Estate planning at Independent Bank
How to protect 13 Independent Bank accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through Independent Bank's IB Wealth Management (a marketing name of Cetera Investment Services)
Customer Connection Hub
Phone800-355-0641
Toll-Free800-355-0641
Mailing Address
Independent Bank, 4200 East Beltline Ave NE, Grand Rapids, MI 49525
24-Hour Telephone Banking
Mortgage Department
TreasuryONE Support (Mon-Fri 8 AM - 5 PM ET)
Lost or Stolen Debit Card (24/7)
Lost or Stolen Credit Card (24/7)
WebsiteLearn more→
IB Wealth Management (a marketing name of Cetera Investment Services)
Phone800-300-0459
Emailibwealth@ibcp.com
Fax616-527-1190
Mailing Address
IB Wealth Management, 230 West Main Street, Ionia, MI 48846
WebsiteLearn more→
Customer Connection Hub
Phone800-355-0641
Mailing Address
Independent Bank, 4200 East Beltline Ave NE, Grand Rapids, MI 49525
Verified May 2026
Independent Bank has 13 accounts, each with different rules for what happens when the account holder dies. Of those, 9 can name a trust as beneficiary or be retitled into a trust. The right combination of beneficiary designations and trust ownership can keep the entire portfolio out of probate.
Account holders can update their beneficiary designations at Independent Bank in branch, by mail, and by phone. Accounts can also be retitled into a trust to keep them out of probate entirely.
There are two sides to estate planning at Independent Bank: setting things up while you're alive, and the process survivors follow after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 13 account types at Independent Bank.
View details →When someone dies
Death claim process
Contact Independent Bank's IB Wealth Management (a marketing name of Cetera Investment Services) to file a claim. 4-step process, 9 required documents, and contact information for survivors.
View details →Reach Independent Bank's IB Wealth Management (a marketing name of Cetera Investment Services) at 800-300-0459 for help with any of these procedures. Email inquiries can be sent to ibwealth@ibcp.com.
Independent Bank is not available nationwide. Estate planning procedures may vary by state, so confirm that your location is served before making account changes.
Frequently asked questions
Yes. Independent Bank opens trust accounts in-branch at any of its 60+ Michigan locations for checking, savings, money market, and CD products. Bring your Certification of Trust (or the relevant pages of the trust agreement showing trust name, trustees, and trustee powers), government-issued photo ID for each trustee, and the trust's EIN. Existing personal accounts may also be converted to trust ownership with the same documentation. Both revocable and irrevocable trusts are accepted. Call the Customer Connection Hub at 800-355-0641 first to identify the branch closest to you and confirm the appointment.
Sources
Data sourced from Independent Bank primary sources (18 pages reviewed). How we research.
Customer Connection Hub
Phone800-355-0641
Toll-Free800-355-0641
Mailing Address
Independent Bank, 4200 East Beltline Ave NE, Grand Rapids, MI 49525
24-Hour Telephone Banking
Mortgage Department
TreasuryONE Support (Mon-Fri 8 AM - 5 PM ET)
Lost or Stolen Debit Card (24/7)
Lost or Stolen Credit Card (24/7)
WebsiteLearn more→
IB Wealth Management (a marketing name of Cetera Investment Services)
Phone800-300-0459
Emailibwealth@ibcp.com
Fax616-527-1190
Mailing Address
IB Wealth Management, 230 West Main Street, Ionia, MI 48846
WebsiteLearn more→
Customer Connection Hub
Phone800-355-0641
Mailing Address
Independent Bank, 4200 East Beltline Ave NE, Grand Rapids, MI 49525
Verified May 2026
Estate planning articles
Learn how to protect your Independent Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
