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    <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="NameOfMajorCustomerDomain" xlink:to="CustomerRetailMember" xlink:title="definition: NameOfMajorCustomerDomain to CustomerRetailMember" order="1.0" />
    <link:loc xlink:type="locator" xlink:href="ibcp-20210930.xsd#ibcp_CustomerBusinessMember" xlink:label="CustomerBusinessMember" xlink:title="CustomerBusinessMember" />
    <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="NameOfMajorCustomerDomain" xlink:to="CustomerBusinessMember" xlink:title="definition: NameOfMajorCustomerDomain to CustomerBusinessMember" order="2.0" />
  </link:definitionLink>
  <link:definitionLink xlink:type="extended" xlink:role="http://independentbank.com/role/LeasesDetails" />
  <link:definitionLink xlink:type="extended" xlink:role="http://independentbank.com/role/LeasesDetailsCalc2" />
  <link:definitionLink xlink:type="extended" xlink:role="http://fasb.org/us-gaap/role/eedm/ExtensibleEnumerationLists" />
</link:linkbase>
