Banks in White Cloud, MI

Bank branch map: White Cloud

Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.

Short answer: 1 institution operates 1 location in White Cloud, according to the FDIC. 1 of them has coordinates on record and is on the map. ATMs and opening hours are not in the sources this page uses yet; each marker links to directions.

Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.

All banks in White Cloud

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: Independent Bank is the only bank with an office in White Cloud. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

Independent Bank 1 branch · main office Grand Rapids, MI Bank · 1

Independent Bank has 1 branch in White Cloud, 59 across Michigan and 59 nationwide. FDIC records list its main office in Grand Rapids, MI and show it operating since 1890. With $5.66 billion in total assets on June 30, 2026, it ranks No. 260 of 4,232 U.S. banks by total assets. The White Cloud Branch at 1075 E Wilcox Ave dates to 1910 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• White Cloud Branch

  1075 E Wilcox Ave, 49349

  Hours: see the bank's site
  DirectionsWebsite

Independent Bank: profile, branches and contacts

Banking in White Cloud: the local picture

Short answer: 1 bank runs 1 branch in White Cloud according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.

Independent Bank has its main office in Grand Rapids, MI, according to the FDIC.

The bank with the longest record here is Independent Bank, operating since 1890 according to the FDIC.

The one location here does not publish hours in the sources this page uses. Each branch links to the bank's own site.

Chase, Bank of America and other national banks

Which big national banks have branches in White Cloud, and where the nearest one is if they do not.

Short answer: No branches in White Cloud: Chase (nearest in Cedar Springs, 25 mi), Wells Fargo (nearest in Birmingham, 147 mi), Bank of America (nearest in Grand Rapids, 39 mi), PNC Bank (nearest in Big Rapids, 18 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in Fremont, 10 mi), Huntington (nearest in Fremont, 10 mi), Regions Bank, TD Bank, BMO.

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of White Cloud to the nearest branch in Michigan.

What your savings could earn

National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.

Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.

Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to White Cloud residents like anyone else.

Banks near White Cloud

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Newaygo (10 miles) and Fremont (11 miles). Big Rapids, 18 miles away, has the most banks nearby: 7.

Bank branch openings and closings in White Cloud

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in White Cloud between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Largest banks in White Cloud by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its White Cloud offices.

Short answer: Independent Bank is the largest bank with offices in White Cloud, with $5.66 billion in total assets on June 30, 2026, No. 260 among U.S. banks by total assets. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.

Banks in White Cloud: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.