

Branch Location

Contact Information

A: 144 S. Main St. Leslie, MI 49251
P: 517.589.8222

Office

Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm

Drive-Up

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Livonia | Independent Bank

Branch Location

Contact Information

A: 37601 W. Five Mile Road Livonia, MI 48154
P: 734.591.4400

Office

Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm

Drive-Up

Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 6:00 pm
Saturday 9:00 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Marlette | Independent Bank

Branch Location

Contact Information

A: 2593 S. Van Dyke Marlette, MI 48453
P: 989.635.3541

Office

Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm

Drive-Up

Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 6:00 pm
Saturday 8:30 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Mason | Independent Bank

Branch Location

Contact Information

A: 190 W. Kipp Road Mason, MI 48854
P: 517.244.9361

Office

Monday - Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 2:00 pm

Drive-Up

Monday - Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 2:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Midland Mortgage Loan Center | Independent Bank

Mortgage & Loan Center

Contact Information

A: 409 Ashman St. Midland, MI 48640
P: 989.486.6215

Office

By appointment only

Services: Mortgage, Loans, No cash transactions

| Get Directions

Mt. Pleasant | Independent Bank

Branch Location

Contact Information

A: 319 E. Broadway Mt. Pleasant, MI 48858
P: 989.772.9405

Office

Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm

Drive-Up

Monday - Thursday 9:00 am - 5:00 pm
Friday 8:30 am - 6:00 pm
Saturday 9:00 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Mt. Pleasant - CMU Library ATM | Independent Bank

ATM Only

Contact Information

A: 300 E. Preston Mt. Pleasant, MI 48858

24 Hour ATM Service

Services: ATMs, ATM Only

| Get Directions

Mt. Pleasant - CMU Towers ATM | Independent Bank

ATM Only

Contact Information

A: 202 W. Broomfield St. Mt. Pleasant, MI 48858

24 Hour ATM Service

Services: ATMs, ATM Only

| Get Directions

Mt. Pleasant - CMU Woldt Computer Lab ATM | Independent Bank

ATM Only

Contact Information

A: 400 E. Ojibwa Mt. Pleasant, MI 48858

24 Hour ATM Service

Services: ATMs, ATM Only

| Get Directions

Mt. Pleasant - Mission Street | Independent Bank

ATM Only

Contact Information

A: 1801 S. Mission St. Mt. Pleasant, MI 48858

24 Hour ATM Service

Services: ATMs, ATM Only

| Get Directions

Mt. Pleasant CMU - Bovee University Center | Independent Bank

Branch Location

Contact Information

A: 103 E. Preston St. Mt. Pleasant, MI 48859
P: 989.774.1078

Office

Monday - Friday 9:00 am - 5:00 pm

Services: Talking ATMs, Customer Service Representative/Teller

| Get Directions

Muskegon | Independent Bank

Branch Location

Contact Information

A: 3251 Henry St. Muskegon, MI 49441
P: 231.830.3999

Office

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:30 pm
Saturday 9:00 am - 12:00 pm

Drive-Up

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:30 pm
Saturday 9:00 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Newaygo | Independent Bank

Branch Location

Contact Information

A: 41 N. State Rd. Newaygo, MI 49337
P: 231.652.1665

Office

Monday - Thursday 9:00 am - 4:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm

Drive-Up

Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 5:30 pm
Saturday 8:30 am - 12:00 pm

Services: ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Newaygo - River Valley ATM | Independent Bank

ATM Only

Contact Information

A: 199 W. River Valley Newaygo, MI 49337

24 Hour ATM Service

Services: ATMs, ATM Only

| Get Directions

North Branch | Independent Bank

Branch Location

Contact Information

A: 4046 Huron St. North Branch, MI 48461
P: 810.688.3051

Office

Monday - Thursday 9:00 am - 4:00 pm
Friday 9:00 am - 5:00 pm

Services: Customer Service Representative/Teller

| Get Directions

North Branch Drive-Up | Independent Bank

Drive Up ATM Only

Contact Information

A: 3765 Huron St. North Branch, MI 48461
P: 810.688.4727

Drive-Up

Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 6:00 pm
Saturday 8:30 am - 1:00 pm

