vs. U.S. typical range:LowerTypicalHigher
$4 above the national median$4.02 above the Michigan median
per month · Source
$3 below the national median$2.98 below the Michigan median
per month · Source
$5 above the national median$5 above the Michigan median
$7.50 above the national median$6.25 above the Michigan median
$4 above the national median$5 above the Michigan median
per item · Source
$1 above the national median$1 above the Michigan median
per day · Source
$2 above the national median$1.65 above the Michigan median
—
At the national medianAt the Michigan median
$5 above the national median$10 above the Michigan median
$5 above the national median$7 above the Michigan median
$2 above the national median$4 above the Michigan median
$2 above the national median$2 above the Michigan median
$6.50 above the national median$7 above the Michigan median
$217.50 above the national median$213.50 above the Michigan median
$20 below the national median$24 below the Michigan median
$50 above the national median$50 above the Michigan median
$5 above the national median$5 above the Michigan median
$5 below the national median$10 below the Michigan median
per month · Source
$137.50 above the national median$132.50 above the Michigan median
one time · Source
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Monthly fee | $10Within the typical range ($4–$10 nationally) | $4 above the national median$4.02 above the Michigan median | per month | — | Source |
| Service charge | $3Below the typical range ($4–$10 nationally) | $3 below the national median$2.98 below the Michigan median | per month | — | Source |
| Account inactivity fee | $10Within the typical range ($5–$10 nationally) | $5 above the national median$5 above the Michigan median | — | — | Source |
| Account Research (per hour, 1 hour minimum) | $25Within the typical range ($12–$25 nationally) | $7.50 above the national median$6.25 above the Michigan median | — | — | Source |
Overdraft & NSFVerified | |||||
| Overdraft or Returned Item fee (per item)+ | $34Above the typical range ($25–$33 nationally) | $4 above the national median$5 above the Michigan median | per item | — | Source |
| ^^ If your account balance remains overdrawn for longer than 5 business days, we will charge your account a daily overdr | $6 | ||||
ATM & CardVerified | |||||
| Foreign ATM transactions+ | $3.50Above the typical range ($1–$2.25 nationally) | $2 above the national median$1.65 above the Michigan median | — | — | Source |
| International transaction | 2%of the transaction | ||||
Wire TransfersVerified | |||||
| Wire transfers: Outgoing (customer) | $25Within the typical range ($20–$25 nationally) | At the national medianAt the Michigan median | — | — | Source |
| Wire transfers: Incoming (customer) | $15 | ||||
Check ServicesVerified | |||||
| Independent Bank checks - Non-Customers (over $50) | $10Above the typical range ($3–$6 nationally) | $5 above the national median$7 above the Michigan median | — | — | Source |
| Official check | $7 | ||||
Account ServicesVerified | |||||
| Drilled box fee^^^ | $262.50Above the typical range ($30–$70 nationally) | $217.50 above the national median$213.50 above the Michigan median | — | — | Source |
| Lost key fee | $25 | ||||
Lending FeesVerified | |||||
| Late payment fee (per month) | $15Within the typical range ($10–$25 nationally) | $5 below the national median$10 below the Michigan median | per month | — | Source |
Other FeesVerified | |||||
| Standard processing fee | $175Above the typical range ($25–$100 nationally) | $137.50 above the national median$132.50 above the Michigan median | one time | — | Source |
Fee change alerts
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Headline fees vs. national median
Overdraft
$34
Headline fees published
8 of 15
Published fees
19
Under review
0
Assets
$5.7B
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Financial Context
Financials as of Q2 2026 · FDIC call report
Total assets
$5.7B
Total deposits
$4.9B
Service charge income
$3.4M
Fee income ratio
5.4%
Return on assets
1.42%
Branches
59
Service charge income by quarter
Financial profile · Pro
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| $1 above the national median$1 above the Michigan median |
| per day |
| — |
| Source |
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| — |
| — |
| Source |
| $5 above the national median$10 above the Michigan median |
| — |
| — |
| Source |
| $2 above the national median$4 above the Michigan median |
| — |
| — |
| Source |
| Money Order | $4Above the typical range ($1.50–$3 nationally) | $2 above the national median$2 above the Michigan median | — | — | Source |
| Stop payment+ | $34Above the typical range ($20–$30 nationally) | $6.50 above the national median$7 above the Michigan median | — | — | Source |
| $20 below the national median$24 below the Michigan median |
| — |
| — |
| Source |
| Garnishment/Levies | $100Above the typical range ($30–$90 nationally) | $50 above the national median$50 above the Michigan median | — | — | Source |
| Verification of deposit (if requested for a non-IB loan) | $15Within the typical range ($5–$15 nationally) | $5 above the national median$5 above the Michigan median | — | — | Source |