Frequently Asked Questions


  1. Why is the Notice being provided?

    A court authorized the Notice because you have a right to know about a proposed settlement of this class action lawsuit and about all of your options before the Court decides whether to give “Final Approval” to the Settlement. The Notice explains the lawsuit, the Settlement, your legal rights, what benefits are available, who may be eligible for those benefits, and how to get them.

    Judge Muriel D. Hughes of the Circuit Court of Wayne County, Michigan is overseeing this class action. The Settlement resolves the case known as Glaske v. Independent Bank Corporation, Case No. 13-009983-CZ.

    The person who sued is called “Plaintiff,” and the company sued, Independent Bank, is called “Defendant.”

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  2. What is this lawsuit about?

    The lawsuit alleges that from February of 2009 until July of 2011 Independent Bank improperly assessed Overdraft Fees for insufficient funds on Debit Card purchases and/or ATM withdrawals by sequencing transactions in a high-to-low posting order, resulting in increased Overdraft Fees in some instances. Independent Bank denies all of Plaintiff’s claims and believes that it did nothing wrong.

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  3. Why is this a class action?

    In a class action, one or more people called “Class Representatives” (in this case, Linda Glaske) sue on behalf of individuals and entities (collectively, “People”) who have similar claims. All of these people are a “Settlement Class” or “Settlement Class Members.” One court resolves the issues for all class members, except for those who timely exclude themselves from the class.

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  4. Why is there a settlement?

    The Court did not decide in favor of Plaintiff or Defendant. Instead, both sides agreed to settle this case to avoid the cost and risk of a trial. The proposed Settlement does not mean that any law was broken or that the Defendant did anything wrong. Defendant denies all legal claims in this case. Plaintiff and her lawyers think the proposed Settlement is best for all Settlement Class Members.

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  5. How do I know if I am part of the Settlement?

    The Court decided that the Settlement Class means all Independent Bank customers in the United States who had one or more non-business Accounts and who, from July 31, 2007, through March 9, 2017, incurred an Overdraft Fee as a result of Independent Bank's Former Practice of Debit Card Transaction Sequencing. Each of these persons is a Settlement Class Member.

    If you received a notice via email or in the mail, Independent Bank’s records indicate that you are a Settlement Class Member.

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  6. What do “Account,” “Overdraft Fee,” “Debit Card,” “Debit Card Transaction,” and “Former Practice of Debit Card Transaction Sequencing” mean?

    Under the terms of the Settlement:

    • “Account” means any consumer checking, demand deposit, or savings account maintained by Independent Bank in the United States that may be accessed by a Debit Card.
    • “Overdraft Fee” means the fee assessed to a holder of an Account for each item paid when the Account has insufficient funds to cover the item. Fees charged to transfer balances from other accounts are excluded.
    • “Debit Card” means a card, sticker, tag, or other device issued or provided by Independent Bank, including a debit card or automated teller machine (“ATM”) card, that can be used to debit funds from an Account by Point of Sale and ATM transactions.
    • “Debit Card Transaction” means any debit transaction effectuated with a Debit Card, including Point of Sale transactions (whether pinned or pinless) and ATM transactions.
    • “Former Practice of Debit Card Transaction Sequencing” means Independent Bank’s practice from February of 2009 until July of 2011 of sequencing an Account’s Debit Card Transactions, along with other debit transactions, from highest to lowest dollar amount, which results in some instances in the assessment of Overdraft Fees that would not have been assessed if Independent Bank had used a different posting method. This term is synonymous with “High-to-low Debit Card Transaction Sequencing.

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  7. What if I am not sure whether I am included in the Settlement?

    If you are not sure whether you are in the Settlement Class, or have any other questions about the Settlement, refer to the Important Documents section of this website or call the toll-free number, 1-844-843-0201. You may also write with questions to Independent Bank Overdraft Settlement, P.O. Box 4230, Portland, OR 97208-4230, or send an email to info@IndependentBankOverdraftSettlement.com.

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  8. What does the Settlement provide?

    Independent Bank will pay $2,215,000.00 to a Settlement Fund to make payments or give account credits to eligible Settlement Class Members as well as to pay Class Counsel’s attorneys’ fees, costs, expenses, and a Service Award to the named Plaintiff.