Services: Talking ATMs, Drive-Up

| Get Directions

Okemos | Independent Bank

Branch Location

Contact Information

A: 2119 Hamilton Road Okemos, MI 48864
P: 517.381.0817

Office

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 1:00 pm

Drive-Up

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 1:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Olivet | Independent Bank

Branch Location

Contact Information

A: 112 S. Main St. Olivet, MI 49076
P: 269.749.2231

Office

Monday - Thursday 1:00 pm - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm

Drive-Up

Monday - Thursday 1:00 pm - 5:00 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm

Appointments available during closed hours by request: 269.749.2231

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Pigeon | Independent Bank

Branch Location

Contact Information

A: 75 S. Main St. Pigeon, MI 48755
P: 989.453.2900

Office

Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm

Drive-Up

Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Pinconning | Independent Bank

Branch Location

Contact Information

A: 408 Mable St. Pinconning, MI 48650
P: 989.879.2747

Office

Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm

Drive-Up

Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 6:00 pm
Saturday 9:00 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Pleasant Lake | Independent Bank

Branch Location

Contact Information

A: 11628 Bunkerhill Road Pleasant Lake, MI 49272
P: 517.769.2200

Office

Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm

Drive-Up

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Portland | Independent Bank

Branch Location

Contact Information

A: 1601 Grand River Ave. Portland, MI 48875
P: 517.647.7547

Office

Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 5:30 pm
Saturday 8:30 am - 12:00 pm

Drive-Up

Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 5:30 pm
Saturday 8:30 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Potterville | Independent Bank

Branch Location

Contact Information

A: 320 Vermontville Highway Potterville, MI 48876
P: 517.645.7607

Office

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:30 pm
Saturday 9:00 am - 12:00 pm

Drive-Up

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:30 pm
Saturday 9:00 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

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Rives Junction ATM | Independent Bank

ATM Only

Contact Information

A: 348 Main St. Rives Junction, MI 49277

24 Hour ATM Service

Services: ATMs, ATM Only

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Rockford | Independent Bank

Branch Location

Contact Information

A: 78 S. Main St. Rockford, MI 49341
P: 616.866.4471

Office

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:30 pm
Saturday 9:00 am - 1:00 pm

Drive-Up

Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 5:30 pm
Saturday 8:30 am - 1:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

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Saginaw - Center | Independent Bank

Branch Location

Contact Information

A: 1445 N. Center Road Saginaw, MI 48638
P: 989.799.1673

Office

Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm

Drive-Up

Monday - Thursday 9:00 am - 5:30 pm
Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 1:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Saginaw - Dixie Hwy | Independent Bank

Branch Location

Contact Information

A: 5500 Dixie Highway Saginaw, MI 48601
P: 989.777.1661

Office

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 12:00 pm

Drive-Up

Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 6:00 pm Saturday 9:00 am - 1:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Saginaw - Fashion Square Mall | Independent Bank

Branch Location

Contact Information

A: 4850 Bay Road Saginaw, MI 48604
P: 989.799.0070

Office

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 12:00 pm

Drive-Up

Monday - Thursday 9:00 am - 6:00 pm
Friday 9:00 am - 7:00 pm
Saturday 9:00 am - 2:00 pm
Sunday 10:00 am - 1:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Saginaw - State St. | Independent Bank

Branch Location

Contact Information

A: 3601 State St. Saginaw, MI 48602
P: 989.799.0720

Office

Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm

Drive-Up

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 1:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Saginaw - SVSU | Independent Bank

Branch Location

Contact Information

A: 7400 Bay Road University Center, MI 48710
P: 989.797.4634

Office

Monday - Friday 9:00 am - 5:00 pm

Services: Talking ATMs, Customer Service Representative/Teller

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Saginaw - SVSU Curtis Hall ATM | Independent Bank

ATM Only

Contact Information

A: 7400 Bay Road University Center, MI 48710

24 Hour ATM Service

Services: Talking ATMs, ATM Only

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Sand Lake | Independent Bank

