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Privacy & Security

At Independent Bank, we're committed to safeguarding your privacy.

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.

 

Blog - Protect your Privacy

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 nonaffiliates to market to you.

No
We don't share

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.

Does Independent Bank share? -
Yes
Can you limit this sharing? -
No

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

Does Independent Bank share? -
Yes
Can you limit this sharing? -
No

For our joint marketing with other financial companies.

Does Independent Bank share? -
Yes
Can you limit this sharing? -
Yes

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

Does Independent Bank share? -
Yes
Can you limit this sharing? -
No

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

Does Independent Bank share? -
No
Can you limit this sharing? -
We don't share

For nonaffiliates to market to you.

Does Independent Bank share? -
No
Can you limit this sharing? -
We don't share

 

Definitions

Affiliates

Companies related by common ownership or control. They can be financial or non-financial 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.

Non-affiliates

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

Joint marketing

A formal agreement between non-affiliated 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.

Questions?
Or to limit our sharing, call 800.355.0641

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.

Frequently Asked Questions

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.
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.
What does Independent Bank do with my personal information?
Financial companies choose how they share your personal information. Federal law gives consumers ...

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do. The types of personal information we collect and share depend on the product or service you have with us. This information can include: 1. Social Security number and income, 2. Account balances and payment history, 3. Credit history and credit scores.

How does Independent Bank collect my personal information?
We collect your personal information, for example, when you: 1. Open an account or deposit money 2. ...
We collect your personal information, for example, when you:

1. Open an account or deposit money
2. Provide income information or apply for a loan
3. 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: 1. Sharing for affiliates’ everyday business ...
Federal law gives you the right to limit only:

1. Sharing for affiliates’ everyday business purposes—information about your creditworthiness
2. Affiliates from using your information to market to you
3. Sharing for non-affiliates 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.
Your choices will apply to everyone on your account unless you tell us otherwise.
Who is providing this notice?
Independent Bank and its affiliates.
Independent Bank and its affiliates.
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