    Automatic payments will be made to identifiable and eligible Settlement Class Members (see FAQ 10, FAQ 11, and FAQ 12).

    Independent Bank will also separately pay all costs associated with notice and administration of the Settlement.

    Details on all of the Settlement benefits are available in the Important Documents section of this website.

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  9. How will the amount of the payments be determined?

    Payments will be calculated using a formula outlined in Section X of the Settlement Agreement, which is available here or on request from the Settlement Administrator at 1-844-843-0201. The formula allocates a proportional share of the Net Settlement Fund to Settlement Class Members, based on the number of Overdraft Fees each incurred due to the Bank's Former Practice of Debit Card Transaction Sequencing.

    Settlement Class Members who are Current Account Holders of Independent Bank will receive their individual payment by a credit to their account.

    Settlement Class Members who are Past Account Holders of Independent Bank will receive their individual payment by mailed check.

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  10. How can I get a payment?

    If you received a notice via email or in the mail telling you that you are Settlement Class Member, you should have received an automatic payment now that the Settlement has been approved by the Court, provided you were eligible for a payment and you did not request exclusion from the Settlement (see FAQ 13, FAQ 14, and FAQ 15).

    If your address has changed from the last address you had on file with Independent Bank, please contact the Settlement Administrator to update your address at info@IndependentBankOverdraftSettlement.com or by writing to Independent Bank Overdraft Settlement, P.O. Box 4230, Portland, OR 97208-4230.

    If you did not receive a notice via email or in the mail and believe you are a Settlement Class Member, please contact the Settlement Administrator at info@IndependentBankOverdraftSettlement.com, by writing to Independent Bank Overdraft Settlement, P.O. Box 4230, Portland, OR 97208-4230, or by calling 1-844-843-0201.

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  11. When will I get my payment?

    Checks were mailed, and account credits were distributed, on March 9, 2018. The Court granted “Final Approval” to the Settlement on January 11, 2018 (see FAQ 20, FAQ 21, and FAQ 22). If you have not received your check by the end of April, please contact us at:

    Independent Bank Overdraft Settlement
    P.O. Box 4230
    Portland, OR 97208-4230

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  12. What am I giving up to get a payment?

    Now that the Settlement has become final, Settlement Class Members who did not timely request exclusion from the Settlement will be releasing Independent Bank from all of the claims described and identified in Section XIV of the Settlement Agreement. This means you are no longer be able to sue Independent Bank regarding any of the claims described in the Settlement Agreement.

    The Settlement Agreement provides more detail regarding the release and describes the released claims with specific descriptions in necessary, accurate legal terminology, so read it carefully. You can talk to the law firms representing the Settlement Class listed in the section “The Lawyers Representing You” for free, or you can, at your own expense, talk to your own lawyer if you have any questions about the released claims or what they mean.

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  13. If I exclude myself, can I get anything from this Settlement?

    No. If you exclude yourself, you will not receive any benefits under the Settlement and you cannot object to the proposed Settlement. If you ask to be excluded, however, you may sue or be part of a different lawsuit against the Defendant in the future. You will not be bound by anything that happens in this lawsuit.

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  14. If I do not exclude myself, can I sue later?

    Unless you exclude yourself, you give up the right to sue the Defendant for all of the claims that the proposed Settlement resolves. You must exclude yourself from this Settlement Class to start your own lawsuit.

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  15. How do I get out of the Settlement?

    To exclude yourself from the proposed Settlement, you must send a letter or other written document by mail saying that you want to be excluded from the settlement of Glaske v. Independent Bank Corporation, Wayne Circuit Court Case No. 13-009983-CZ. In addition, you must list the last four digits of the Account number(s) of your Independent Bank Account(s) linked to an Independent Bank Debit Card. Your exclusion request must also include, for each Account listed:

    1. The full names and current addresses of everyone whose name is on the Account;
    2. A statement that everyone whose name is on the Account satisfies the criteria set forth above to be a Settlement Class Member (see FAQ 5, FAQ 6, and FAQ 7);
    3. A statement of intention to exclude everyone whose name is on the Account from the Settlement Class; and
    4. The signature of everyone whose name is on the Account.