Branch Location

Contact Information

A: 5 Third St. SE Sand Lake, MI 49343
P: 616.636.8881

Office

Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm

Drive-Up

Monday - Friday 8:30 am - 5:00 pm
Saturday 8:30 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Saranac | Independent Bank

Branch Location

Contact Information

A: 29 Church Street Saranac, MI 48881
P: 616.642.9406

Office

Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm

Drive-Up

Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Sebewaing | Independent Bank

Branch Location

Contact Information

A: 8880 Unionville Road Sebewaing, MI 48759
P: 989.883.3310

Office

Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 12:00 pm

Drive-Up

Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 6:00 pm
Saturday 9:00 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Shelby Township | Independent Bank

Branch Location

Contact Information

A: 49785 Van Dyke Ave. Shelby Township, MI 48317
P: 586.731.6130

Office

Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm

Drive-Up

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

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Sparta | Independent Bank

Branch Location

Contact Information

A: 525 S. State St. Sparta, MI 49345
P: 616.887.8277

Office

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:30 pm
Saturday 9:00 am - 12:00 pm

Drive-Up

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:30 pm
Saturday 9:00 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Standish | Independent Bank

Branch Location

Contact Information

A: 209 S. Main St. Standish, MI 48658
P: 989.846.4595

Office

Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm

Drive-Up

Monday - Thursday 8:30 am - 5:00 pm
Friday 8:30 am - 6:00 pm
Saturday 9:00 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Suttons Bay | Independent Bank

Branch Location

Contact Information

A: 93 W. Fourth St., Suite D Suttons Bay, MI 49682
P: 231.995.5565

Office

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:30 pm

Drive-Up

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:30 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Traverse City - Copper Ridge | Independent Bank

Branch Location

Contact Information

A: 4011 Eastern Sky Dr. Traverse City, MI 49684
P: 231.995.5540

Office

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:30 pm

Drive-Up

Monday - Friday 9:00 am - 5:30 pm
Saturday 9:00 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Traverse City - Downtown | Independent Bank

Branch Location

Contact Information

A: 333 W. Grandview Parkway Traverse City, MI 49684
P: 231.995.5508

Office

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:30 pm

Services: Talking ATMs, Customer Service Representative/Teller

| Get Directions

Traverse City - Garfield | Independent Bank

Branch Location

Contact Information

A: 1239 S. Garfield Traverse City, MI 49684
P: 231.995.5575

Office

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 5:30 pm

Drive-Up

Monday - Friday 9:00 am - 5:30 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Troy - Columbia Center | Independent Bank

Branch Location

Contact Information

A: 201 W. Big Beaver Road Troy, MI 48084
P: 248.689.1200

Office

Monday - Friday 9:00 am - 4:30 pm

Drive-Up

Monday - Friday 9:00 am - 5:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Troy - North | Independent Bank

Branch Location

Contact Information

A: 5950 Rochester Road Troy, MI 48085
P: 248.828.3737

Office

Monday - Thursday 9:00 am - 4:30 pm
Friday 9:00 am - 5:00 pm

Drive-Up

Monday - Friday 9:00 am - 5:00 pm
Saturday 9:00 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Troy Mortgage Loan Center | Independent Bank

Mortgage & Loan Center

Contact Information

A: 201 W. Big Beaver Rd., Suite 201 Troy, MI 48084
P: 248.918.5690

Office

Monday - Friday 9:00 am - 5:00 pm

Services: Mortgage, Loans, No cash transactions

| Get Directions

Unionville ATM | Independent Bank

ATM Only

Contact Information

A: 6586 Center St. Unionville, MI 48767

24 Hour ATM Service

Services: Talking ATMs, ATM Only

| Get Directions

Vermontville ATM | Independent Bank

ATM Only

Contact Information

A: 194 Main St. Vermontville, MI 49096

24 Hour ATM Service

Services: Talking ATMs, ATM Only

| Get Directions

White Cloud | Independent Bank

Branch Location

Contact Information

A: 1075 Wilcox Ave. White Cloud, MI 49349
P: 231.689.6608

Office

Monday - Friday 9:00 am - 4:00 pm

Drive-Up

Monday - Thursday 8:30 am - 4:30 pm
Friday 8:30 am - 5:00 pm
Saturday 8:30 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

