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

<!--XBRL Document Created with Wdesk from Workiva-->
<!--Copyright 2023 Workiva-->
<!--r:63480dac-8f9b-43aa-855e-2d2f24c03a67,g:74ace6c4-7fc1-4e53-ae2d-311ebf50562e-->
<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/CoverPage" xlink:type="simple" xlink:href="ibcp-20230331.xsd#CoverPage"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/CoverPage" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_dei_CoverAbstract_efceb7a3-25ff-4513-b67c-100f72cf63e5" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CoverAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType_aef88ad3-ab6f-4a3b-a2c2-ecf874e4766d" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentType"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_efceb7a3-25ff-4513-b67c-100f72cf63e5" xlink:to="loc_dei_DocumentType_aef88ad3-ab6f-4a3b-a2c2-ecf874e4766d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentPeriodEndDate_99a8e222-9f38-4482-bb74-6f2abf4638bd" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentPeriodEndDate"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_efceb7a3-25ff-4513-b67c-100f72cf63e5" xlink:to="loc_dei_DocumentPeriodEndDate_99a8e222-9f38-4482-bb74-6f2abf4638bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFileNumber_7bcffd2c-0bb0-4ae0-bc2a-4838a017e324" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityFileNumber"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_efceb7a3-25ff-4513-b67c-100f72cf63e5" xlink:to="loc_dei_EntityFileNumber_7bcffd2c-0bb0-4ae0-bc2a-4838a017e324" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName_8d9884f6-436a-41e1-adf8-745113afe2c2" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityRegistrantName"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_efceb7a3-25ff-4513-b67c-100f72cf63e5" xlink:to="loc_dei_EntityRegistrantName_8d9884f6-436a-41e1-adf8-745113afe2c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityIncorporationStateCountryCode_f3a6d915-418e-499a-9050-024c41e6e29f" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityIncorporationStateCountryCode"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_efceb7a3-25ff-4513-b67c-100f72cf63e5" xlink:to="loc_dei_EntityIncorporationStateCountryCode_f3a6d915-418e-499a-9050-024c41e6e29f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber_64a9ddb0-1f64-42c1-badd-d472b6685aa4" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityTaxIdentificationNumber"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_efceb7a3-25ff-4513-b67c-100f72cf63e5" xlink:to="loc_dei_EntityTaxIdentificationNumber_64a9ddb0-1f64-42c1-badd-d472b6685aa4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine1_7563af54-f76b-44aa-bbf4-a4766298a705" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine1"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_efceb7a3-25ff-4513-b67c-100f72cf63e5" xlink:to="loc_dei_EntityAddressAddressLine1_7563af54-f76b-44aa-bbf4-a4766298a705" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCityOrTown_2147602d-0295-492c-9d12-225616a1bfc7" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressCityOrTown"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_efceb7a3-25ff-4513-b67c-100f72cf63e5" xlink:to="loc_dei_EntityAddressCityOrTown_2147602d-0295-492c-9d12-225616a1bfc7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressStateOrProvince_7c97f692-15ef-4ab9-b067-9e47f388db7c" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressStateOrProvince"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_efceb7a3-25ff-4513-b67c-100f72cf63e5" xlink:to="loc_dei_EntityAddressStateOrProvince_7c97f692-15ef-4ab9-b067-9e47f388db7c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressPostalZipCode_6484e1ca-a4e3-45ff-bc0b-f2fb7edff9d7" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressPostalZipCode"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_efceb7a3-25ff-4513-b67c-100f72cf63e5" xlink:to="loc_dei_EntityAddressPostalZipCode_6484e1ca-a4e3-45ff-bc0b-f2fb7edff9d7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CityAreaCode_527150af-dd6c-47ab-bc00-210c31fbb3e9" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CityAreaCode"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_efceb7a3-25ff-4513-b67c-100f72cf63e5" xlink:to="loc_dei_CityAreaCode_527150af-dd6c-47ab-bc00-210c31fbb3e9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LocalPhoneNumber_867c8f99-ea18-4e1a-9867-bb955dba4c3e" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_LocalPhoneNumber"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_efceb7a3-25ff-4513-b67c-100f72cf63e5" xlink:to="loc_dei_LocalPhoneNumber_867c8f99-ea18-4e1a-9867-bb955dba4c3e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_Security12bTitle_e2d0bfc2-2c41-4efc-a1a9-84b8345d5705" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_Security12bTitle"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_efceb7a3-25ff-4513-b67c-100f72cf63e5" xlink:to="loc_dei_Security12bTitle_e2d0bfc2-2c41-4efc-a1a9-84b8345d5705" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_TradingSymbol_0a8abe0a-7150-48e4-ad2f-eca0d417fe51" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_TradingSymbol"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_efceb7a3-25ff-4513-b67c-100f72cf63e5" xlink:to="loc_dei_TradingSymbol_0a8abe0a-7150-48e4-ad2f-eca0d417fe51" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityExchangeName_8d9ce909-2aa6-4447-b9e9-9bf85b8932dc" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SecurityExchangeName"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_efceb7a3-25ff-4513-b67c-100f72cf63e5" xlink:to="loc_dei_SecurityExchangeName_8d9ce909-2aa6-4447-b9e9-9bf85b8932dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCurrentReportingStatus_d3178b34-b36a-45cb-abf0-7adbcc543f66" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCurrentReportingStatus"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_efceb7a3-25ff-4513-b67c-100f72cf63e5" xlink:to="loc_dei_EntityCurrentReportingStatus_d3178b34-b36a-45cb-abf0-7adbcc543f66" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityInteractiveDataCurrent_ad63a2eb-5ed8-4c41-94ed-638bedf5a35e" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityInteractiveDataCurrent"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_efceb7a3-25ff-4513-b67c-100f72cf63e5" xlink:to="loc_dei_EntityInteractiveDataCurrent_ad63a2eb-5ed8-4c41-94ed-638bedf5a35e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFilerCategory_ea3df7b1-ebe5-4f4d-a7a7-1fa2200067b9" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityFilerCategory"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_efceb7a3-25ff-4513-b67c-100f72cf63e5" xlink:to="loc_dei_EntityFilerCategory_ea3df7b1-ebe5-4f4d-a7a7-1fa2200067b9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntitySmallBusiness_1b7bc58b-8f84-42e6-8eec-cf1669ca663e" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntitySmallBusiness"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_efceb7a3-25ff-4513-b67c-100f72cf63e5" xlink:to="loc_dei_EntitySmallBusiness_1b7bc58b-8f84-42e6-8eec-cf1669ca663e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityEmergingGrowthCompany_39483ec0-f9c1-46b8-8c5f-f0a2ab2951b1" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityEmergingGrowthCompany"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_efceb7a3-25ff-4513-b67c-100f72cf63e5" xlink:to="loc_dei_EntityEmergingGrowthCompany_39483ec0-f9c1-46b8-8c5f-f0a2ab2951b1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityShellCompany_73cf6021-1275-4f61-9730-2a79d50ad07c" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityShellCompany"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_efceb7a3-25ff-4513-b67c-100f72cf63e5" xlink:to="loc_dei_EntityShellCompany_73cf6021-1275-4f61-9730-2a79d50ad07c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCommonStockSharesOutstanding_62aae743-852a-4b12-9e4c-8b481abdd17e" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCommonStockSharesOutstanding"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_efceb7a3-25ff-4513-b67c-100f72cf63e5" xlink:to="loc_dei_EntityCommonStockSharesOutstanding_62aae743-852a-4b12-9e4c-8b481abdd17e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CurrentFiscalYearEndDate_5460e889-6f53-4912-9206-b70968f023c3" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CurrentFiscalYearEndDate"/>
    <link:presentationArc order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_efceb7a3-25ff-4513-b67c-100f72cf63e5" xlink:to="loc_dei_CurrentFiscalYearEndDate_5460e889-6f53-4912-9206-b70968f023c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalPeriodFocus_7f917348-77ee-4edf-92df-6ed7393c5d4b" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentFiscalPeriodFocus"/>
    <link:presentationArc order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_efceb7a3-25ff-4513-b67c-100f72cf63e5" xlink:to="loc_dei_DocumentFiscalPeriodFocus_7f917348-77ee-4edf-92df-6ed7393c5d4b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalYearFocus_d15914e1-d4bf-46c0-bc78-50009a944d72" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentFiscalYearFocus"/>
    <link:presentationArc order="25" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_efceb7a3-25ff-4513-b67c-100f72cf63e5" xlink:to="loc_dei_DocumentFiscalYearFocus_d15914e1-d4bf-46c0-bc78-50009a944d72" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey_21eba849-86f7-4969-8882-82d59a961fd5" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCentralIndexKey"/>
    <link:presentationArc order="26" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_efceb7a3-25ff-4513-b67c-100f72cf63e5" xlink:to="loc_dei_EntityCentralIndexKey_21eba849-86f7-4969-8882-82d59a961fd5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag_8d197ef9-af21-48a7-8780-8b61544edbb3" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AmendmentFlag"/>
    <link:presentationArc order="27" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_efceb7a3-25ff-4513-b67c-100f72cf63e5" xlink:to="loc_dei_AmendmentFlag_8d197ef9-af21-48a7-8780-8b61544edbb3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentQuarterlyReport_8becceec-9bf6-40f7-a047-102cdb3f52df" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentQuarterlyReport"/>
    <link:presentationArc order="28" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_efceb7a3-25ff-4513-b67c-100f72cf63e5" xlink:to="loc_dei_DocumentQuarterlyReport_8becceec-9bf6-40f7-a047-102cdb3f52df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentTransitionReport_e0b569b7-f3f7-4f84-b4ec-0d66856ce298" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentTransitionReport"/>
    <link:presentationArc order="29" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_efceb7a3-25ff-4513-b67c-100f72cf63e5" xlink:to="loc_dei_DocumentTransitionReport_e0b569b7-f3f7-4f84-b4ec-0d66856ce298" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/CondensedConsolidatedStatementsofFinancialCondition" xlink:type="simple" xlink:href="ibcp-20230331.xsd#CondensedConsolidatedStatementsofFinancialCondition"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/CondensedConsolidatedStatementsofFinancialCondition" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfFinancialPositionAbstract_c71756ae-64e3-4100-a28b-6922e40b095a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementOfFinancialPositionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_d986f2b0-7cca-4300-85b0-aad211e1c173" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_c71756ae-64e3-4100-a28b-6922e40b095a" xlink:to="loc_us-gaap_StatementTable_d986f2b0-7cca-4300-85b0-aad211e1c173" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_4f71e891-3047-438a-bad7-04609968f3bd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_d986f2b0-7cca-4300-85b0-aad211e1c173" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_4f71e891-3047-438a-bad7-04609968f3bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_fa7274e5-902a-4c6d-957b-81602001c36b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_4f71e891-3047-438a-bad7-04609968f3bd" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_fa7274e5-902a-4c6d-957b-81602001c36b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_aa572f3a-c0fa-49fd-ba9e-1fa3959348d5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_fa7274e5-902a-4c6d-957b-81602001c36b" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_aa572f3a-c0fa-49fd-ba9e-1fa3959348d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_31150e08-7357-4c30-b757-21ff341069e4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_fa7274e5-902a-4c6d-957b-81602001c36b" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_31150e08-7357-4c30-b757-21ff341069e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentPortfolioSegmentMember_e51d22b2-219c-4a82-aa06-fd068b4f1ab0" xlink:href="ibcp-20230331.xsd#ibcp_InstallmentPortfolioSegmentMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_fa7274e5-902a-4c6d-957b-81602001c36b" xlink:to="loc_ibcp_InstallmentPortfolioSegmentMember_e51d22b2-219c-4a82-aa06-fd068b4f1ab0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_0e491661-d5f9-4437-8077-2c1d2783daf1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_d986f2b0-7cca-4