    Be sure to include your full name, address, signature, and date. You must mail your request for exclusion postmarked by December 11, 2017, to:

    Independent Bank Overdraft Exclusions
    P.O. Box 4230
    Portland, OR 97208-4230

    This is a firm deadline for requesting exclusion from the proposed Settlement. You cannot ask to be excluded on the phone, by email, or at this website.

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  16. Do I have a lawyer in the case?

    The Court appointed Webb, Klase & Lemond, LLC, and Fink + Associates Law as “Class Counsel” to represent you and other Settlement Class Members. You will not be charged for these lawyers. If you want to be represented by your own lawyer in this case, you may hire one at your own expense.

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  17. How will the lawyers be paid?

    Class Counsel has been awarded attorney’s fees of up to one third of the Settlement Fund ($738,333.00), along with payment of Class Counsel’s reasonable costs and expenses. The Court also granted a Service Award of $10,000.00 to the Class Representative Linda Glaske for her services on behalf of the Settlement Class. Payments approved by the Court will be made from the Settlement Fund.

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  18. How do I tell the Court if I do not like the Settlement?

    You can object to the Settlement if you do not like some part of it. You must give reasons why you think the Court should not approve the Settlement. To object, send a letter (as instructed below) saying that you object to the proposed Settlement. You must include:

    1. The name of the Action: Glaske v. Independent Bank Corporation, Wayne Circuit Court Case No. 13-009983-CZ;
    2. Your full name, address, and telephone number;
    3. An explanation of the basis upon which you claim to be a Settlement Class Member;
    4. All grounds for your objection, accompanied by any legal support for the objection known to you or your counsel;
    5. The number of times in which you have objected to a class action settlement within the five years preceding the date that you file the objection, the caption (name) of each case in which you have made such objection, and a copy of any orders related to or ruling upon your prior such objections that were issued by the trial and appellate courts in each listed case;
    6. The identity of all counsel who represent you, including any former or current counsel who may be entitled to compensation for any reason related to the objection to the Settlement or fee application;
    7. The number of times in which your counsel and/or counsel’s law firm have objected to a class action settlement within the five years preceding the date that you file the objection, the caption of each case in which the counsel or the firm has made such objection, and a copy of any orders related to or ruling upon counsel’s or the firm’s prior such objections that were issued by the trial and appellate courts in each listed case;
    8. Any and all agreements that relate to the objection or the process of objecting—whether written or verbal—between you or your counsel and any other person or entity;
    9. The identity of all counsel representing you who will appear at the Final Approval Hearing;
    10. A list of all persons who will be called to testify at the Final Approval Hearing in support of the objection;
    11. A statement confirming whether you intend to personally appear and/or testify at the Final Approval Hearing; and
    12. Your signature (an attorney’s signature is not sufficient).

    Mail the objection to each of the following addresses so that it is received no later than December 11, 2017. This is a firm deadline. Objections received after this date will not be recognized.

    Court Class Counsel Defendants’ Counsel
    Clerk of Circuit Court
    2 Woodward Avenue
    Room 711
    Detroit, MI 48226
    E. Adam Webb
    Matthew C. Klase
    Webb, Klase & Lemond, LLC
    1900 The Exchange, S.E.
    Suite 480
    Atlanta, GA 30339
    Jon M. Bylsma
    Varnum LLP
    Bridgewater Place
    P.O. Box 352
    Grand Rapids, MI 49501

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  19. What is the difference between objecting and asking to be excluded?

    Objecting is simply telling the Court that you do not like something about the Settlement. You can object only if you stay in the Settlement Class. Excluding yourself is telling the Court that you do not want to be part of the Settlement Class. If you exclude yourself, you cannot object to the Settlement, and you will not be eligible to apply for any benefits under the Settlement because the case no longer affects you.

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  20. When and where will the Court decide whether to approve the Settlement?

    The Court held a Final Approval Hearing at January 10, 2018, at 2:00 p.m., at the Wayne County Circuit Court, Courtroom 1401, 2 Woodward Avenue, Detroit, MI 48226. At the Final Approval Hearing, the Court considered the proposed Settlement fair, reasonable, and adequate. The Court awarded Class Counsel’s request for attorneys’ fees, costs and expenses, and a Service Award.

