How to name beneficiaries and fund a trust at Independent Bank
Covers 7 deposit, 2 retirement, and 4 lending accounts — beneficiaries must be updated in-branch
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
Preparing your Independent Bank accounts for estate transfer involves two primary strategies: designating beneficiaries on individual accounts and, where supported, retitling accounts into a revocable living trust. Both approaches bypass probate, but they work differently depending on the account type.
The transfer rules at Independent Bank vary across 13 accounts. Below is a breakdown of beneficiary options, trust funding, and which products support each method.
ONE AccountOpportunity ONEEagle SavingsSwift SavingsRelationship Money MarketCertificate of DepositHealth Savings Account (HSA)
1
Visit any Independent Bank branch in Michigan
2
Provide required information and documentation:
- Valid government-issued photo ID
- Full legal name, date of birth, and Social Security number for each beneficiary
3
Request to add or update POD beneficiary designations on your deposit accounts
4
Review and sign the updated beneficiary designation form
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Beneficiary changes on deposit accounts typically require an in-branch visit or signed form
- Trust beneficiary designations require the trust name, date of trust, and tax identification number
- IRA beneficiary changes may require spousal consent under Michigan law
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.