Williamston | Independent Bank

Branch Location

Contact Information

A: 1245 E. Grand River Road Williamston, MI 48895
P: 517.655.2168

Office

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 12:00 pm

Drive-Up

Monday - Thursday 9:00 am - 5:00 pm
Friday 9:00 am - 6:00 pm
Saturday 9:00 am - 12:00 pm

Services: Talking ATMs, Drive-Up, Customer Service Representative/Teller

| Get Directions

	Service charge & minimum balance	Interest	FREE ATM card, Mobile app & text banking
Eagle Savings Account Our competitive interest rate makes saving easy.	NONE with a minimum daily balance of $300, combined account statements, or eStatements - OR - $12 / quarter service charge	Competitive Interest Rate	Included	Open an Account Now
Swift Savings Account Learn to save at an early age with our under-18 account.	NONE if primary account holder is under 18 - OR - $12 / quarter service charge	Competitive Interest Rate	Included	This account must be opened in a branch
Holiday Savers Account We’ll help you save throughout the year for holiday expenses. Make deposits in person or set up automatic transfers or deposits. Checks are mailed or deposited in October.	NONE if ending balance is at minimum $100 - OR - $12 service charge when we distribute your funds	Competitive Interest Rate	—	Open an Account Now
Money Market Account⁺ The more you save, the more you earn.	NONE with a minimum daily balance of $1,000 - OR - $12 / month service charge	Tiered interest rate based on account balance	Included	Open an Account Now
Excel Money Market⁺ Rates are adjusted weekly and vary according to balance.	NONE with a minimum daily balance of $10,000 - OR - $15 / month service charge	Tiered interest rate based on account balance	Included	Open an Account Now

Eagle Savings Account
Our competitive interest rate makes saving easy.

Service charge & minimum balance -

NONE

with a minimum daily balance of $300, combined account statements, or eStatements

- OR -

$12 / quarter service charge

Interest -

Competitive Interest Rate

FREE ATM card, Mobile app & text banking -

Included

Open an Account Now

Swift Savings Account
Learn to save at an early age with our under-18 account.

Service charge & minimum balance -

NONE

if primary account holder is under 18

- OR -

$12 / quarter service charge

Interest -

Competitive Interest Rate

FREE ATM card, Mobile app & text banking -

Included

This account must be opened in a branch

Holiday Savers Account
We’ll help you save throughout the year for holiday expenses. Make deposits in person or set up automatic transfers or deposits. Checks are mailed or deposited in October.

Service charge & minimum balance -

NONE

if ending balance is at minimum $100

- OR -

$12 service charge when we distribute your funds

Interest -

Competitive Interest Rate

FREE ATM card, Mobile app & text banking -

—

Open an Account Now

Money Market Account⁺
The more you save, the more you earn.

Service charge & minimum balance -

NONE

with a minimum daily balance of $1,000

- OR -

$12 / month service charge

Interest -

Tiered interest rate based on account balance

FREE ATM card, Mobile app & text banking -

Included

Open an Account Now

Excel Money Market⁺
Rates are adjusted weekly and vary according to balance.

Service charge & minimum balance -

NONE

with a minimum daily balance of $10,000

- OR -

$15 / month service charge

Interest - Tiered interest rate based on account balance

FREE ATM card, Mobile app & text banking -

Included

Open an Account Now

⁺Limited check writing privileges.

Swift Savings Account

Learning to save at an early age is important. Independent Bank’s eagle mascot, Swift, encourages young people under 18 to begin saving early. The account earns interest, plus there’s no minimum balance and no fees for children under 18.

Join the Swift Savers Kids Club!

We are making saving cool with an official club! All kids who open a Swift Savings account will receive a FREE coin booklet and Swift eagle plush toy.* Plus, once they fill the coin booklet with $5 worth of quarters, we will match their deposit into their savings account!** The coin booklet encourages kids to complete household chores, help take care of the yard, or help their parents to earn money.