300-85b0-aad211e1c173" xlink:to="loc_us-gaap_StatementLineItems_0e491661-d5f9-4437-8077-2c1d2783daf1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsAbstract_5f613295-ce33-4b09-a4c2-883be32c978d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_0e491661-d5f9-4437-8077-2c1d2783daf1" xlink:to="loc_us-gaap_AssetsAbstract_5f613295-ce33-4b09-a4c2-883be32c978d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndDueFromBanks_bc53a2c0-26df-483e-9704-058f918e39c4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashAndDueFromBanks"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_5f613295-ce33-4b09-a4c2-883be32c978d" xlink:to="loc_us-gaap_CashAndDueFromBanks_bc53a2c0-26df-483e-9704-058f918e39c4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDepositsInBanks_edb70d05-79c5-4ce2-9c3b-674738ebba9d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestBearingDepositsInBanks"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_5f613295-ce33-4b09-a4c2-883be32c978d" xlink:to="loc_us-gaap_InterestBearingDepositsInBanks_edb70d05-79c5-4ce2-9c3b-674738ebba9d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_86142c9b-62b0-4b08-8249-588841b0efe8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_5f613295-ce33-4b09-a4c2-883be32c978d" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_86142c9b-62b0-4b08-8249-588841b0efe8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_061e8b0b-e9f8-44a6-b079-259a31b886f8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_5f613295-ce33-4b09-a4c2-883be32c978d" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_061e8b0b-e9f8-44a6-b079-259a31b886f8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_6f7c164a-88f8-4209-956f-62fc92e154d6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_5f613295-ce33-4b09-a4c2-883be32c978d" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_6f7c164a-88f8-4209-956f-62fc92e154d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock_9f3cdb44-4c2b-423b-badb-aa426bf480be" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_5f613295-ce33-4b09-a4c2-883be32c978d" xlink:to="loc_us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock_9f3cdb44-4c2b-423b-badb-aa426bf480be" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_d9c4c080-6952-464d-93b6-cbbc2fd289bb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_5f613295-ce33-4b09-a4c2-883be32c978d" xlink:to="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_d9c4c080-6952-464d-93b6-cbbc2fd289bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_LoansHeldForSaleCarriedAtLowerOfCostOrFairValue_f47549d5-b416-4e4a-a069-854ca70a4c3f" xlink:href="ibcp-20230331.xsd#ibcp_LoansHeldForSaleCarriedAtLowerOfCostOrFairValue"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_5f613295-ce33-4b09-a4c2-883be32c978d" xlink:to="loc_ibcp_LoansHeldForSaleCarriedAtLowerOfCostOrFairValue_f47549d5-b416-4e4a-a069-854ca70a4c3f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAbstract_5bd65ead-e859-4ae6-b128-a8f4e5b9932e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAbstract"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_5f613295-ce33-4b09-a4c2-883be32c978d" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAbstract_5bd65ead-e859-4ae6-b128-a8f4e5b9932e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableGross_e1ad2344-556a-4380-97ef-a9ff00bde2d9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NotesReceivableGross"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAbstract_5bd65ead-e859-4ae6-b128-a8f4e5b9932e" xlink:to="loc_us-gaap_NotesReceivableGross_e1ad2344-556a-4380-97ef-a9ff00bde2d9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_897e89c7-d60a-44cf-b678-7218f49ad466" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAbstract_5bd65ead-e859-4ae6-b128-a8f4e5b9932e" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_897e89c7-d60a-44cf-b678-7218f49ad466" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableNet_8270dea0-bbc0-4514-9fa5-d4c543a0c586" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NotesReceivableNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLossAbstract_5bd65ead-e859-4ae6-b128-a8f4e5b9932e" xlink:to="loc_us-gaap_NotesReceivableNet_8270dea0-bbc0-4514-9fa5-d4c543a0c586" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ForeclosedAssets_f8d84159-2a12-460f-88af-6ac91a20cc94" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ForeclosedAssets"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_5f613295-ce33-4b09-a4c2-883be32c978d" xlink:to="loc_us-gaap_ForeclosedAssets_f8d84159-2a12-460f-88af-6ac91a20cc94" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_ced7b4fb-f824-4906-a9ef-32fe37ec7748" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_5f613295-ce33-4b09-a4c2-883be32c978d" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet_ced7b4fb-f824-4906-a9ef-32fe37ec7748" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankOwnedLifeInsurance_418da58a-8e79-4ecf-a701-01ec64113237" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BankOwnedLifeInsurance"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_5f613295-ce33-4b09-a4c2-883be32c978d" xlink:to="loc_us-gaap_BankOwnedLifeInsurance_418da58a-8e79-4ecf-a701-01ec64113237" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_519613f6-034c-4d91-b722-e5bbb1947ca4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_5f613295-ce33-4b09-a4c2-883be32c978d" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmount_519613f6-034c-4d91-b722-e5bbb1947ca4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_f9559fad-7fa5-48aa-b400-4623ce120a28" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_5f613295-ce33-4b09-a4c2-883be32c978d" xlink:to="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_f9559fad-7fa5-48aa-b400-4623ce120a28" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_1d62e463-a17c-480a-80d2-0c27bf19973a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Goodwill"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_5f613295-ce33-4b09-a4c2-883be32c978d" xlink:to="loc_us-gaap_Goodwill_1d62e463-a17c-480a-80d2-0c27bf19973a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_c11124d8-a298-4753-bf3c-0ac317e01a51" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherAssets"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_5f613295-ce33-4b09-a4c2-883be32c978d" xlink:to="loc_us-gaap_OtherAssets_c11124d8-a298-4753-bf3c-0ac317e01a51" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_aadaa41b-bae6-4fe0-b18e-95b821e39f01" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Assets"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_5f613295-ce33-4b09-a4c2-883be32c978d" xlink:to="loc_us-gaap_Assets_aadaa41b-bae6-4fe0-b18e-95b821e39f01" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_4ab7c367-a704-4938-ad73-a5350680457c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_0e491661-d5f9-4437-8077-2c1d2783daf1" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_4ab7c367-a704-4938-ad73-a5350680457c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsAbstract_f5e20694-711c-4ff0-8fed-3f9e43b7081a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DepositsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_4ab7c367-a704-4938-ad73-a5350680457c" xlink:to="loc_us-gaap_DepositsAbstract_f5e20694-711c-4ff0-8fed-3f9e43b7081a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestBearingDepositLiabilities_ade3c1ee-0d82-461c-9153-f6bf880000c4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoninterestBearingDepositLiabilities"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_f5e20694-711c-4ff0-8fed-3f9e43b7081a" xlink:to="loc_us-gaap_NoninterestBearingDepositLiabilities_ade3c1ee-0d82-461c-9153-f6bf880000c4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsSavingsDeposits_2ca4cbbf-a4b9-480b-9f44-6e3475073c95" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DepositsSavingsDeposits"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_f5e20694-711c-4ff0-8fed-3f9e43b7081a" xlink:to="loc_us-gaap_DepositsSavingsDeposits_2ca4cbbf-a4b9-480b-9f44-6e3475073c95" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ReciprocalDeposits_26d9841f-07be-47d8-b5b7-1d8aafc375fd" xlink:href="ibcp-20230331.xsd#ibcp_ReciprocalDeposits"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_f5e20694-711c-4ff0-8fed-3f9e43b7081a" xlink:to="loc_ibcp_ReciprocalDeposits_26d9841f-07be-47d8-b5b7-1d8aafc375fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDomesticDepositTimeDeposits_a3940dc1-8a28-4725-a9c3-9113801cd933" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestBearingDomesticDepositTimeDeposits"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_f5e20694-711c-4ff0-8fed-3f9e43b7081a" xlink:to="loc_us-gaap_InterestBearingDomesticDepositTimeDeposits_a3940dc1-8a28-4725-a9c3-9113801cd933" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDomesticDepositBrokered_50f0aec6-2a82-4a0b-b1c5-a3ce09089eb0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestBearingDomesticDepositBrokered"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_f5e20694-711c-4ff0-8fed-3f9e43b7081a" xlink:to="loc_us-gaap_InterestBearingDomesticDepositBrokered_50f0aec6-2a82-4a0b-b1c5-a3ce09089eb0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Deposits_c95d0d0c-5541-481c-aefb-c9881b7374f0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Deposits"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DepositsAbstract_f5e20694-711c-4ff0-8fed-3f9e43b7081a" xlink:to="loc_us-gaap_Deposits_c95d0d0c-5541-481c-aefb-c9881b7374f0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherBorrowings_340509c3-cb38-4354-b12e-655bc93fd38b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherBorrowings"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_4ab7c367-a704-4938-ad73-a5350680457c" xlink:to="loc_us-gaap_OtherBorrowings_340509c3-cb38-4354-b12e-655bc93fd38b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubordinatedDebt_2c5e131f-04ec-42c7-b7f0-ec1fb5245a49" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubordinatedDebt"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_4ab7c367-a704-4938-ad73-a5350680457c" xlink:to="loc_us-gaap_SubordinatedDebt_2c5e131f-04ec-42c7-b7f0-ec1fb5245a49" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_1ed71473-1ee7-4224-aa42-de4a423d4f54" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_4ab7c367-a704-4938-ad73-a5350680457c" xlink:to="loc_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_1ed71473-1ee7-4224-aa42-de4a423d4f54" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilities_12fe2afc-281b-458b-9405-99ec6ff01c17" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherLiabilities"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_4ab7c367-a704-4938-ad73-a5350680457c" xlink:to="loc_us-gaap_OtherLiabilities_12fe2afc-281b-458b-9405-99ec6ff01c17" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_45d89ffd-d347-44ca-84d8-81920b91d4b2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Liabilities"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_4ab7c367-a704-4938-ad73-a5350680457c" xlink:to="loc_us-gaap_Liabilities_45d89ffd-d347-44ca-84d8-81920b91d4b2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingencies_17d03180-c6a0-4e51-a17f-64cff2e42645" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommitmentsAndContingencies"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_4ab7c367-a704-4938-ad73-a5350680457c" xlink:to="loc_us-gaap_CommitmentsAndContingencies_17d03180-c6a0-4e51-a17f-64cff2e42645" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityAbstract_dd01878d-a12d-44b4-bac3-ef167729176f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockholdersEquityAbstract"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_4ab7c367-a704-4938-ad73-a5350680457c" xlink:to="loc_us-gaap_StockholdersEquityAbstract_dd01878d-a12d-44b4-bac3-ef167729176f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValue_4f1f2ba3-b0ac-4039-95d4-a4aa80d2cdf8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_dd01878d-a12d-44b4-bac3-ef167729176f" xlink:to="loc_us-gaap_PreferredStockValue_4f1f2ba3-b0ac-4039-95d4-a4aa80d2cdf8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_ebfcfb70-ea6a-4798-9644-4d2d81233ac0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_dd01878d-a12d-44b4-bac3-ef167729176f" xlink:to="loc_us-gaap_CommonStockValue_ebfcfb70-ea6a-4798-9644-4d2d81233ac0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_2ff10071-2c11-46f3-b6e0-2be5a0fa655f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_dd01878d-a12d-44b4-bac3-ef167729176f" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_2ff10071-2c11-46f3-b6e0-2be5a0fa655f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_08f14f29-3520-4448-8291-338ef279e255" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_dd01878d-a12d-44b4-bac3-ef167729176f" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_08f14f29-3520-4448-8291-338ef279e255" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_c230e366-1e2b-4f31-871d-a24be049c95c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockholdersEquity"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_dd01878d-a12d-44b4-bac3-ef167729176f" xlink:to="loc_us-gaap_StockholdersEquity_c230e366-1e2b-4f31-871d-a24be049c95c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