Independent Bank

Founded as First National Bank of Ionia in 1864, Independent Bank has presence in Michigan where the company is headquartered in Ionia since its founding. The bank is a subsidiary of Independent Bank Corporation. Other subsidiaries of the holding company include Independent Bank East Michigan, Independent Bank West Michigan and Independent Bank South Michigan. The company has over 3.4 billion dollars in assets currently and is a public entity in which its stocks are traded in NASDAQ.

Independent Bank caters to personal and business banking. Its personal banking segment can provide checking and savings account. The bank can help in customizing the accounts that could fit to the different needs of individual clients.

Various checking account types can be provided by the bank for different kinds of customers. Whatever the account type, the bank customers can have the chance to use Visa check card from the bank and may even be entitled to rewards and gifts from the bank. Moreover, it may come with the opportunity for customers to freely access their accounts on e-banking sites of the bank.

On the other hand, the bank’s savings account product can provide customers, young or old, the opportunity to open savings account from the bank. This banking product can have various options for different kinds of people. Savings account types currently offered by the bank can include: Statement Savings Account; Minor Savings Account; Health Savings Account; Holiday Savers Account; Maxi Account and Liquid Asset Account. Clients can also open Certificates of Deposit account, Individual Retirement Account and Education Savings Account from the bank.

Meanwhile, the bank’s credit products can be availed for different borrowing needs. Independent Bank offers consumer loans and home mortgages. Its consumer loan products can cater to individuals who want the bank to help them in financing the acquisition of cars and recreational vehicles. Individuals can also acquire a loan from the bank for home improvements or for matriculation. The bank can offer loans for other personal needs of its customers.

Moreover, Independent Bank can offer its clients with various mortgage programs. These programs can include: conventional fixed rate loans; adjustable rate mortgages; Federal Housing Administration loans and construction and blanket loans. The bank can also provide home equity loan.

Meanwhile, different financial services can be provided by Independent Bank to business clients. The bank has come up with products that would assist business executives and owners in the management of business’ finances. The bank can extend banking account products as well as business lending services. It can also cater to financial planning services as well as investment assistance for business owners and managers.

Moreover, it could be possible for the business clients to avail of the business advantage services set out by Independent Bank. The services can comprise of: LockBox ervices; ImageNet; Investment Sweep; and Demand Deposit Sweep. Clients can also sign up for Visa Business check cards or Corporate Visa credit cards, Merchant Bankcard services and telephone banking available for 24 hours.

Moreover, Business Advantage Online can be included in the offer of Independent bank in its business banking segment. Clients who have signed up for accounts in the bank’s e-banking system could be entitled to advantageous features such as viewing of account balances and details, bills payment and research services.

Aside from online banking, the bank can also provide investment and insurance products and services. Through the bank’s affiliate Independent Financial and Insurance Services, clients can also acquire insurance products as well as investment services from the bank.

Independent Bank Michigan and its other offices in the state of Michigan can provide the mentioned financial services. It can also cater to other financial services aside from the aforementioned ones.