All existing Swift Savings account holders, ages 4-12, will automatically be enrolled in the Swift Savers Kids Club. Stay tuned for more fun to be added to the club!

*The Swift eagle plush toys are available with accounts opened between April 1 and July 31, 2019, or while supplies last.

**Deposit is made when coin booklet is brought back full. Only valid on new accounts; each account eligible for one $5 deposit match. Account must be opened in-person at an office to receive plush Swift eagle and coin booklet.

Other Savings Options

Health Savings Account (HSA)

A health savings account (HSA) is a special account owned by an individual. It is similar to an individual retirement account (IRA) except that the funds are used to pay for current and future health care costs on a tax-free** basis. The HSA is used in combination with a high deductible health insurance plan (HDHP).

Interest-bearing account
Funds are permanent and portable
Independent Bank debit card allows for convenient access to funds
If your HSA balance is greater than $2,500, you can invest a portion of your HSA dollars into mutual funds through a brokerage account, call IB Wealth Management at 800.300.0459 for additional information

Open an Account Now

**Consult your tax advisor for details.

Certificate of Deposit (CD)

We offer a variety of rates and terms on CDs.

Invest your money for a length of time that is appropriate for you
Interest rate is guaranteed for the term of your certificate
A CD can be opened with just $500

Open an Account Now

Click here to review a complete list of account disclosures and terms and conditions regarding opening an account online.

Individual Retirement Account (IRA)

Start planning for your retirement today.

Traditional and Roth IRAs (fixed or contributory)
The interest you earn may be tax deferred**
Your contribution may be tax deductible**
Choose your own investment and term

**Consult your tax advisor for details.

Free Change it up Savings Programs

Any personal checking account with a debit card attached⁺⁺ allows you to start saving by transferring money to a qualifying account⁺⁺⁺ with every swipe^{^^} of your card. It's an easy way to save, and it's easy to sign up at any location or through our secure online banking email.

Choose accounts to transfer to and from. The designated sending account must be a personal checking account and the receiving account can be any Independent Bank savings or checking account – it could be yours, your grandchild's, or even a non-profit's.
Choose an amount to transfer with each swipe – $.25, $.50, $1, or $2 – watch the savings add up!

Terms & Conditions

⁺⁺If an enrolled checking account has multiple debit cards, all qualifying transactions from those cards will initiate transfers to the receiving account.

⁺⁺⁺The receiving account could be an Independent Bank savings account, child's or grandchild's savings account, a Holiday Savers account, or even a non-profit account.

^{^^}Qualifying debit card transactions include both signature and PIN-based transactions, including online purchases and automatic or recurring bill payments paid with your Independent Bank debit card. ATM transactions do not qualify.

Choose the Account That's Right for You!

Learn more about our Personal Checking accounts, including our Free Checking account and competitive interest options.

Note: Please refer to our schedule of services and fees for complete information. Some restrictions apply.

U.S. Savings Bonds

Paper savings bonds are no longer being sold at financial institutions, but electronic savings bonds can be purchased online through TreasuryDirect.

Already have paper savings bonds?

Existing paper bonds are still valid and will earn interest for 30 years from the issue date or until redeemed. You can continue to cash savings bonds at Independent Bank.

With TreasuryDirect, you can safely and securely buy, manage, and redeem electronic savings bonds

• Convert paper savings bonds to electronic
• Purchase electronic savings bonds as gifts
• Purchase other Treasury securities, including bills, notes, bonds, and TIPS (Treasury Inflation-Protected Securities)

Health Savings Account Questions

What is a Health Savings Account?

A Health Savings Account (HSA) is a tax-exempt trust or custodial account you set up with a ...

A Health Savings Account (HSA) is a tax-exempt trust or custodial account you set up with a qualified HSA trustee to pay or reimburse certain medical expenses you incur. You must be an eligible individual to qualify for an HSA.

What are the benefits of an HSA?

You can claim a tax deduction for contributions you, or someone other than your employer, make to ...