_56668e37-157b-4a9f-968d-b818408c78bd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_4ab7c367-a704-4938-ad73-a5350680457c" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquity_56668e37-157b-4a9f-968d-b818408c78bd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/ConsolidatedStatementsofFinancialConditionParenthetical" xlink:type="simple" xlink:href="ibcp-20230331.xsd#ConsolidatedStatementsofFinancialConditionParenthetical"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/ConsolidatedStatementsofFinancialConditionParenthetical" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfFinancialPositionAbstract_b7c20399-7891-4378-b577-2476c79424aa" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementOfFinancialPositionAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsAbstract_6b7b3a21-adac-4445-849f-4f6dee1f1338" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_b7c20399-7891-4378-b577-2476c79424aa" xlink:to="loc_us-gaap_AssetsAbstract_6b7b3a21-adac-4445-849f-4f6dee1f1338" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_9261e896-9f0a-4bfe-939a-e64a839eaf31" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HeldToMaturitySecuritiesFairValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_6b7b3a21-adac-4445-849f-4f6dee1f1338" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesFairValue_9261e896-9f0a-4bfe-939a-e64a839eaf31" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_00c6bb6f-05fa-4dd8-ae2a-40c8646b9365" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_b7c20399-7891-4378-b577-2476c79424aa" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_00c6bb6f-05fa-4dd8-ae2a-40c8646b9365" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityAbstract_de3ae973-5ab8-4504-a44a-e8a291901f91" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockholdersEquityAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_00c6bb6f-05fa-4dd8-ae2a-40c8646b9365" xlink:to="loc_us-gaap_StockholdersEquityAbstract_de3ae973-5ab8-4504-a44a-e8a291901f91" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockNoParValue_7d56b51a-5ceb-429b-b19e-dbb6b47e56d5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockNoParValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_de3ae973-5ab8-4504-a44a-e8a291901f91" xlink:to="loc_us-gaap_PreferredStockNoParValue_7d56b51a-5ceb-429b-b19e-dbb6b47e56d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesAuthorized_e514c14a-3750-4b30-aeb1-3562fd51a9e7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockSharesAuthorized"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_de3ae973-5ab8-4504-a44a-e8a291901f91" xlink:to="loc_us-gaap_PreferredStockSharesAuthorized_e514c14a-3750-4b30-aeb1-3562fd51a9e7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesIssued_354df49e-9d81-4a78-8b03-aff1ca710705" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockSharesIssued"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_de3ae973-5ab8-4504-a44a-e8a291901f91" xlink:to="loc_us-gaap_PreferredStockSharesIssued_354df49e-9d81-4a78-8b03-aff1ca710705" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesOutstanding_ed924309-c7f5-4818-9eac-0be819b7d153" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PreferredStockSharesOutstanding"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_de3ae973-5ab8-4504-a44a-e8a291901f91" xlink:to="loc_us-gaap_PreferredStockSharesOutstanding_ed924309-c7f5-4818-9eac-0be819b7d153" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockNoParValue_126fa6ec-90cf-4ab6-b80b-ab9749a9a77f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockNoParValue"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_de3ae973-5ab8-4504-a44a-e8a291901f91" xlink:to="loc_us-gaap_CommonStockNoParValue_126fa6ec-90cf-4ab6-b80b-ab9749a9a77f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesAuthorized_005992a2-b463-4328-9f81-2335e572dce5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockSharesAuthorized"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_de3ae973-5ab8-4504-a44a-e8a291901f91" xlink:to="loc_us-gaap_CommonStockSharesAuthorized_005992a2-b463-4328-9f81-2335e572dce5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesIssued_4b81b1ac-d2ae-41ea-a3a3-0b8adabdd392" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockSharesIssued"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_de3ae973-5ab8-4504-a44a-e8a291901f91" xlink:to="loc_us-gaap_CommonStockSharesIssued_4b81b1ac-d2ae-41ea-a3a3-0b8adabdd392" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_72ed0568-9d8b-4fdb-a675-18c2d22a1339" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityAbstract_de3ae973-5ab8-4504-a44a-e8a291901f91" xlink:to="loc_us-gaap_CommonStockSharesOutstanding_72ed0568-9d8b-4fdb-a675-18c2d22a1339" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/CondensedConsolidatedStatementsofOperations" xlink:type="simple" xlink:href="ibcp-20230331.xsd#CondensedConsolidatedStatementsofOperations"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/CondensedConsolidatedStatementsofOperations" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementAbstract_db71eb58-33ad-4df5-aae0-835faa569801" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeStatementAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract_afcdf048-5cb0-4e82-aa92-001e6d47d507" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestAndDividendIncomeOperatingAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_db71eb58-33ad-4df5-aae0-835faa569801" xlink:to="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract_afcdf048-5cb0-4e82-aa92-001e6d47d507" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases_ed084010-47e1-4e7b-a6e4-368653f95053" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract_afcdf048-5cb0-4e82-aa92-001e6d47d507" xlink:to="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases_ed084010-47e1-4e7b-a6e4-368653f95053" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract_9519cf8a-964c-4e0a-a540-09027f2d3362" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract_afcdf048-5cb0-4e82-aa92-001e6d47d507" xlink:to="loc_us-gaap_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract_9519cf8a-964c-4e0a-a540-09027f2d3362" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeSecuritiesTaxable_fcd2eef2-0ee1-450c-8b40-a29e2485bd90" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestIncomeSecuritiesTaxable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract_9519cf8a-964c-4e0a-a540-09027f2d3362" xlink:to="loc_us-gaap_InterestIncomeSecuritiesTaxable_fcd2eef2-0ee1-450c-8b40-a29e2485bd90" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeSecuritiesTaxExempt_a85947db-f95d-457f-b765-fc26a6df850a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestIncomeSecuritiesTaxExempt"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract_9519cf8a-964c-4e0a-a540-09027f2d3362" xlink:to="loc_us-gaap_InterestIncomeSecuritiesTaxExempt_a85947db-f95d-457f-b765-fc26a6df850a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherInterestAndDividendIncome_780a9c67-e30a-4211-bde1-d70ed233dc16" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherInterestAndDividendIncome"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract_afcdf048-5cb0-4e82-aa92-001e6d47d507" xlink:to="loc_us-gaap_OtherInterestAndDividendIncome_780a9c67-e30a-4211-bde1-d70ed233dc16" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_fe1c670c-d5b5-48c2-ae78-b3d3ca271ff4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract_afcdf048-5cb0-4e82-aa92-001e6d47d507" xlink:to="loc_us-gaap_InterestAndDividendIncomeOperating_fe1c670c-d5b5-48c2-ae78-b3d3ca271ff4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseAbstract_8bcfb541-d863-4ab0-b5f3-d55736c7a457" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpenseAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_db71eb58-33ad-4df5-aae0-835faa569801" xlink:to="loc_us-gaap_InterestExpenseAbstract_8bcfb541-d863-4ab0-b5f3-d55736c7a457" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseDeposits_ce73ece9-370a-472c-848b-d103fa5380bb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpenseDeposits"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestExpenseAbstract_8bcfb541-d863-4ab0-b5f3-d55736c7a457" xlink:to="loc_us-gaap_InterestExpenseDeposits_ce73ece9-370a-472c-848b-d103fa5380bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseBorrowings_36c0aad2-86b9-46c0-9f85-09eba2f5365d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpenseBorrowings"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestExpenseAbstract_8bcfb541-d863-4ab0-b5f3-d55736c7a457" xlink:to="loc_us-gaap_InterestExpenseBorrowings_36c0aad2-86b9-46c0-9f85-09eba2f5365d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpense_e48ee44c-1c75-4e20-ad84-4a8cb0976cee" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestExpense"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InterestExpenseAbstract_8bcfb541-d863-4ab0-b5f3-d55736c7a457" xlink:to="loc_us-gaap_InterestExpense_e48ee44c-1c75-4e20-ad84-4a8cb0976cee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_aed98baa-65b7-4931-a4d5-e78e7239877d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_db71eb58-33ad-4df5-aae0-835faa569801" xlink:to="loc_us-gaap_InterestIncomeExpenseNet_aed98baa-65b7-4931-a4d5-e78e7239877d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ProvisionForLossReimbursementOnSoldLoans_f800c39f-9b6f-4fbf-b3e7-be94ba00aaa9" xlink:href="ibcp-20230331.xsd#ibcp_ProvisionForLossReimbursementOnSoldLoans"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_db71eb58-33ad-4df5-aae0-835faa569801" xlink:to="loc_ibcp_ProvisionForLossReimbursementOnSoldLoans_f800c39f-9b6f-4fbf-b3e7-be94ba00aaa9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_4136c060-4915-4c8b-aa9b-d19b2ecf783b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_db71eb58-33ad-4df5-aae0-835faa569801" xlink:to="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_4136c060-4915-4c8b-aa9b-d19b2ecf783b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeAbstract_c8dac8a6-0776-4d5a-8a8e-9fd7cd0d113a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoninterestIncomeAbstract"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_db71eb58-33ad-4df5-aae0-835faa569801" xlink:to="loc_us-gaap_NoninterestIncomeAbstract_c8dac8a6-0776-4d5a-8a8e-9fd7cd0d113a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InterchangeIncome_d364ae65-a2d1-4030-a60d-7be495f40ec8" xlink:href="ibcp-20230331.xsd#ibcp_InterchangeIncome"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_c8dac8a6-0776-4d5a-8a8e-9fd7cd0d113a" xlink:to="loc_ibcp_InterchangeIncome_d364ae65-a2d1-4030-a60d-7be495f40ec8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DepositorAccountsFeesAndCommissions_28c0193f-fe54-4c56-a605-c3da70cb0612" xlink:href="ibcp-20230331.xsd#ibcp_DepositorAccountsFeesAndCommissions"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_c8dac8a6-0776-4d5a-8a8e-9fd7cd0d113a" xlink:to="loc_ibcp_DepositorAccountsFeesAndCommissions_28c0193f-fe54-4c56-a605-c3da70cb0612" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainsLossesOnSalesOfAssetsAbstract_a2b701ae-707c-434b-94b1-874371ae2711" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GainsLossesOnSalesOfAssetsAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_c8dac8a6-0776-4d5a-8a8e-9fd7cd0d113a" xlink:to="loc_us-gaap_GainsLossesOnSalesOfAssetsAbstract_a2b701ae-707c-434b-94b1-874371ae2711" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSalesOfLoansNet_8464c8b2-cdc3-46d3-8ad8-801cfc094844" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GainLossOnSalesOfLoansNet"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GainsLossesOnSalesOfAssetsAbstract_a2b701ae-707c-434b-94b1-874371ae2711" xlink:to="loc_us-gaap_GainLossOnSalesOfLoansNet_8464c8b2-cdc3-46d3-8ad8-801cfc094844" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MarketableSecuritiesGainLossExcludingOtherThanTemporaryImpairments_d44f0f77-7eee-41df-a2b8-87f3b8ae3ef7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MarketableSecuritiesGainLossExcludingOtherThanTemporaryImpairments"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GainsLossesOnSalesOfAssetsAbstract_a2b701ae-707c-434b-94b1-874371ae2711" xlink:to="loc_us-gaap_MarketableSecuritiesGainLossExcludingOtherThanTemporaryImpairments_d44f0f77-7eee-41df-a2b8-87f3b8ae3ef7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_MortgageLoanServicingIncome_f302188c-08ed-40b6-ae8b-61ef3dd04b55" xlink:href="ibcp-20230331.xsd#ibcp_MortgageLoanServicingIncome"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_c8dac8a6-0776-4d5a-8a8e-9fd7cd0d113a" xlink:to="loc_ibcp_MortgageLoanServicingIncome_f302188c-08ed-40b6-ae8b-61ef3dd04b55" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_37bb0efe-02d2-4726-b9dd-61e9d3207d44" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_c8dac8a6-0776-4d5a-8a8e-9fd7cd0d113a" xlink:to="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_37bb0efe-02d2-4726-b9dd-61e9d3207d44" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncome_51e50167-7b9b-408e-9ec6-8fd30d92d8cc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoninterestIncome"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_c8dac8a6-0776-4d5a-8a8e-9fd7cd0d113a" xlink:to="loc_us-gaap_NoninterestIncome_51e50167-7b9b-408e-9ec6-8fd30d92d8cc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpenseAbstract_e9c345c5-7000-4d51-8730-4d76054dcabf" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoninterestExpenseAbstract"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_db71eb58-33ad-4df5-aae0-835faa569801" xlink:to="loc_us-gaap_NoninterestExpenseAbstract_e9c345c5-7000-4d51-8730-4d76054dcabf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LaborAndRelatedExpense_3f41f96f-8501-4e2b-ac00-a95f09696f25" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LaborAndRelatedExpense"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_e9c345c5-7000-4d51-8730-4d76054dcabf" xlink:to="loc_us-gaap_LaborAndRelatedExpense_3f41f96f-8501-4e2b-ac00-a95f09696f25" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DataProcessing_7cc0f274-34b9-492c-9bca-b63680e97105" xlink:href="ibcp-20230331.xsd#ibcp_DataProcessing"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_e9c345c5-7000-4d51-8730-4d76054dcabf" xlink:to="loc_ibcp_DataProcessing_7cc0f274-34b9-492c-9bca-b63680e97105" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OccupancyNet_738062ef-e0a2-42ae-be68-89c9902fee12" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OccupancyNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_e9c345c5-7000-4d51-8730-4d76054dcabf" xlink:to="loc_us-gaap_OccupancyNet_738062ef-e0a2-42ae-be68-89c9902fee12" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InterchangeExpense_63198fa7-20e1-4c11-a1b4-fa7c64ace6be" xlink:href="ibcp-20230331.xsd#ibcp_InterchangeExpense"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_e9c345c5-7000-4d51-8730-4d76054dcabf" xlink:to="loc_ibcp_InterchangeExpense_63198fa7-20e1-4c11-a1b4-fa7c64ace6be" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquipmentExpense_822ef8b7-31da-437e-8eed-3692eab3da53" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquipmentExpense"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_e9c345c5-7000-4d51-8730-4d76054dcabf" xlink:to="loc_us-gaap_EquipmentExpense_822ef8b7-31da-437e-8eed-3692eab3da53" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalDepositInsuranceCorporationPremiumExpense_9db168b7-e4ff-48ca-b744-de6420b233f4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalDepositInsuranceCorporationPremiumExpense"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_e9c345c5-7000-4d51-8730-4d76054dcabf" xlink:to="loc_us-gaap_FederalDepositInsuranceCorporationPremiumExpense_9db168b7-e4ff-48ca-b744-de6420b233f4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Communication_6cbe6c50-b491-4081-975c-9b50fa510fd2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Communication"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_e9c345c5-7000-4d51-8730-4d76054dcabf" xlink:to="loc_us-gaap_Communication_6cbe6c50-b491-4081-975c-9b50fa510fd2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfessionalFees_dbcb453d-6bf3-41c7-a76d-e89dbd9c05f1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProfessionalFees"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_e9c345c5-7000-4d51-8730-4d76054dcabf" xlink:to="loc_us-gaap_ProfessionalFees_dbcb453d-6bf3-41c7-a76d-e89dbd9c05f1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_LoanAndCollection_55e8d2b8-527c-4618-acd5-719653ea8cf4" xlink:href="ibcp-20230331.xsd#ibcp_LoanAndCollection"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_e9c345c5-7000-4d51-8730-4d76054dcabf" xlink:to="loc_ibcp_LoanAndCollection_55e8d2b8-527c-4618-acd5-719653ea8cf4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdvertisingExpense_2972f6e9-e2d2-46c7-a1e2-fdb763e71b1c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AdvertisingExpense"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_e9c345c5-7000-4d51-8730-4d76054dcabf" xlink:to="loc_us-gaap_AdvertisingExpense_2972f6e9-e2d2-46c7-a1e2-fdb763e71b1c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CostsRecoveriesRelatedToUnfundedLendingCommitments_d0a53aed-7cb1-403a-af62-39f0dc1dd7cf" xlink:href="ibcp-20230331.xsd#ibcp_CostsRecoveriesRelatedToUnfundedLendingCommitments"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_e9c345c5-7000-4d51-8730-4d76054dcabf" xlink:to="loc_ibcp_CostsRecoveriesRelatedToUnfundedLendingCommitments_d0a53aed-7cb1-403a-af62-39f0dc1dd7cf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherNoninterestExpense_12ba1b71-8785-44d6-9556-0db08494e8ef" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherNoninterestExpense"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_e9c345c5-7000-4d51-8730-4d76054dcabf" xlink:to="loc_us-gaap_OtherNoninterestExpense_12ba1b71-8785-44d6-9556-0db08494e8ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense_f420848e-be46-4e21-890d-b2f975f1aaf9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoninterestExpense"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_e9c345c5-7000-4d51-8730-4d76054dcabf" xlink:to="loc_us-gaap_NoninterestExpense_f420848e-be46-4e21-890d-b2f975f1aaf9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_118b86a4-42be-4c59-abec-0c3efd46b65b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_db71eb58-33ad-4df5-aae0-835faa569801" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_118b86a4-42be-4c59-abec-0c3efd46b65b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_ff3b6e0f-4142-421a-a0d7-8ac26d2747cf" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_db71eb58-33ad-4df5-aae0-835faa569801" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_ff3b6e0f-4142-421a-a0d7-8ac26d2747cf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_c3d08c94-eb18-45bf-8184-9446af24b24a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_db71eb58-33ad-4df5-aae0-835faa569801" xlink:to="loc_us-gaap_NetIncomeLoss_c3d08c94-eb18-45bf-8184-9446af24b24a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract_c1d0e94f-ec0e-471d-a3f0-2b661fa80c65" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeStatementAbstract_db71eb58-33ad-4df5-aae0-835faa569801" xlink:to="loc_us-gaap_EarningsPerShareAbstract_c1d0e94f-ec0e-471d-a3f0-2b661fa80c65" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasic_8069f259-eef5-4d3c-8ba5-8e67669222f2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EarningsPerShareBasic"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_c1d0e94f-ec0e-471d-a3f0-2b661fa80c65" xlink:to="loc_us-gaap_EarningsPerShareBasic_8069f259-eef5-4d3c-8ba5-8e67669222f2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDiluted_44f99011-765d-4463-8f2f-e3d492df9161" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EarningsPerShareDiluted"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareAbstract_c1d0e94f-ec0e-471d-a3f0-2b661fa80c65" xlink:to="loc_us-gaap_EarningsPerShareDiluted_44f99011-765d-4463-8f2f-e3d492df9161" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/CondensedConsolidatedStatementsofComprehensiveIncomeLoss" xlink:type="simple" xlink:href="ibcp-20230331.xsd#CondensedConsolidatedStatementsofComprehensiveIncomeLoss"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/CondensedConsolidatedStatementsofComprehensiveIncomeLoss" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_b5b13559-e8c6-4e9e-901e-6db17ac5ec29" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_276615dc-7ef1-4bc2-835b-1273e98570db" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_b5b13559-e8c6-4e9e-901e-6db17ac5ec29" xlink:to="loc_us-gaap_NetIncomeLoss_276615dc-7ef1-4bc2-835b-1273e98570db" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract_13dcd5c4-910b-4154-bb68-44ed7cf6b298" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_b5b13559-e8c6-4e9e-901e-6db17ac5ec29" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract_13dcd5c4-910b-4154-bb68-44ed7cf6b298" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract_88be1f41-f6d1-4910-955d-2fafc95ef0db" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract_13dcd5c4-910b-4154-bb68-44ed7cf6b298" xlink:to="loc_us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract_88be1f41-f6d1-4910-955d-2fafc95ef0db" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax_e35e0319-d066-4faf-a73f-18ba9cc489fc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract_88be1f41-f6d1-4910-955d-2fafc95ef0db" xlink:to="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax_e35e0319-d066-4faf-a73f-18ba9cc489fc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciDebtSecuritiesAvailableForSaleTransferToHeldToMaturityAdjustmentFromAociForAmortizationOfGainLossBeforeTax_4f0eb13c-3deb-482e-9a9d-fb266197ed53" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OciDebtSecuritiesAvailableForSaleTransferToHeldToMaturityAdjustmentFromAociForAmortizationOfGainLossBeforeTax"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract_88be1f41-f6d1-4910-955d-2fafc95ef0db" xlink:to="loc_us-gaap_OciDebtSecuritiesAvailableForSaleTransferToHeldToMaturityAdjustmentFromAociForAmortizationOfGainLossBeforeTax_4f0eb13c-3deb-482e-9a9d-fb266197ed53" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax_2084b947-dc10-4ab0-a5bf-7419698e6b52" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract_88be1f41-f6d1-4910-955d-2fafc95ef0db" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax_2084b947-dc10-4ab0-a5bf-7419698e6b52" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax_9ccd69b3-66c1-4628-b29c-d47b1fc944b4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract_88be1f41-f6d1-4910-955d-2fafc95ef0db" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentBeforeTax_9ccd69b3-66c1-4628-b29c-d47b1fc944b4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_df32f18c-d3be-49f8-b174-4483cffde8ac" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract_88be1f41-f6d1-4910-955d-2fafc95ef0db" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesTax_df32f18c-d3be-49f8-b174-4483cffde8ac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_a111deaf-0969-4efa-af13-aa20ce3e3944" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract_88be1f41-f6d1-4910-955d-2fafc95ef0db" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_a111deaf-0969-4efa-af13-aa20ce3e3944" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesBeforeTaxPeriodIncreaseDecreaseAbstract_1bee5ec4-c03a-45bd-92bf-5f405ee6f2db" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesBeforeTaxPeriodIncreaseDecreaseAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract_13dcd5c4-910b-4154-bb68-44ed7cf6b298" xlink:to="loc_us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesBeforeTaxPeriodIncreaseDecreaseAbstract_1bee5ec4-c03a-45bd-92bf-5f405ee6f2db" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax_4a3a77f9-9bf0-4d9f-bcfc-4c94115ccfac" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesBeforeTaxPeriodIncreaseDecreaseAbstract_1bee5ec4-c03a-45bd-92bf-5f405ee6f2db" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax_4a3a77f9-9bf0-4d9f-bcfc-4c94115ccfac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax_2e67bebb-9137-4b2d-9ed7-55c323890052" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesBeforeTaxPeriodIncreaseDecreaseAbstract_1bee5ec4-c03a-45bd-92bf-5f405ee6f2db" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax_2e67bebb-9137-4b2d-9ed7-55c323890052" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationBeforeTaxParent_96256892-88b2-4549-8d60-c98ede11e5db" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationBeforeTaxParent"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesBeforeTaxPeriodIncreaseDecreaseAbstract_1bee5ec4-c03a-45bd-92bf-5f405ee6f2db" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationBeforeTaxParent_96256892-88b2-4549-8d60-c98ede11e5db" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossDerivativeExcludedComponentIncreaseDecreaseAdjustmentsTax_5c60a3f4-63d4-44cd-a3f3-098f88f13261" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossDerivativeExcludedComponentIncreaseDecreaseAdjustmentsTax"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesBeforeTaxPeriodIncreaseDecreaseAbstract_1bee5ec4-c03a-45bd-92bf-5f405ee6f2db" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossDerivativeExcludedComponentIncreaseDecreaseAdjustmentsTax_5c60a3f4-63d4-44cd-a3f3-098f88f13261" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent_4fd85a50-7190-46d6-8140-a8686e7cf823" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesBeforeTaxPeriodIncreaseDecreaseAbstract_1bee5ec4-c03a-45bd-92bf-5f405ee6f2db" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTaxParent_4fd85a50-7190-46d6-8140-a8686e7cf823" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_34f33094-a0f2-44c2-8488-b0431ad07a9c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract_13dcd5c4-910b-4154-bb68-44ed7cf6b298" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_34f33094-a0f2-44c2-8488-b0431ad07a9c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax_6f75c2b2-9749-452c-8f71-9a20e5a675d4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ComprehensiveIncomeNetOfTax"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParentAbstract_13dcd5c4-910b-4154-bb68-44ed7cf6b298" xlink:to="loc_us-gaap_ComprehensiveIncomeNetOfTax_6f75c2b2-9749-452c-8f71-9a20e5a675d4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/CondensedConsolidatedStatementsofCashFlows" xlink:type="simple" xlink:href="ibcp-20230331.xsd#CondensedConsolidatedStatementsofCashFlows"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/CondensedConsolidatedStatementsofCashFlows" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfCashFlowsAbstract_3906b837-69f0-4de1-bb0d-29df3b6e1e0b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementOfCashFlowsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_f1efa0ff-536f-46dd-90f7-2f7a9f5bf242" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_3906b837-69f0-4de1-bb0d-29df3b6e1e0b" xlink:to="loc_us-gaap_NetIncomeLoss_f1efa0ff-536f-46dd-90f7-2f7a9f5bf242" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_e1cdfafd-9f80-401a-8f6e-20f92fbd33a9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_3906b837-69f0-4de1-bb0d-29df3b6e1e0b" xlink:to="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_e1cdfafd-9f80-401a-8f6e-20f92fbd33a9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfLoansHeldForSale_696d1193-0e5e-44a8-baaf-decf23a06dc4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromSaleOfLoansHeldForSale"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_e1cdfafd-9f80-401a-8f6e-20f92fbd33a9" xlink:to="loc_us-gaap_ProceedsFromSaleOfLoansHeldForSale_696d1193-0e5e-44a8-baaf-decf23a06dc4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale_a8ad1fd3-0511-4876-a82d-411e31e84c79" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_e1cdfafd-9f80-401a-8f6e-20f92fbd33a9" xlink:to="loc_us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale_a8ad1fd3-0511-4876-a82d-411e31e84c79" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ProvisionForLossReimbursementOnSoldLoans_959798e2-f781-433e-bdce-d09d81bc68e7" xlink:href="ibcp-20230331.xsd#ibcp_ProvisionForLossReimbursementOnSoldLoans"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_e1cdfafd-9f80-401a-8f6e-20f92fbd33a9" xlink:to="loc_ibcp_ProvisionForLossReimbursementOnSoldLoans_959798e2-f781-433e-bdce-d09d81bc68e7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInDeferredIncomeTaxes_897e238d-bbf0-46d6-8b7b-103c7d621f65" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInDeferredIncomeTaxes"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_e1cdfafd-9f80-401a-8f6e-20f92fbd33a9" xlink:to="loc_us-gaap_IncreaseDecreaseInDeferredIncomeTaxes_897e238d-bbf0-46d6-8b7b-103c7d621f65" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInLoansDeferredIncome_019e7413-03d6-411e-8157-8fbb48c2bfbc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInLoansDeferredIncome"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_e1cdfafd-9f80-401a-8f6e-20f92fbd33a9" xlink:to="loc_us-gaap_IncreaseDecreaseInLoansDeferredIncome_019e7413-03d6-411e-8157-8fbb48c2bfbc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationAmortizationAndAccretionNet_6afdb55c-4808-48a1-bc6c-791276a5449c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DepreciationAmortizationAndAccretionNet"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_e1cdfafd-9f80-401a-8f6e-20f92fbd33a9" xlink:to="loc_us-gaap_DepreciationAmortizationAndAccretionNet_6afdb55c-4808-48a1-bc6c-791276a5449c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSalesOfLoansNet_51edee49-f9e0-4a8c-8887-8b16505aa874" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GainLossOnSalesOfLoansNet"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_e1cdfafd-9f80-401a-8f6e-20f92fbd33a9" xlink:to="loc_us-gaap_GainLossOnSalesOfLoansNet_51edee49-f9e0-4a8c-8887-8b16505aa874" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MarketableSecuritiesGainLossExcludingOtherThanTemporaryImpairments_9524e1fa-394f-4d7d-9bec-ad3c53c0562a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MarketableSecuritiesGainLossExcludingOtherThanTemporaryImpairments"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_e1cdfafd-9f80-401a-8f6e-20f92fbd33a9" xlink:to="loc_us-gaap_MarketableSecuritiesGainLossExcludingOtherThanTemporaryImpairments_9524e1fa-394f-4d7d-9bec-ad3c53c0562a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation_4fd5e9b7-1097-4fcc-94c6-f6a4a60443e2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensation"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_e1cdfafd-9f80-401a-8f6e-20f92fbd33a9" xlink:to="loc_us-gaap_ShareBasedCompensation_4fd5e9b7-1097-4fcc-94c6-f6a4a60443e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_e3e5b15a-63b9-4a4d-abc9-c77c9c3d20dd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_e1cdfafd-9f80-401a-8f6e-20f92fbd33a9" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_e3e5b15a-63b9-4a4d-abc9-c77c9c3d20dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities_c122e02d-caa8-4347-8a8b-beac6c3bc0b8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_e1cdfafd-9f80-401a-8f6e-20f92fbd33a9" xlink:to="loc_us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities_c122e02d-caa8-4347-8a8b-beac6c3bc0b8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_94c61cec-60db-4786-bf09-c2ae000bebc2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_e1cdfafd-9f80-401a-8f6e-20f92fbd33a9" xlink:to="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_94c61cec-60db-4786-bf09-c2ae000bebc2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_d1032043-03da-4789-8d37-3d2b1f9c8020" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_3906b837-69f0-4de1-bb0d-29df3b6e1e0b" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_d1032043-03da-4789-8d37-3d2b1f9c8020" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_7f8d732d-c3ce-443e-9395-d4f8c7c80837" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_3906b837-69f0-4de1-bb0d-29df3b6e1e0b" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_7f8d732d-c3ce-443e-9395-d4f8c7c80837" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_f2b6b7e4-0235-4d88-9c14-74c105368378" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_7f8d732d-c3ce-443e-9395-d4f8c7c80837" xlink:to="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_f2b6b7e4-0235-4d88-9c14-74c105368378" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_dbc4c6f8-71be-4c8d-8f5c-855e1e8ddf79" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_7f8d732d-c3ce-443e-9395-d4f8c7c80837" xlink:to="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_dbc4c6f8-71be-4c8d-8f5c-855e1e8ddf79" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities_eccc3e61-613a-4b8a-9502-2b4b58f307a0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_7f8d732d-c3ce-443e-9395-d4f8c7c80837" xlink:to="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities_eccc3e61-613a-4b8a-9502-2b4b58f307a0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireHeldToMaturitySecurities_70922b55-2c54-41a3-8f80-6b57de929599" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsToAcquireHeldToMaturitySecurities"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_7f8d732d-c3ce-443e-9395-d4f8c7c80837" xlink:to="loc_us-gaap_PaymentsToAcquireHeldToMaturitySecurities_70922b55-2c54-41a3-8f80-6b57de929599" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_58aeb056-f757-4346-abe2-026b12be7ecc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_7f8d732d-c3ce-443e-9395-d4f8c7c80837" xlink:to="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_58aeb056-f757-4346-abe2-026b12be7ecc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock_daef7b08-d116-4e06-b2bb-a2bff7741486" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_7f8d732d-c3ce-443e-9395-d4f8c7c80837" xlink:to="loc_us-gaap_ProceedsFromSaleOfFederalHomeLoanBankStock_daef7b08-d116-4e06-b2bb-a2bff7741486" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_NetIncreaseDecreaseOfPortfolioLoansOriginatedNetOfPrincipalPayments_f51ea95b-4900-46d7-afc2-390669022c08" xlink:href="ibcp-20230331.xsd#ibcp_NetIncreaseDecreaseOfPortfolioLoansOriginatedNetOfPrincipalPayments"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_7f8d732d-c3ce-443e-9395-d4f8c7c80837" xlink:to="loc_ibcp_NetIncreaseDecreaseOfPortfolioLoansOriginatedNetOfPrincipalPayments_f51ea95b-4900-46d7-afc2-390669022c08" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfLoansHeldForInvestment_2e294e9a-97e1-4b27-91e9-bd99db208de4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromSaleOfLoansHeldForInvestment"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_7f8d732d-c3ce-443e-9395-d4f8c7c80837" xlink:to="loc_us-gaap_ProceedsFromSaleOfLoansHeldForInvestment_2e294e9a-97e1-4b27-91e9-bd99db208de4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromLifeInsurancePolicies_08b3ad82-5894-48ac-928a-86e13688cc40" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromLifeInsurancePolicies"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_7f8d732d-c3ce-443e-9395-d4f8c7c80837" xlink:to="loc_us-gaap_ProceedsFromLifeInsurancePolicies_08b3ad82-5894-48ac-928a-86e13688cc40" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfForeclosedAssets_8fadd640-417e-4c0f-902c-bf9e92cdcd50" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromSaleOfForeclosedAssets"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_7f8d732d-c3ce-443e-9395-d4f8c7c80837" xlink:to="loc_us-gaap_ProceedsFromSaleOfForeclosedAssets_8fadd640-417e-4c0f-902c-bf9e92cdcd50" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_3852cdc8-1c62-4f40-b429-633173fbaf8f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_7f8d732d-c3ce-443e-9395-d4f8c7c80837" xlink:to="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_3852cdc8-1c62-4f40-b429-633173fbaf8f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_906ace25-3198-42d9-a9f2-fdce2aa7f71f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_7f8d732d-c3ce-443e-9395-d4f8c7c80837" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_906ace25-3198-42d9-a9f2-fdce2aa7f71f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_49a4122e-217a-4f6c-b890-b1438786407f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_3906b837-69f0-4de1-bb0d-29df3b6e1e0b" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_49a4122e-217a-4f6c-b890-b1438786407f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInDeposits_b7d9df8b-691c-4766-90f0-366f8ac0c2b3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInDeposits"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_49a4122e-217a-4f6c-b890-b1438786407f" xlink:to="loc_us-gaap_IncreaseDecreaseInDeposits_b7d9df8b-691c-4766-90f0-366f8ac0c2b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromRepaymentsOfOtherDebt_834ccebb-849d-4977-94dd-700e09d303bf" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromRepaymentsOfOtherDebt"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_49a4122e-217a-4f6c-b890-b1438786407f" xlink:to="loc_us-gaap_ProceedsFromRepaymentsOfOtherDebt_834ccebb-849d-4977-94dd-700e09d303bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromFederalHomeLoanBankBorrowings_4a1f456f-7a8d-4b99-a905-3290861ed1ef" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromFederalHomeLoanBankBorrowings"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_49a4122e-217a-4f6c-b890-b1438786407f" xlink:to="loc_us-gaap_ProceedsFromFederalHomeLoanBankBorrowings_4a1f456f-7a8d-4b99-a905-3290861ed1ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings_f4654a7b-a391-4092-a9f3-983dbdf818c8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_49a4122e-217a-4f6c-b890-b1438786407f" xlink:to="loc_us-gaap_RepaymentsOfFederalHomeLoanBankBorrowings_f4654a7b-a391-4092-a9f3-983dbdf818c8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividends_64232e5d-740b-449f-bf1c-3ba01df3bcc2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsOfDividends"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_49a4122e-217a-4f6c-b890-b1438786407f" xlink:to="loc_us-gaap_PaymentsOfDividends_64232e5d-740b-449f-bf1c-3ba01df3bcc2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfCommonStock_429e37ca-5100-4152-bd54-c1ccce879b63" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromIssuanceOfCommonStock"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_49a4122e-217a-4f6c-b890-b1438786407f" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfCommonStock_429e37ca-5100-4152-bd54-c1ccce879b63" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_dd0ce07a-9106-43de-b767-5391500a8626" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_49a4122e-217a-4f6c-b890-b1438786407f" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_dd0ce07a-9106-43de-b767-5391500a8626" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_e9d20fba-d726-46f5-9da7-20c3ec5b4a35" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_49a4122e-217a-4f6c-b890-b1438786407f" xlink:to="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_e9d20fba-d726-46f5-9da7-20c3ec5b4a35" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_07d24681-2c89-4898-b58c-af7330a5c13a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_49a4122e-217a-4f6c-b890-b1438786407f" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_07d24681-2c89-4898-b58c-af7330a5c13a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect_6b6c1a51-1dc0-4b47-90a9-eb0997bb0582" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_3906b837-69f0-4de1-bb0d-29df3b6e1e0b" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect_6b6c1a51-1dc0-4b47-90a9-eb0997bb0582" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_c39e2320-d3b0-4957-9e30-a5f6e3fa38f0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