Privacy & Security Policy

How does Independent Bank Protect your Personal Information?

Independent Bank makes your security a high priority and constantly monitors for fraudulent activity. We hope you’ll use our resources to learn about the many ways you can protect your privacy. You can also download Independent Bank’s Privacy Policy.

Independent Bank Online Privacy & Security Policy

We are committed to protecting the privacy of our online customers and website visitors. We protect your information online with the same care we utilize for all Independent Bank transactions. This Online Privacy & Security Policy explains what information about you we collect, and how we use and protect it in mobile and Internet interactions, including when you visit the Independent Bank website, use our Online Banking service, use our Mobile Banking service, receive our emails, interact with our advertisements on third-party websites, interact with our social media accounts, or use any other online services we offer that link to or reference this Policy (collectively, our "Online Services"). The target of our Online Services, marketing, and this Policy applies to customer relationships established in the United States. When using Independent Bank’s online chat feature, information and/or conversations may be recorded, transcribed, and retained for quality and training purposes.

For Zoom texting purposes - No mobile information will be shared with third parties/affiliates for marketing/promotional purposes except as permissible under Regulation P.

All communications may be recorded, stored, and monitored, including chat, phone, and video interactions. By entering information, submitting a request, or selecting an option, you consent to the terms outlined in the Privacy and Security Policy.

All financial companies need to share customers’ personal information to run their everyday business.

In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Independent Bank chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Independent Bank share?	Can you limit this sharing?
For our everyday business purposes—such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.	Yes	No
For our marketing purposes—to offer our products and services to you.	Yes	No
For our joint marketing with other financial companies.	Yes	Yes
For our affiliates’ everyday business purposes—information about your transactions and experiences.	Yes	No
For our affiliates’ everyday business purposes—information about your creditworthiness.	No	We don't share
For non-affiliates to market to you.	No	We don't share

Definitions

Affiliates

Companies under common ownership or control with Independent Bank, which can include financial and non-financial entities. Our affiliates include single-member real estate holding companies, special purpose trust entities, Independent Bank Corporation, Independent Title Services, Inc., Independent Investment Company, and IB Advisory Services, Inc.

Non-affiliates

Companies that are not related by ownership or control. Independent Bank does not share your information with non-affiliates for marketing purposes.

Joint marketing

This is a formal agreement between Independent Bank and non-affiliated financial companies to jointly market products or services to you. Our joint marketing partners include merchant payment processors, credit card companies, check printing companies, and other financial product and service providers.

Privacy & Security FAQs

Answers to Common Questions About Privacy & Security

How Does Independent Bank Protect My Personal Information?

Independent Bank prioritizes the security of your personal information. We follow federal guidelines to implement strict safeguards, including computer security measures and secure file and building access.

What Does Independent Bank Do With My Personal Information?

Financial companies may share personal information in various ways, and federal law offers consumers certain protections. Independent Bank is committed to responsible and compliant information sharing practices.

How Does Independent Bank Collect My Personal Information?

We collect your personal information in several ways, including: