<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:01a03496-a359-7b4c-b251-fe4965e6884c,g:d80660d1-29ca-4198-8865-037d8778cf1b-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://independentbank.com/role/Cover" xlink:type="simple" xlink:href="ibcp-20261027.xsd#Cover"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/Cover" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_dei_CoverAbstract_01a03496-a359-7a11-8473-333deb41fdb0" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_CoverAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressesTable_01a17aa5-7f1b-7043-a3c3-2279805ca4b2" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityAddressesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_01a03496-a359-7a11-8473-333deb41fdb0" xlink:to="loc_dei_EntityAddressesTable_01a17aa5-7f1b-7043-a3c3-2279805ca4b2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressesAddressTypeAxis_01a17aa6-9f61-7609-a0be-27f5fd516c88" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityAddressesAddressTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityAddressesTable_01a17aa5-7f1b-7043-a3c3-2279805ca4b2" xlink:to="loc_dei_EntityAddressesAddressTypeAxis_01a17aa6-9f61-7609-a0be-27f5fd516c88" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AddressTypeDomain_01a17aa6-9f61-7dce-8c55-5e0271daa131" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_AddressTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityAddressesAddressTypeAxis_01a17aa6-9f61-7609-a0be-27f5fd516c88" xlink:to="loc_dei_AddressTypeDomain_01a17aa6-9f61-7dce-8c55-5e0271daa131" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_FormerAddressMember_01a17aa6-9f61-7712-8ca2-952b50ba9ca2" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_FormerAddressMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_AddressTypeDomain_01a17aa6-9f61-7dce-8c55-5e0271daa131" xlink:to="loc_dei_FormerAddressMember_01a17aa6-9f61-7712-8ca2-952b50ba9ca2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressesLineItems_01a17aa5-7f1b-7957-bb6d-f943ca2e65de" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityAddressesLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityAddressesTable_01a17aa5-7f1b-7043-a3c3-2279805ca4b2" xlink:to="loc_dei_EntityAddressesLineItems_01a17aa5-7f1b-7957-bb6d-f943ca2e65de" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType_01a03496-a359-7492-b4b2-01b3fad386fd" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentType"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityAddressesLineItems_01a17aa5-7f1b-7957-bb6d-f943ca2e65de" xlink:to="loc_dei_DocumentType_01a03496-a359-7492-b4b2-01b3fad386fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentPeriodEndDate_01a03496-a359-7128-9f46-771c21b33f6e" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_DocumentPeriodEndDate"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityAddressesLineItems_01a17aa5-7f1b-7957-bb6d-f943ca2e65de" xlink:to="loc_dei_DocumentPeriodEndDate_01a03496-a359-7128-9f46-771c21b33f6e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName_01a17a98-1d96-73e1-97fa-abf9a7462f26" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityRegistrantName"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityAddressesLineItems_01a17aa5-7f1b-7957-bb6d-f943ca2e65de" xlink:to="loc_dei_EntityRegistrantName_01a17a98-1d96-73e1-97fa-abf9a7462f26" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityIncorporationStateCountryCode_01a03496-a359-70e8-bf95-2b0d33826b3f" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityIncorporationStateCountryCode"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityAddressesLineItems_01a17aa5-7f1b-7957-bb6d-f943ca2e65de" xlink:to="loc_dei_EntityIncorporationStateCountryCode_01a03496-a359-70e8-bf95-2b0d33826b3f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFileNumber_01a03496-a359-790a-abb1-2b097e099cea" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityFileNumber"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityAddressesLineItems_01a17aa5-7f1b-7957-bb6d-f943ca2e65de" xlink:to="loc_dei_EntityFileNumber_01a03496-a359-790a-abb1-2b097e099cea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber_01a03496-a359-7b92-8992-d68acff9609f" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityTaxIdentificationNumber"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityAddressesLineItems_01a17aa5-7f1b-7957-bb6d-f943ca2e65de" xlink:to="loc_dei_EntityTaxIdentificationNumber_01a03496-a359-7b92-8992-d68acff9609f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine1_01a03496-a359-7ce8-a342-902f8b6a1b79" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityAddressAddressLine1"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityAddressesLineItems_01a17aa5-7f1b-7957-bb6d-f943ca2e65de" xlink:to="loc_dei_EntityAddressAddressLine1_01a03496-a359-7ce8-a342-902f8b6a1b79" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCityOrTown_01a03496-a359-7f1c-909e-6da1da56ee89" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityAddressCityOrTown"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityAddressesLineItems_01a17aa5-7f1b-7957-bb6d-f943ca2e65de" xlink:to="loc_dei_EntityAddressCityOrTown_01a03496-a359-7f1c-909e-6da1da56ee89" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressStateOrProvince_01a03496-a359-76c8-834f-89854ac375c4" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityAddressStateOrProvince"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityAddressesLineItems_01a17aa5-7f1b-7957-bb6d-f943ca2e65de" xlink:to="loc_dei_EntityAddressStateOrProvince_01a03496-a359-76c8-834f-89854ac375c4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressPostalZipCode_01a03496-a359-72fa-b11a-f04cff214945" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityAddressPostalZipCode"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityAddressesLineItems_01a17aa5-7f1b-7957-bb6d-f943ca2e65de" xlink:to="loc_dei_EntityAddressPostalZipCode_01a03496-a359-72fa-b11a-f04cff214945" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CityAreaCode_01a03496-a359-7aa5-949d-8f0cb4414606" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_CityAreaCode"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityAddressesLineItems_01a17aa5-7f1b-7957-bb6d-f943ca2e65de" xlink:to="loc_dei_CityAreaCode_01a03496-a359-7aa5-949d-8f0cb4414606" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LocalPhoneNumber_01a03496-a359-76ce-9e27-8dd89dfde13a" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_LocalPhoneNumber"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityAddressesLineItems_01a17aa5-7f1b-7957-bb6d-f943ca2e65de" xlink:to="loc_dei_LocalPhoneNumber_01a03496-a359-76ce-9e27-8dd89dfde13a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_WrittenCommunications_01a03496-a359-71f9-900b-2820eee0acb0" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_WrittenCommunications"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityAddressesLineItems_01a17aa5-7f1b-7957-bb6d-f943ca2e65de" xlink:to="loc_dei_WrittenCommunications_01a03496-a359-71f9-900b-2820eee0acb0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SolicitingMaterial_01a03496-a359-74e2-b877-66f78a8d051d" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_SolicitingMaterial"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityAddressesLineItems_01a17aa5-7f1b-7957-bb6d-f943ca2e65de" xlink:to="loc_dei_SolicitingMaterial_01a03496-a359-74e2-b877-66f78a8d051d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_PreCommencementTenderOffer_01a03496-a359-70eb-8565-1958abded46a" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_PreCommencementTenderOffer"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityAddressesLineItems_01a17aa5-7f1b-7957-bb6d-f943ca2e65de" xlink:to="loc_dei_PreCommencementTenderOffer_01a03496-a359-70eb-8565-1958abded46a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_PreCommencementIssuerTenderOffer_01a03496-a359-7151-a759-926f6e5eb437" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_PreCommencementIssuerTenderOffer"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityAddressesLineItems_01a17aa5-7f1b-7957-bb6d-f943ca2e65de" xlink:to="loc_dei_PreCommencementIssuerTenderOffer_01a03496-a359-7151-a759-926f6e5eb437" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_Security12bTitle_01a03496-a359-7741-923b-520255898dd1" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_Security12bTitle"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityAddressesLineItems_01a17aa5-7f1b-7957-bb6d-f943ca2e65de" xlink:to="loc_dei_Security12bTitle_01a03496-a359-7741-923b-520255898dd1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_TradingSymbol_01a03496-a359-7ca5-97b6-65eb129a28b0" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_TradingSymbol"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityAddressesLineItems_01a17aa5-7f1b-7957-bb6d-f943ca2e65de" xlink:to="loc_dei_TradingSymbol_01a03496-a359-7ca5-97b6-65eb129a28b0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityExchangeName_01a03496-a359-7328-ba27-781908b48b44" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_SecurityExchangeName"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityAddressesLineItems_01a17aa5-7f1b-7957-bb6d-f943ca2e65de" xlink:to="loc_dei_SecurityExchangeName_01a03496-a359-7328-ba27-781908b48b44" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityEmergingGrowthCompany_01a03496-a359-7ffb-8282-12e50605a5ed" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityEmergingGrowthCompany"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityAddressesLineItems_01a17aa5-7f1b-7957-bb6d-f943ca2e65de" xlink:to="loc_dei_EntityEmergingGrowthCompany_01a03496-a359-7ffb-8282-12e50605a5ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag_01a03496-a359-75e4-a648-89e970d4457e" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_AmendmentFlag"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityAddressesLineItems_01a17aa5-7f1b-7957-bb6d-f943ca2e65de" xlink:to="loc_dei_AmendmentFlag_01a03496-a359-75e4-a648-89e970d4457e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey_01a03496-a359-77c4-8836-11918c7d5344" xlink:href="https://xbrl.sec.gov/dei/2026/dei-2026.xsd#dei_EntityCentralIndexKey"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityAddressesLineItems_01a17aa5-7f1b-7957-bb6d-f943ca2e65de" xlink:to="loc_dei_EntityCentralIndexKey_01a03496-a359-77c4-8836-11918c7d5344" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
</link:linkbase>