_3906b837-69f0-4de1-bb0d-29df3b6e1e0b" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_c39e2320-d3b0-4957-9e30-a5f6e3fa38f0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_86d8ff9d-a5b2-4344-a939-a4bbfd0ae85a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_3906b837-69f0-4de1-bb0d-29df3b6e1e0b" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_86d8ff9d-a5b2-4344-a939-a4bbfd0ae85a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalCashFlowInformationAbstract_e0529e5b-3d5c-4e94-945d-5a34998a3491" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SupplementalCashFlowInformationAbstract"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_3906b837-69f0-4de1-bb0d-29df3b6e1e0b" xlink:to="loc_us-gaap_SupplementalCashFlowInformationAbstract_e0529e5b-3d5c-4e94-945d-5a34998a3491" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPaidNet_f6cbfab7-2cee-4954-96d1-6b6b8d9fd8bb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestPaidNet"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract_e0529e5b-3d5c-4e94-945d-5a34998a3491" xlink:to="loc_us-gaap_InterestPaidNet_f6cbfab7-2cee-4954-96d1-6b6b8d9fd8bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxesPaid_ce3e29a4-815a-4a22-b8d4-fd5d5b1e021f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxesPaid"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract_e0529e5b-3d5c-4e94-945d-5a34998a3491" xlink:to="loc_us-gaap_IncomeTaxesPaid_ce3e29a4-815a-4a22-b8d4-fd5d5b1e021f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransferOfOtherRealEstate_5d72c095-d8ec-41d9-85ed-39a137c8bb53" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransferOfOtherRealEstate"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract_e0529e5b-3d5c-4e94-945d-5a34998a3491" xlink:to="loc_us-gaap_TransferOfOtherRealEstate_5d72c095-d8ec-41d9-85ed-39a137c8bb53" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability_7f78cdb0-7936-4704-a377-f7c0b1a69cbe" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract_e0529e5b-3d5c-4e94-945d-5a34998a3491" xlink:to="loc_us-gaap_RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability_7f78cdb0-7936-4704-a377-f7c0b1a69cbe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_PurchaseOfSecuritiesAvailableForSaleNotYetSettled_6ee93d01-aabb-4c5c-9592-82b784f2c901" xlink:href="ibcp-20230331.xsd#ibcp_PurchaseOfSecuritiesAvailableForSaleNotYetSettled"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract_e0529e5b-3d5c-4e94-945d-5a34998a3491" xlink:to="loc_ibcp_PurchaseOfSecuritiesAvailableForSaleNotYetSettled_6ee93d01-aabb-4c5c-9592-82b784f2c901" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/CondensedConsolidatedStatementsofShareholdersEquity" xlink:type="simple" xlink:href="ibcp-20230331.xsd#CondensedConsolidatedStatementsofShareholdersEquity"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/CondensedConsolidatedStatementsofShareholdersEquity" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfStockholdersEquityAbstract_412cccc9-4e5f-41e4-ad25-5a412ab31d3f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementOfStockholdersEquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_12e336aa-626f-4d63-8259-fd2e8601fce6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfStockholdersEquityAbstract_412cccc9-4e5f-41e4-ad25-5a412ab31d3f" xlink:to="loc_us-gaap_StatementTable_12e336aa-626f-4d63-8259-fd2e8601fce6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_31c50e7d-bd22-41e2-bcf6-48140f0c4b66" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_12e336aa-626f-4d63-8259-fd2e8601fce6" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_31c50e7d-bd22-41e2-bcf6-48140f0c4b66" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_a40b1997-519e-454a-9d69-a8dff9aadd94" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquityComponentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_31c50e7d-bd22-41e2-bcf6-48140f0c4b66" xlink:to="loc_us-gaap_EquityComponentDomain_a40b1997-519e-454a-9d69-a8dff9aadd94" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_c122c3bc-4b6b-44d8-a5b4-d8eec7cb2395" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_a40b1997-519e-454a-9d69-a8dff9aadd94" xlink:to="loc_us-gaap_CommonStockMember_c122c3bc-4b6b-44d8-a5b4-d8eec7cb2395" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsMember_0dba2ff9-30d8-4846-b6d3-4896031f0d8e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RetainedEarningsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_a40b1997-519e-454a-9d69-a8dff9aadd94" xlink:to="loc_us-gaap_RetainedEarningsMember_0dba2ff9-30d8-4846-b6d3-4896031f0d8e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_785e368a-23d3-4252-a3a2-30a1ed8a8bf2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_a40b1997-519e-454a-9d69-a8dff9aadd94" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_785e368a-23d3-4252-a3a2-30a1ed8a8bf2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_4cd2e591-50ec-4400-a9ac-5861c3db92dc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_12e336aa-626f-4d63-8259-fd2e8601fce6" xlink:to="loc_us-gaap_StatementLineItems_4cd2e591-50ec-4400-a9ac-5861c3db92dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d1fa0fbf-63dd-4005-87ad-9e4d844831e8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInStockholdersEquityRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_4cd2e591-50ec-4400-a9ac-5861c3db92dc" xlink:to="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d1fa0fbf-63dd-4005-87ad-9e4d844831e8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_56856ebf-a098-4619-ba5f-1cc5a18b023b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockholdersEquity"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d1fa0fbf-63dd-4005-87ad-9e4d844831e8" xlink:to="loc_us-gaap_StockholdersEquity_56856ebf-a098-4619-ba5f-1cc5a18b023b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_75155465-d6b3-4eb5-826d-dd89d5958e72" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d1fa0fbf-63dd-4005-87ad-9e4d844831e8" xlink:to="loc_us-gaap_NetIncomeLoss_75155465-d6b3-4eb5-826d-dd89d5958e72" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsCommonStockCash_8f877f12-53e2-4207-b5c7-74f7770703d8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DividendsCommonStockCash"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d1fa0fbf-63dd-4005-87ad-9e4d844831e8" xlink:to="loc_us-gaap_DividendsCommonStockCash_8f877f12-53e2-4207-b5c7-74f7770703d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchasedDuringPeriodValue_66f6e3b9-fa86-4493-9697-c372cb7ff857" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockRepurchasedDuringPeriodValue"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d1fa0fbf-63dd-4005-87ad-9e4d844831e8" xlink:to="loc_us-gaap_StockRepurchasedDuringPeriodValue_66f6e3b9-fa86-4493-9697-c372cb7ff857" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueNewIssues_aff26c48-28ef-43c1-a71b-52f2cbc58c90" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockIssuedDuringPeriodValueNewIssues"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d1fa0fbf-63dd-4005-87ad-9e4d844831e8" xlink:to="loc_us-gaap_StockIssuedDuringPeriodValueNewIssues_aff26c48-28ef-43c1-a71b-52f2cbc58c90" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation_bf9bef2a-d1a3-448c-ae10-702832dabfc0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d1fa0fbf-63dd-4005-87ad-9e4d844831e8" xlink:to="loc_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation_bf9bef2a-d1a3-448c-ae10-702832dabfc0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation_3d4a8a65-cb68-47f1-bdb4-1091fbfeb13c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d1fa0fbf-63dd-4005-87ad-9e4d844831e8" xlink:to="loc_us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation_3d4a8a65-cb68-47f1-bdb4-1091fbfeb13c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_7b4db7ac-7c36-4fd8-ace5-8a90a8feb82b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d1fa0fbf-63dd-4005-87ad-9e4d844831e8" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_7b4db7ac-7c36-4fd8-ace5-8a90a8feb82b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_b934ef78-500f-48d9-aa82-9a75f2e7c2a5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockholdersEquity"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_d1fa0fbf-63dd-4005-87ad-9e4d844831e8" xlink:to="loc_us-gaap_StockholdersEquity_b934ef78-500f-48d9-aa82-9a75f2e7c2a5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/CondensedConsolidatedStatementsofShareholdersEquityParenthetical" xlink:type="simple" xlink:href="ibcp-20230331.xsd#CondensedConsolidatedStatementsofShareholdersEquityParenthetical"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/CondensedConsolidatedStatementsofShareholdersEquityParenthetical" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfStockholdersEquityAbstract_2fad6805-8c3d-4ebe-8a82-a6d7a4d2814f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementOfStockholdersEquityAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockDividendsPerShareDeclared_6808c6bc-6094-4813-98bf-6a070e5814b6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockDividendsPerShareDeclared"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfStockholdersEquityAbstract_2fad6805-8c3d-4ebe-8a82-a6d7a4d2814f" xlink:to="loc_us-gaap_CommonStockDividendsPerShareDeclared_6808c6bc-6094-4813-98bf-6a070e5814b6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchasedDuringPeriodShares_c86bac71-93e6-4dd4-8498-9ef8f78f7ea4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockRepurchasedDuringPeriodShares"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfStockholdersEquityAbstract_2fad6805-8c3d-4ebe-8a82-a6d7a4d2814f" xlink:to="loc_us-gaap_StockRepurchasedDuringPeriodShares_c86bac71-93e6-4dd4-8498-9ef8f78f7ea4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesNewIssues_1624591f-b717-4e5b-b5cf-87b1c52b1a22" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockIssuedDuringPeriodSharesNewIssues"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfStockholdersEquityAbstract_2fad6805-8c3d-4ebe-8a82-a6d7a4d2814f" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesNewIssues_1624591f-b717-4e5b-b5cf-87b1c52b1a22" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation_4be762a4-df8e-4bb7-bd95-b0f22c6a07d4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfStockholdersEquityAbstract_2fad6805-8c3d-4ebe-8a82-a6d7a4d2814f" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation_4be762a4-df8e-4bb7-bd95-b0f22c6a07d4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation_6592dd11-ede6-4555-82d8-706a92ef6186" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementOfStockholdersEquityAbstract_2fad6805-8c3d-4ebe-8a82-a6d7a4d2814f" xlink:to="loc_us-gaap_SharesPaidForTaxWithholdingForShareBasedCompensation_6592dd11-ede6-4555-82d8-706a92ef6186" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/PreparationofFinancialStatements" xlink:type="simple" xlink:href="ibcp-20230331.xsd#PreparationofFinancialStatements"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/PreparationofFinancialStatements" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_e62e848b-f3aa-4ea2-b041-fadcb9b76cd7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureAndSignificantAccountingPoliciesTextBlock_8ce47ef0-b3db-426e-a695-f03e237a7dd9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureAndSignificantAccountingPoliciesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_e62e848b-f3aa-4ea2-b041-fadcb9b76cd7" xlink:to="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureAndSignificantAccountingPoliciesTextBlock_8ce47ef0-b3db-426e-a695-f03e237a7dd9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/NewAccountingStandards" xlink:type="simple" xlink:href="ibcp-20230331.xsd#NewAccountingStandards"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/NewAccountingStandards" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesAbstract_6825fc85-1011-4000-866f-851f19aaabea" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock_b160cf48-7e9a-4545-9d47-675e6f6d0620" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesAbstract_6825fc85-1011-4000-866f-851f19aaabea" xlink:to="loc_us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock_b160cf48-7e9a-4545-9d47-675e6f6d0620" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/Securities" xlink:type="simple" xlink:href="ibcp-20230331.xsd#Securities"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/Securities" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_b076a56a-4212-462d-ae80-05da5a031fba" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_9538923a-8b68-4092-8da3-30c38cc3d3c1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_b076a56a-4212-462d-ae80-05da5a031fba" xlink:to="loc_us-gaap_InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock_9538923a-8b68-4092-8da3-30c38cc3d3c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/Loans" xlink:type="simple" xlink:href="ibcp-20230331.xsd#Loans"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/Loans" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_a9a46c7c-78b6-4cfb-b135-c2a268323873" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock_2829df4a-5163-46af-b090-f17306992fe3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_a9a46c7c-78b6-4cfb-b135-c2a268323