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Routing Number: 072402652
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Earn Up to $350* with a New Checking Account

Open a new checking account and earn up to $350 when you receive $500 or more in direct deposits within the first 90 calendar days of account opening!

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Competitive Rates for Every Need

Discover Independent Bank’s latest rates and find the perfect solution for your financial goals.

What Our Customers Have to Say:

"I couldn't have asked for a better experience! Being a first-time homebuyer in an unfortunate situation had me scared beyond belief. Jeff was there every step of the way, and I am so glad that I had the opportunity to work with Independent and partner with Jeff for this process. He truly has your best interest at heart."
Caitlyn B.
Mortgage Customer
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"I couldn't have asked for a better experience! Being a first-time homebuyer in an unfortunate situation had me scared beyond belief. Jeff was there every step of the way, and I am so glad that I had the opportunity to work with Independent and partner with Jeff for this process. He truly has your best interest at heart."
"Wonderful people to work with. Very insightful, courteous, helpful. Answered all questions exactly the way I would want (not beating around the bush). Thank you, ladies. I look forward to working with you again in the future."
Robert R.
Consumer Lending Customer
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"Wonderful people to work with. Very insightful, courteous, helpful. Answered all questions exactly the way I would want (not beating around the bush). Thank you, ladies. I look forward to working with you again in the future."
"Since the time we started doing business with Independent Bank, our company has grown in every key metric. Being a trusted ally, a valued partner, and also involved in our annual strategic planning process has helped our business continue to thrive and grow year after year."
Mark Kimball
President & CEO, MOSS
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"Since the time we started doing business with Independent Bank, our company has grown in every key metric. Being a trusted ally, a valued partner, and also involved in our annual strategic planning process has helped our business continue to thrive and grow year after year."

Just a Few Things We're Proud of:

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One of World's Best Banks 2024

Forbes
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2025, Second Consecutive Year

Newsweek
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2025, Third Consecutive Year 

Great Place to Work®
Forbes Americas Best Bank

One of America's Best Banks 2025

Forbes
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Preferred Lender Status 

U.S. Small Business Admin (SBA)

Piper Sandler

Class of 2024 Piper Sandler Sm-All Star

Piper | Sandler
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One of Michigan's Best In State Banks 

Forbes 

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Community Bankers Cup 2024

Raymond James 

*Offer begins January 1, 2026 and is valid through March 31, 2027, and may be extended, modified, or discontinued at any time. Subject to 1099-INT reporting. To receive the $350 bonus, you must open a new ONE or Opportunity ONE Account and receive direct deposits totaling $500 or more within 90 calendar days of account opening. Limit one bonus per customer. Account must be in good standing to receive the bonus. Bonus will be paid out within 90 calendar days within meeting the requirements. Offer valid for new checking account customers only. Subject to standard account opening guidelines. See independentbank.com for details. ^ Annual Percentage Yield (APY). Rate based on monthly volume of debit card swipes. Rate subject to change without notice. Interest of 0.10% APY will be paid on balances over $10,000.01. If eStatements are not selected, a $3/month fee will be assessed for paper statements. Fee may reduce earnings. $10 minimum deposit is required for all accounts at account opening. Accounts are subject to standard account opening guidelines. Other fees and restrictions may apply. The total number of swipes is counted for each statement cycle. Member FDIC.​

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