You can claim a tax deduction for contributions you, or someone other than your employer, make to your HSA even if you don’t itemize your deductions on Schedule A (Form 1040). Contributions to your HSA made by your employer (including contributions made through a cafeteria plan) may be excluded from your gross income. The contributions remain in your account until you use them. The interest or other earnings on the assets in the account are tax free. Distributions may be tax free if you pay qualified medical expenses. An HSA is “portable.” It stays with you if you change employers or leave the

How do I qualify for an HSA?

To be an eligible individual and qualify for an HSA, you must meet the following requirements. You ...

To be an eligible individual and qualify for an HSA, you must meet the following requirements. You are covered under a high deductible health plan (HDHP), on the first day of the month. You have no other health coverage except what is permitted under ‘Other Health Coverage’ in IRS Publication 969. You are not enrolled in Medicare. You cannot be claimed as a dependent on someone else's tax return.

What is a High Deductible Health Plan (HDHP)?

A High Deductible Health Plan (HDHP) may provide preventive care benefits without a deductible or ...

A High Deductible Health Plan (HDHP) may provide preventive care benefits without a deductible or with a deductible less than the minimum annual deductible. Minimum and maximum annual deductible amounts can be found in IRS Publication 969 under ‘High Deductible Health Plan (HDHP)’.

What is an Individual Plan?

Self-only HDHP coverage is an HDHP covering only an eligible individual.

What is a Family Plan?

Family HDHP coverage is an HDHP covering an eligible individual and at least one other individual (whether or not that individual is an eligible individual).

How many beneficiaries should I designate?

You should choose a beneficiary when you set up your HSA. What happens to that HSA when you die ...

You should choose a beneficiary when you set up your HSA. What happens to that HSA when you die depends on whom you designate as the beneficiary. Your HSA agent (the person you may authorize to transact business on your behalf) DOES NOT inherit the account, only the named beneficiaries will receive their percentage of distribution

What is the percentage of distribution?

If beneficiaries are named you must designate a percentage of distribution to all HSA beneficiaries. The percentage of distribution for all beneficiaries must total 100%.

What is the difference between a primary and a contingent beneficiary?

A primary beneficiary receives account assets in the event of your death. A contingent beneficiary receives account assets only when all primary beneficiaries predecease you.

What is an Authorized Agent?

An Authorized Agent, if you choose to name one, is the one individual other than yourself authorized to perform transactions on your HSA.

Under what circumstances will my contingent beneficiaries receive my HSA assets?

A contingent beneficiary receives account assets in the event of your death only when all primary beneficiaries predecease you.

What is a rollover?

Generally, a rollover is a tax-free distribution to you from one Health Savings Account that you ...

Generally, a rollover is a tax-free distribution to you from one Health Savings Account that you contribute to another Health Savings Account. The contribution to the second account is called a “rollover contribution.” A rollover contribution isn’t included in your income, isn’t deductible, and doesn’t reduce your contribution limit. You must roll over the amount within 60 calendar days after the date of receipt. You can make only one rollover contribution to an HSA during a 1-year period.

What is a trustee transfer?

A transfer of funds in your HSA from one trustee directly to another, either at your request or at ...

A transfer of funds in your HSA from one trustee directly to another, either at your request or at the trustee's request, is not a rollover. This includes the situation where the current trustee issues a check to the new trustee but gives it to you to deposit. Because there is no distribution to you, the transfer is tax free. Because it is not a rollover, it is not affected by the 1-year waiting period required between rollovers. There is no limit on the number of these transfers. Don’t include the amount transferred in income, deduct it as a contribution, nor include it as a distribution on Form 8889.

Which contribution tax year should I choose?

Current Year is a deposit made in the year for that tax year. Previous Year is a deposit made ...

Current Year is a deposit made in the year for that tax year. Previous Year is a deposit made between January 1st and the tax deadline o the current year however funds are allocated to the previous tax year.

Where can I find additional information regarding Health Savings Accounts?

You can visit IRS Publication 969.

Where can I find additional information regarding Qualified Medical Expenses?

You can visit IRS Publication 502.

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