873" xlink:to="loc_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock_2829df4a-5163-46af-b090-f17306992fe3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/ShareholdersEquityandEarningsPerCommonShare" xlink:type="simple" xlink:href="ibcp-20230331.xsd#ShareholdersEquityandEarningsPerCommonShare"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/ShareholdersEquityandEarningsPerCommonShare" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityNoteAbstract_6d698a60-3574-4146-adb1-6aec5837dc04" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockholdersEquityNoteAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityNoteDisclosureTextBlock_d9fed44e-6c6f-46c3-ae6e-4311518f6540" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockholdersEquityNoteDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityNoteAbstract_6d698a60-3574-4146-adb1-6aec5837dc04" xlink:to="loc_us-gaap_StockholdersEquityNoteDisclosureTextBlock_d9fed44e-6c6f-46c3-ae6e-4311518f6540" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/DerivativeFinancialInstruments" xlink:type="simple" xlink:href="ibcp-20230331.xsd#DerivativeFinancialInstruments"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/DerivativeFinancialInstruments" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_28558448-1e8a-46fe-b04c-9a8db657e382" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock_6749ea89-1a8f-41b7-9e7f-c700d6a479f8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_28558448-1e8a-46fe-b04c-9a8db657e382" xlink:to="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock_6749ea89-1a8f-41b7-9e7f-c700d6a479f8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/GoodwillandOtherIntangibles" xlink:type="simple" xlink:href="ibcp-20230331.xsd#GoodwillandOtherIntangibles"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/GoodwillandOtherIntangibles" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_79e0df2c-4d7c-4f76-99d7-47b1b99a6847" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock_fa858d2c-19a6-4228-8231-6ba36c374c2e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_79e0df2c-4d7c-4f76-99d7-47b1b99a6847" xlink:to="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock_fa858d2c-19a6-4228-8231-6ba36c374c2e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/ShareBasedCompensation" xlink:type="simple" xlink:href="ibcp-20230331.xsd#ShareBasedCompensation"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/ShareBasedCompensation" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_209fef14-4ba0-4f4c-870e-af1a190eeb8a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock_41cc096b-2d4b-4a4f-8328-9f6842a52e8f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_209fef14-4ba0-4f4c-870e-af1a190eeb8a" xlink:to="loc_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock_41cc096b-2d4b-4a4f-8328-9f6842a52e8f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/IncomeTax" xlink:type="simple" xlink:href="ibcp-20230331.xsd#IncomeTax"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/IncomeTax" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_aec38577-fa85-4e5f-815e-3993baa82b14" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureTextBlock_51b88311-7ab5-4b0f-a804-ea1c5bde9ba0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_aec38577-fa85-4e5f-815e-3993baa82b14" xlink:to="loc_us-gaap_IncomeTaxDisclosureTextBlock_51b88311-7ab5-4b0f-a804-ea1c5bde9ba0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/RegulatoryMatters" xlink:type="simple" xlink:href="ibcp-20230331.xsd#RegulatoryMatters"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/RegulatoryMatters" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_RegulatoryMattersAbstract_19571ad4-9140-4406-ba12-42433bb398a3" xlink:href="ibcp-20230331.xsd#ibcp_RegulatoryMattersAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_0f0115e1-a493-4739-af13-6b489f8c9f2c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_RegulatoryMattersAbstract_19571ad4-9140-4406-ba12-42433bb398a3" xlink:to="loc_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_0f0115e1-a493-4739-af13-6b489f8c9f2c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/FairValueDisclosures" xlink:type="simple" xlink:href="ibcp-20230331.xsd#FairValueDisclosures"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/FairValueDisclosures" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_330c502e-ef8c-4182-899f-f212e31a0a97" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresTextBlock_af258d80-3f6e-4018-a291-8d4070902805" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueDisclosuresTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_330c502e-ef8c-4182-899f-f212e31a0a97" xlink:to="loc_us-gaap_FairValueDisclosuresTextBlock_af258d80-3f6e-4018-a291-8d4070902805" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/FairValuesofFinancialInstruments" xlink:type="simple" xlink:href="ibcp-20230331.xsd#FairValuesofFinancialInstruments"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/FairValuesofFinancialInstruments" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FairValuesOfFinancialInstrumentsAbstract_db0532f4-9f00-4fc2-bbe3-89ffd66a2411" xlink:href="ibcp-20230331.xsd#ibcp_FairValuesOfFinancialInstrumentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentsDisclosureTextBlock_52819613-cd41-4658-8b9b-f1519e869df7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentsDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_FairValuesOfFinancialInstrumentsAbstract_db0532f4-9f00-4fc2-bbe3-89ffd66a2411" xlink:to="loc_us-gaap_FinancialInstrumentsDisclosureTextBlock_52819613-cd41-4658-8b9b-f1519e869df7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/Contingencies" xlink:type="simple" xlink:href="ibcp-20230331.xsd#Contingencies"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/Contingencies" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_2b78dafe-8ea2-44cd-b0f4-875aa043c791" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_2b65449c-10a8-42e6-85c4-6de65a420ecc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommitmentsAndContingenciesDisclosureTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_2b78dafe-8ea2-44cd-b0f4-875aa043c791" xlink:to="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_2b65449c-10a8-42e6-85c4-6de65a420ecc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/AccumulatedOtherComprehensiveIncomeLossAOCIL" xlink:type="simple" xlink:href="ibcp-20230331.xsd#AccumulatedOtherComprehensiveIncomeLossAOCIL"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/AccumulatedOtherComprehensiveIncomeLossAOCIL" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_8b05e55e-766b-4bb1-8e75-927dd4cc2f23" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNoteTextBlock_6ec2842e-149b-4fe4-85ea-64e7c3dd80c5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ComprehensiveIncomeNoteTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_8b05e55e-766b-4bb1-8e75-927dd4cc2f23" xlink:to="loc_us-gaap_ComprehensiveIncomeNoteTextBlock_6ec2842e-149b-4fe4-85ea-64e7c3dd80c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/RevenuefromContractswithCustomers" xlink:type="simple" xlink:href="ibcp-20230331.xsd#RevenuefromContractswithCustomers"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/RevenuefromContractswithCustomers" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerAbstract_015f01d9-3c44-4cc4-90bd-79d6c2d01de7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RevenueFromContractWithCustomerAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerTextBlock_a10983b2-c4d0-497a-b115-92d2f683a8d4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RevenueFromContractWithCustomerTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract_015f01d9-3c44-4cc4-90bd-79d6c2d01de7" xlink:to="loc_us-gaap_RevenueFromContractWithCustomerTextBlock_a10983b2-c4d0-497a-b115-92d2f683a8d4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/Leases" xlink:type="simple" xlink:href="ibcp-20230331.xsd#Leases"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/Leases" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeasesAbstract_61fbd50a-6cda-4665-844d-07f8cb24c4b6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LeasesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeasesTextBlock_d674489e-a8f2-42aa-86dc-ee56acc007c5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeasesTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_61fbd50a-6cda-4665-844d-07f8cb24c4b6" xlink:to="loc_us-gaap_LesseeOperatingLeasesTextBlock_d674489e-a8f2-42aa-86dc-ee56acc007c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/NewAccountingStandardsPolicies" xlink:type="simple" xlink:href="ibcp-20230331.xsd#NewAccountingStandardsPolicies"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/NewAccountingStandardsPolicies" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesAbstract_c26f7dd9-f48a-42d0-b524-b47a706edb52" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_39431af2-a353-4014-98ea-4a1a2c5109b2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesAbstract_c26f7dd9-f48a-42d0-b524-b47a706edb52" xlink:to="loc_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_39431af2-a353-4014-98ea-4a1a2c5109b2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/SecuritiesTables" xlink:type="simple" xlink:href="ibcp-20230331.xsd#SecuritiesTables"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/SecuritiesTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_2344fd35-7d58-4b57-8672-03bed755ae1b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock_5038725b-c6b4-416c-b286-5d9a6ef49a8b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_2344fd35-7d58-4b57-8672-03bed755ae1b" xlink:to="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesReconciliationTableTextBlock_5038725b-c6b4-416c-b286-5d9a6ef49a8b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesTextBlock_e129e1f4-9119-4430-a45b-480c97422bda" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HeldToMaturitySecuritiesTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_2344fd35-7d58-4b57-8672-03bed755ae1b" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesTextBlock_e129e1f4-9119-4430-a45b-480c97422bda" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock_bfad6cda-c549-40e2-8e73-17adc9011790" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_2344fd35-7d58-4b57-8672-03bed755ae1b" xlink:to="loc_us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock_bfad6cda-c549-40e2-8e73-17adc9011790" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityCreditQualityIndicatorTableTextBlock_c2dd0c3b-7159-4a5d-a610-c201ab10ba32" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesHeldToMaturityCreditQualityIndicatorTableTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_2344fd35-7d58-4b57-8672-03bed755ae1b" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityCreditQualityIndicatorTableTextBlock_c2dd0c3b-7159-4a5d-a610-c201ab10ba32" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossTableTextBlock_2b2ce01f-3f09-4734-9fb2-9045d4ddb554" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossTableTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_2344fd35-7d58-4b57-8672-03bed755ae1b" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossTableTextBlock_2b2ce01f-3f09-4734-9fb2-9045d4ddb554" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock_0a4681ee-f189-4eb8-bab0-409ae7fd7c0e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_2344fd35-7d58-4b57-8672-03bed755ae1b" xlink:to="loc_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock_0a4681ee-f189-4eb8-bab0-409ae7fd7c0e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfRealizedGainLossTableTextBlock_53d8a09a-1056-4f15-87b4-ce4a14e068a4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfRealizedGainLossTableTextBlock"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_2344fd35-7d58-4b57-8672-03bed755ae1b" xlink:to="loc_us-gaap_ScheduleOfRealizedGainLossTableTextBlock_53d8a09a-1056-4f15-87b4-ce4a14e068a4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/LoansTables" xlink:type="simple" xlink:href="ibcp-20230331.xsd#LoansTables"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/LoansTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_def9a882-be5b-42c6-92ec-ce5b57d90d3c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfCreditLossesForFinancingReceivablesCurrentTableTextBlock_72b4049e-c119-4aa5-8bc0-8140f54fdfb0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfCreditLossesForFinancingReceivablesCurrentTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_def9a882-be5b-42c6-92ec-ce5b57d90d3c" xlink:to="loc_us-gaap_ScheduleOfCreditLossesForFinancingReceivablesCurrentTableTextBlock_72b4049e-c119-4aa5-8bc0-8140f54fdfb0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock_405f1fcc-5ef6-4f8f-930e-55e6ebc9b1ae" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_def9a882-be5b-42c6-92ec-ce5b57d90d3c" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock_405f1fcc-5ef6-4f8f-930e-55e6ebc9b1ae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_AmortizedCostOfCollateralDependentLoansByClassTableTextBlock_d43d1f7b-39bf-4194-9035-2c057c56291b" xlink:href="ibcp-20230331.xsd#ibcp_AmortizedCostOfCollateralDependentLoansByClassTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