Bank Branches › Closed and merged banks › Michigan › Independent Bank East Michigan
What happened to Independent Bank East Michigan?
Independent Bank East Michigan in Troy, MI (earlier called The State Savings Bank of Unionville and 1 other name) merged into Independent Bank of Grand Rapids, MI on Sep 15, 2007. Independent Bank is open today.
The chain, step by step
From the day it opened to the bank at the end of the chain today. Each step is one entry in the FDIC's record.
- 1904The State Savings Bank of Unionville opens in Troy, MI
- Sep 1, 1981renamed American Home Bank
- Oct 8, 1993renamed Independent Bank East Michigan
- Sep 15, 2007MERGEDIndependent Bank East Michigan merged into Independent Bank of Grand Rapids, MI.FDIC certificate 12732 ends; its business continues under certificate 27811.
- TodayOPEN
Independent BankMain office Grand Rapids, MI · FDIC certificate 27811 · 59 offices in 1 state on June 30, 2026Every Independent Bank office → Website on file with the FDIC: www.independentbank.com
If you still have something from Independent Bank East Michigan
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Independent Bank East Michigan as lienholder, start with Independent Bank. In a merger the surviving bank takes over the other bank's loans, so it is the bank to ask for a recordable lien release; if the loan was sold along the way, it can tell you to whom.
The FDIC says it cannot process lien releases for banks that merged or were acquired without government assistance, which is what the record shows here.
Record the release with the same county office that recorded the original mortgage or deed of trust.
An old account, passbook or CD
Ask Independent Bank to search for the account under the name Independent Bank East Michigan. A passbook or certificate shows an account existed. It doesn't show the money is still there, and the OCC notes that federal rules require banks to keep most account records for five years.
Accounts nobody touches are eventually turned over to a state. The OCC puts the usual wait at three to five years with no activity, set by each state's law. Search the unclaimed-property program of the state of the owner's last known address on the bank's records, and any other state they lived in. It is free to search and to claim through a state's own site, and MissingMoney.com, an official site of the state administrators' association, searches most states at once.
A safe deposit box
Ask Independent Bank which branch now holds boxes from the Independent Bank East Michigan office you used. The OCC says a box with no activity for three to five years (the period is set by state statute) is likely treated as dormant, and its contents may be turned over to the state's unclaimed-property program.
Box contents are not covered by FDIC insurance.
Not sure this is your bank?
Many banks shared a name. Match the city and the years above against your paperwork, or search again with the town.
Credit unions were never FDIC-insured and are not in this record; the NCUA credit union lookup covers those. Banks that closed before about 1970 are not in the FDIC's list either.
One caution: banks also sell single branches. If the office you used was sold to a different bank along the way, the account went with the branch, not with this chain. The office list below shows which bank each office reports under now.
This page is drawn from FDIC records and federal guidance. It is not legal advice, and BankBranches is not a bank or a government office. More detail: lien releases · old passbooks and CDs · safe deposit boxes · unclaimed money.
Where the guidance comes from ▾
Its offices in the FDIC deposit reports
30 offices filed under this charter in some year from 1994 on. 14 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 201 W Big Beaver Rd, Ste 125Troy, MI | OpenIndependent Bank |
| 655 N Port Crescent StBad Axe, MI | OpenIndependent Bank |
| 49785 Van Dyke AveShelby Township, MI | OpenIndependent Bank |
| 1111 W Caro RdCaro, MI | OpenIndependent Bank |
| 32900 Middlebelt RdFarmington Hills, MI | OpenIndependent Bank |
| 37601 5 Mile RdLivonia, MI | OpenIndependent Bank |
| 8880 Unionville RdSebewaing, MI | OpenIndependent Bank |
| 32800 Southfield RdBeverly Hills, MI | OpenIndependent Bank |
| 3500 W Vienna RdClio, MI | OpenIndependent Bank |
| 4046 Huron StNorth Branch, MI | OpenIndependent Bank |
| 2593 S Van Dyke RdMarlette, MI | OpenIndependent Bank |
| 6727 Main StCaseville, MI | OpenIndependent Bank |
| 6241 Main StCass City, MI | OpenIndependent Bank |
| 3765 Huron StNorth Branch, MI | OpenIndependent Bank |
| 1504 Main StreetSnover, MI | No longer reported |
| 5854 State StreetKingston, MI | No longer reported |
| 6586 Center StreetUnionville, MI | No longer reported |
| 4761 State StreetGagetown, MI | No longer reported |
| 75 South Main StreetPigeon, MI | No longer reported |
| 4495 Garfield StreetUbly, MI | No longer reported |
| 305 East Huron AvenueBad Axe, MI | No longer reported |
| 47 North Main StreetElkton, MI | No longer reported |
| 25 West Kinde RoadKinde, MI | No longer reported |
| One West Main StreetSebewaing, MI | No longer reported |
| 1985 West Genesee StreetLapeer, MI | No longer reported |
| 4140 West Maple RoadBloomfield Hills, MI | No longer reported |
| 5950 Rochester RoadTroy, MI | No longer reported |
| 700 South Main StreetLapeer, MI | No longer reported |
| 4672 Marlette RoadClifford, MI | No longer reported |
| 2023 Gates StreetReese, MI | No longer reported |
Banks folded into Independent Bank East Michigan
3 banks merged directly into this charter.
| Bank | Ended |
|---|---|
| Midwest Guaranty BankTroy, MI | Jun 1, 2004 |
| The Kingston State BankKingston, MI | Apr 30, 1994 |
| Pioneer BankNorth Branch, MI | Mar 28, 1994 |
Source: FDIC BankFind institution and history records, read Nov 15, 2026. The FDIC's list covers banks that ended in about 1970 or later. Look up certificate 12732 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.