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  21. Do I have to come to the hearing?

    No. Class Counsel will answer any questions the Court may have. However, you are welcome to attend the hearing at your own expense. If you send in a written objection, you do not have to come to the Final Approval Hearing to talk about it. As long as you mailed your written objection on time, the Court may consider it. You may also pay your own lawyer to attend the Final Approval Hearing, but their attendance is not necessary.

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  22. May I speak at the hearing?

    Yes. You may ask for permission to speak at the Final Approval Hearing. To do so, no later than December 11, 2017 you must mail or file with the Court (Clerk of Circuit Court, 2 Woodward Avenue, Room 711, Detroit, MI 48226) your “Notice of Intention to Appear in Glaske v. Independent Bank Corporation Wayne Circuit Court Case No. 13-009983-CZ.” Be sure to include your name, address, telephone number, and signature. You must also mail your Notice of Intention to Appear to both Class Counsel and Defendant’s Counsel at the addresses listed in FAQ 18. You cannot speak at the hearing if you exclude yourself.

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  23. What happens if I do nothing?

    If you are a Settlement Class Member and received a notice via email or in the mail telling you that you will receive an automatic payment or account credit, you do not need to do anything in order to receive your payment or account credit (provided the Court approves the Settlement). If you did not receive a notice via email or in the mail telling you that you will receive an automatic payment or account credit and do nothing, you will not get a payment or account credit from this Settlement. In addition, unless you exclude yourself, you will not be able to start a lawsuit, continue with a lawsuit, or be part of any other lawsuit against the Defendant about the claims in this case, ever again.

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  24. How do I get more information?

    The Notice and this website summarizes the proposed Settlement. More details are in the Settlement Agreement. Both are available in the Important Documents section of this website. You also may write with questions to Independent Bank Overdraft Settlement, P.O. Box 4230, Portland, OR 97208-4230, send an email to info@IndependentBankOverdraftSettlement.com, or call 1-844-843-0201.

    PLEASE DO NOT CONTACT THE COURT, OR THE DEFENDANTS, INDEPENDENT BANK, ABOUT THE SETTLEMENT.

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  25. Why did I receive a Settlement Check or Account Credit?

    You received a Settlement Check or Account Credit because it was determined that you were part of the Settlement Class. The Settlement Class is defined as: all Independent Bank customers in the United States who had one or more non-business Accounts and who, from July 31, 2007, through March 9, 2017, incurred an Overdraft Fee as a result of Independent Bank's Former Practice of Debit Card Transaction Sequencing.

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  26. Why didn’t I receive a Settlement Check or Account Credit?

    If you did not receive a Settlement Check, it is most likely that you are not a Settlement Class Member and also did not receive a postcard notice. But, if you did not exclude yourself from the Class, and you fit the definition of a Class Member (see FAQ 25), then it is possible we do not have a current address for you.

    Please let us know by sending a letter to:

    Independent Bank Overdraft Settlement
    P.O. Box 4230
    Portland, OR 97208-4230

    If you did not receive an Account Credit, and you are a Settlement Class Member, it is most likely that you do not have an existing open account with Independent Bank, and will receive a Settlement Check instead.

    Settlement Class Members who are Current Account Holders of Independent Bank will receive their individual payment by a credit to their account.

    Settlement Class Members who are Past Account Holders of Independent Bank will receive their individual payment by mailed check.

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  27. Can I request a check instead of an account credit?

    No, it is not possible. It has already been pre-determined per the Settlement Agreement. Settlement Class Members who are Current Account Holders of Independent Bank will receive their individual payment by a credit to their account.

    Settlement Class Members who are Past Account Holders of Independent Bank will receive their individual payment by mailed check.

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  28. How do I negotiate my check that says “This check may not be cashed at a check cashing agency or money service business”?

    The Settlement check may be cashed, deposited, or otherwise negotiated at any bank or financial institution (like a credit union) that is not a check cashing agency or money servicing business. If you are unable to cash the check at a bank or other financial institution, you may request that a replacement check be issued to you without the restrictive ‘check cashing’ language.

