I like this bank, they are right around the corner from my house. It's convenient and the tellers pretty much recognize everyone on sight. I don't like that a lot of times your deposits are not on available until the next day. I deposited my check one day and tried to pay a bill with my debit and it was saying I had noting in my account.

I've been aware for a long time now that banks can close accounts for variety of reasons, but this bank really takes the cake. Opened an account, they closed it down a day or two later - before I did any transactions and before I could make my initial deposit. The reason? "Business Decision". Admitted it was nothing derogatory, but apparently felt it was time to randomly close down a random customer's account. Cannot fathom any reason why anyone would want to bank with these people. Stay away!

Independent Bank needs to revise their overdraft protection policy. The location in Standale is located near Grand Valley State University and has many first-time bankers and the worst policy for correcting errors on your account. You are only allowed until the end of THEIR business day to transfer funds or deposit funds into your account to avoid overdraft fees. Many peope are in class, take the bus, have unconventional working hours, etc...where they are unable to rectify any errors. In addition, the majority of their staff is helpful, but Vickie H. was extremely rude and unprofessional when my mom and I attempted to fix a situation in which they charged almost $200.00 in fees after I went through the ATM and transferred funds to cover a negative checking account balance and then deposited $60.00 into my savings account. She was unfamiliar with standard banking practices, lied to my face and over the phone and practiced extremely poor customer service. I would not recommend Independent Bank to anyone that has a life outside of watching their account!!