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.



For our marketing purposes—to offer our products and services to you.



For our joint marketing with other financial companies.



For our affiliates’ everyday business purposes—information about your transactions and experiences.



For our affiliates’ everyday business purposes—information about your creditworthiness.


We don’t share

For nonaffiliates to market to you.


We don’t share

To limit our sharing, call 800.355.0641 or visit us online.

Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.


Call 800.355.0641 or go to

Who we are:

Who is providing this notice? 
Independent Bank and its affiliates

What we do:

How does Independent Bank protect my personal information? 
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Independent Bank collect my personal information? 
We collect your personal information, for example, when you:

  • Open an account or deposit money
  • Provide income information or Apply for a loan
  • Provide employment history

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?
Federal law gives you the right to limit only:

  • Sharing for affiliates’ everyday business purposes—information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else? 
Your choices will apply to everyone on your account unless you tell us otherwise.


Companies related by common ownership or control. They can be financial or nonfinancial companies. 
Our affiliates include single-member real estate holding companies, special purpose trust entities, Independent Bank Corporation, IB Insurance Services, Inc., Independent Title Services, Inc., and IB Wealth Management, Inc.

Companies not related by common ownership or control. They can be financial or nonfinancial companies. 
Independent Bank does not share with non affiliates so they can market to you.

Joint marketing 
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include merchant payment processor, credit card company, check printing company, and other financial product or service companies.