    To receive a replacement check, you must return the original check to the Settlement Administrator, accompanied by a written request asking that a replacement check be issued and mailed to you without the restrictive ‘check cashing’ language at:

    Independent Bank Overdraft Settlement
    P.O. Box 4230
    Portland, OR 97208-4230

    If you cannot return the original check to the Settlement Administrator, then for security reasons your replacement check will be issued and mailed to you only after the original check passes its 180-day stale date.

    The deadline to request a check reissue is September 5, 2018.

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  29. Can you update my address and re-mail my check?

    To request a replacement check be mailed to you at an updated address, please mail a signed, written request, asking that a replacement check be reissued and mailed to you. Please also indicate your current and former mailing addresses. Mail your check with request to:

    Independent Bank Overdraft Settlement
    P.O. Box 4230
    Portland, OR 97208-4230

    If you cannot return the original check to the Settlement Administrator, then for security reasons your replacement check will be issued and mailed to you only after the original check passes its 180-day stale date.

    The deadline to request a check reissue is September 5, 2018.

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  30. Can you expedite my check reissue?

    Unfortunately, it is not possible to expedite a check reissue.

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  31. What is the deadline to request a check reissue?

    The deadline to request a check reissue is September 5, 2018.

    Please see the other applicable reissue FAQs to read about the procedure for requesting a check reissue.

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  32. How can I receive a new check if I lost mine or it got damaged?

    If your settlement check was damaged or lost, but is not yet stale, you may request that a replacement check be mailed to you. To do so, please return your damaged check to us with a signed, written request asking that a replacement check be issued and mailed to you. If the check is stale, only the signed, written request is required and not the check. Please mail your check and request to the Settlement Administrator at the following address:

    Independent Bank Overdraft Settlement
    P.O. Box 4230
    Portland, OR 97208-4230

    If you cannot return the original check to the Settlement Administrator, then for security reasons your replacement check will be issued and mailed to you only after the original check passes its 180-day stale date.

    The deadline to request a check reissue is September 5, 2018.

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  33. Can I have my check reissued under a new name (e.g. last name change or business is defunct)?

    First, please go to the bank or financial institution in which you are a current account holder, as they may negotiate the settlement check if documentation regarding the status of your name change is presented.

    If your bank or financial institution will not negotiate the check as-is, please return the original check to the Settlement Administrator at:

    Independent Bank Overdraft Settlement
    P.O. Box 4230
    Portland, OR 97208-4230

    Be sure to include a signed, written request asking that a replacement check be issued and mailed to you. Please include instructions for the name that should be included on the replacement check. You do not need to provide documentation for the name change.

    If you cannot return the original check to the Settlement Administrator, then for security reasons your replacement check will be issued and mailed to you only after the original check passes its 180-day stale date.

    The deadline to request a check reissue is September 5, 2018.

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  34. What do I do if the person on the check is incapacitated or deceased?

    First, please go to the financial institution at which you are a current account holder; your bank may cash or deposit the check if documentation is presented regarding the status of the account holder and your status as the beneficiary/executor.

    If your bank will not cash the check, please return the original check along with a letter, signed under penalty of perjury, declaring that you are lawfully designated to receive the funds on behalf of the deceased class member, to the Settlement Administrator at:

    Independent Bank Overdraft Settlement
    P.O. Box 4230
    Portland, OR 97208-4230

    The deadline to request a check reissue is September 5, 2018.

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  35. Can I negotiate a higher Settlement Award amount?

    No, all Settlement Award amounts are final. Payments were calculated using a formula outlined in Section X of the Settlement Agreement, which is available here. The formula allocated a proportional share of the Net Settlement Fund to Settlement Class Members, based on the number of Overdraft Fees each incurred due to the Bank's Former Practice of Debit Card Transaction Sequencing.

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Important Dates

  • July 31, 2007-March 9, 2017
    Class Period
  • December 11, 2017
    Deadline to Receive Objection
  • December 11, 2017
    Postmark Deadline to Exclude Yourself
  • January 10, 2018 at 2:00 p.m. EST
    Final Approval Hearing
  • January 11, 2018
    Court Enters Final Approval Order and Final Judgment
  • January 11, 2018
    Final Approval Granted
  • March 9, 2018
    Distribution of Account Credits
  • March 9, 2018
    Distribution of Check Payments