_def9a882-be5b-42c6-92ec-ce5b57d90d3c" xlink:to="loc_ibcp_AmortizedCostOfCollateralDependentLoansByClassTableTextBlock_d43d1f7b-39bf-4194-9035-2c057c56291b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PastDueFinancingReceivablesTableTextBlock_c346f84e-427e-4029-a259-d84ab7e9c472" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PastDueFinancingReceivablesTableTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_def9a882-be5b-42c6-92ec-ce5b57d90d3c" xlink:to="loc_us-gaap_PastDueFinancingReceivablesTableTextBlock_c346f84e-427e-4029-a259-d84ab7e9c472" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_8ee29834-9b39-44f4-91fd-8b4a949133a2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_def9a882-be5b-42c6-92ec-ce5b57d90d3c" xlink:to="loc_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_8ee29834-9b39-44f4-91fd-8b4a949133a2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/ShareholdersEquityandEarningsPerCommonShareTables" xlink:type="simple" xlink:href="ibcp-20230331.xsd#ShareholdersEquityandEarningsPerCommonShareTables"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/ShareholdersEquityandEarningsPerCommonShareTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityNoteAbstract_7f632c4a-331b-4d90-9d4c-8ccd1e6144b8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockholdersEquityNoteAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_a10c1edb-c666-45ae-a7e5-f5a8e7e67ab4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityNoteAbstract_7f632c4a-331b-4d90-9d4c-8ccd1e6144b8" xlink:to="loc_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_a10c1edb-c666-45ae-a7e5-f5a8e7e67ab4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/DerivativeFinancialInstrumentsTables" xlink:type="simple" xlink:href="ibcp-20230331.xsd#DerivativeFinancialInstrumentsTables"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/DerivativeFinancialInstrumentsTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_4937fada-cd22-4fae-a138-75e8541b4e28" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DerivativeFinancialInstrumentsAccordingToTypeOfHedgeDesignationTableTextBlock_0983232a-4707-4c34-9e87-4a151edb09ef" xlink:href="ibcp-20230331.xsd#ibcp_DerivativeFinancialInstrumentsAccordingToTypeOfHedgeDesignationTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_4937fada-cd22-4fae-a138-75e8541b4e28" xlink:to="loc_ibcp_DerivativeFinancialInstrumentsAccordingToTypeOfHedgeDesignationTableTextBlock_0983232a-4707-4c34-9e87-4a151edb09ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock_d02e0f03-020e-429e-9065-496be027d7a5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_4937fada-cd22-4fae-a138-75e8541b4e28" xlink:to="loc_us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock_d02e0f03-020e-429e-9065-496be027d7a5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock_733cef7b-3a16-4257-9787-0930a0674855" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_4937fada-cd22-4fae-a138-75e8541b4e28" xlink:to="loc_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock_733cef7b-3a16-4257-9787-0930a0674855" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/GoodwillandOtherIntangiblesTables" xlink:type="simple" xlink:href="ibcp-20230331.xsd#GoodwillandOtherIntangiblesTables"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/GoodwillandOtherIntangiblesTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_e27369a5-88c5-4474-8d71-50dcb5ce394b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetsByMajorClassTextBlock_6a0c1b0c-0cf9-4678-8287-b6c482c3d6bc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetsByMajorClassTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_e27369a5-88c5-4474-8d71-50dcb5ce394b" xlink:to="loc_us-gaap_ScheduleOfAcquiredFiniteLivedIntangibleAssetsByMajorClassTextBlock_6a0c1b0c-0cf9-4678-8287-b6c482c3d6bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock_5f661794-0c2f-4d43-96b1-661344650915" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_e27369a5-88c5-4474-8d71-50dcb5ce394b" xlink:to="loc_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock_5f661794-0c2f-4d43-96b1-661344650915" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/ShareBasedCompensationTables" xlink:type="simple" xlink:href="ibcp-20230331.xsd#ShareBasedCompensationTables"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/ShareBasedCompensationTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_21a2cf5b-183e-4f94-8ddb-db6fbe93e431" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ShareBasedPaymentArrangementRestrictedStockAndPerformanceStockUnitsGrantedTableTextBlock_f42af256-867c-41c6-9e74-edbc1fdb5958" xlink:href="ibcp-20230331.xsd#ibcp_ShareBasedPaymentArrangementRestrictedStockAndPerformanceStockUnitsGrantedTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_21a2cf5b-183e-4f94-8ddb-db6fbe93e431" xlink:to="loc_ibcp_ShareBasedPaymentArrangementRestrictedStockAndPerformanceStockUnitsGrantedTableTextBlock_f42af256-867c-41c6-9e74-edbc1fdb5958" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock_4b1679db-60c4-4820-8686-ba9579b7bc58" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_21a2cf5b-183e-4f94-8ddb-db6fbe93e431" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock_4b1679db-60c4-4820-8686-ba9579b7bc58" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock_487435e2-3726-41de-a150-1f97b1a6387c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_21a2cf5b-183e-4f94-8ddb-db6fbe93e431" xlink:to="loc_us-gaap_ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock_487435e2-3726-41de-a150-1f97b1a6387c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashProceedsReceivedAndTaxBenefitFromShareBasedPaymentAwardsTableTextBlock_7276091c-269e-480f-b430-39cb4f1ae308" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CashProceedsReceivedAndTaxBenefitFromShareBasedPaymentAwardsTableTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_21a2cf5b-183e-4f94-8ddb-db6fbe93e431" xlink:to="loc_us-gaap_CashProceedsReceivedAndTaxBenefitFromShareBasedPaymentAwardsTableTextBlock_7276091c-269e-480f-b430-39cb4f1ae308" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/RegulatoryMattersTables" xlink:type="simple" xlink:href="ibcp-20230331.xsd#RegulatoryMattersTables"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/RegulatoryMattersTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_RegulatoryMattersAbstract_f5fda548-d1a2-41d1-bd2d-e2c7ad93584c" xlink:href="ibcp-20230331.xsd#ibcp_RegulatoryMattersAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_d0b1b3ac-46f4-4771-a1bd-c314cc7bb359" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_RegulatoryMattersAbstract_f5fda548-d1a2-41d1-bd2d-e2c7ad93584c" xlink:to="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock_d0b1b3ac-46f4-4771-a1bd-c314cc7bb359" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ComponentsOfRegulatoryCapitalTableTextBlock_3b481371-27d0-4c35-afcc-b6bf4589d86c" xlink:href="ibcp-20230331.xsd#ibcp_ComponentsOfRegulatoryCapitalTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_RegulatoryMattersAbstract_f5fda548-d1a2-41d1-bd2d-e2c7ad93584c" xlink:to="loc_ibcp_ComponentsOfRegulatoryCapitalTableTextBlock_3b481371-27d0-4c35-afcc-b6bf4589d86c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/FairValueDisclosuresTables" xlink:type="simple" xlink:href="ibcp-20230331.xsd#FairValueDisclosuresTables"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/FairValueDisclosuresTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_54ee94db-c9e6-4e68-a17a-d51cf3a1e23e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTableTextBlock_ee052da0-ff41-425c-9f5a-a30dff0a5a8e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_54ee94db-c9e6-4e68-a17a-d51cf3a1e23e" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTableTextBlock_ee052da0-ff41-425c-9f5a-a30dff0a5a8e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock_64c43953-7ff2-4708-ac15-1dc2e9b6728d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_54ee94db-c9e6-4e68-a17a-d51cf3a1e23e" xlink:to="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTextBlock_64c43953-7ff2-4708-ac15-1dc2e9b6728d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_f4222b55-45f1-4e38-b4b3-1f255918e40c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_54ee94db-c9e6-4e68-a17a-d51cf3a1e23e" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_f4222b55-45f1-4e38-b4b3-1f255918e40c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock_ad91b334-2320-4c8f-b358-85d1946ecefe" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_54ee94db-c9e6-4e68-a17a-d51cf3a1e23e" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock_ad91b334-2320-4c8f-b358-85d1946ecefe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DifferenceInAggregateFairValueAndAggregateRemainingContractualPrincipalBalanceForLoansHeldForSaleTableTextBlock_0281dda3-0aba-4d09-b724-b5c6148e7a50" xlink:href="ibcp-20230331.xsd#ibcp_DifferenceInAggregateFairValueAndAggregateRemainingContractualPrincipalBalanceForLoansHeldForSaleTableTextBlock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_54ee94db-c9e6-4e68-a17a-d51cf3a1e23e" xlink:to="loc_ibcp_DifferenceInAggregateFairValueAndAggregateRemainingContractualPrincipalBalanceForLoansHeldForSaleTableTextBlock_0281dda3-0aba-4d09-b724-b5c6148e7a50" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/FairValuesofFinancialInstrumentsTables" xlink:type="simple" xlink:href="ibcp-20230331.xsd#FairValuesofFinancialInstrumentsTables"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/FairValuesofFinancialInstrumentsTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FairValuesOfFinancialInstrumentsAbstract_bd18b302-50a0-4224-ab83-51407e0ebeba" xlink:href="ibcp-20230331.xsd#ibcp_FairValuesOfFinancialInstrumentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByBalanceSheetGroupingTextBlock_a55a1f73-b608-4038-a663-3634c39552fc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByBalanceSheetGroupingTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_FairValuesOfFinancialInstrumentsAbstract_bd18b302-50a0-4224-ab83-51407e0ebeba" xlink:to="loc_us-gaap_FairValueByBalanceSheetGroupingTextBlock_a55a1f73-b608-4038-a663-3634c39552fc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/AccumulatedOtherComprehensiveIncomeLossAOCILTables" xlink:type="simple" xlink:href="ibcp-20230331.xsd#AccumulatedOtherComprehensiveIncomeLossAOCILTables"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/AccumulatedOtherComprehensiveIncomeLossAOCILTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_89c634d2-b285-4e24-8c57-51693679204c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock_29d521b4-ff3a-4a8d-bf59-ea2387400362" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_89c634d2-b285-4e24-8c57-51693679204c" xlink:to="loc_us-gaap_ScheduleOfAccumulatedOtherComprehensiveIncomeLossTableTextBlock_29d521b4-ff3a-4a8d-bf59-ea2387400362" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock_3987909e-a141-49ee-96f0-9ee70cf43aca" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_89c634d2-b285-4e24-8c57-51693679204c" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTableTextBlock_3987909e-a141-49ee-96f0-9ee70cf43aca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/RevenuefromContractswithCustomersTables" xlink:type="simple" xlink:href="ibcp-20230331.xsd#RevenuefromContractswithCustomersTables"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/RevenuefromContractswithCustomersTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerAbstract_e3b7f244-7b3e-4acb-b1cf-bf9b281c1483" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RevenueFromContractWithCustomerAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueTableTextBlock_2b168ee5-14a5-4406-947b-790a9d9c0027" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DisaggregationOfRevenueTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract_e3b7f244-7b3e-4acb-b1cf-bf9b281c1483" xlink:to="loc_us-gaap_DisaggregationOfRevenueTableTextBlock_2b168ee5-14a5-4406-947b-790a9d9c0027" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/LeasesTables" xlink:type="simple" xlink:href="ibcp-20230331.xsd#LeasesTables"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/LeasesTables" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeasesAbstract_effcf5c2-4d92-46c6-949d-877481cd8e06" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LeasesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeaseCostTableTextBlock_fe0f9e97-f166-44b3-8795-f7f1492b9913" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LeaseCostTableTextBlock"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_effcf5c2-4d92-46c6-949d-877481cd8e06" xlink:to="loc_us-gaap_LeaseCostTableTextBlock_fe0f9e97-f166-44b3-8795-f7f1492b9913" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_LesseeOperatingLeaseBalanceSheetInformationTableTextBlock_1a4ef5f5-1a70-4740-81cb-64c1e0bde42a" xlink:href="ibcp-20230331.xsd#ibcp_LesseeOperatingLeaseBalanceSheetInformationTableTextBlock"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_effcf5c2-4d92-46c6-949d-877481cd8e06" xlink:to="loc_ibcp_LesseeOperatingLeaseBalanceSheetInformationTableTextBlock_1a4ef5f5-1a70-4740-81cb-64c1e0bde42a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock_4c310a63-d039-4ad7-8938-3227dc8db68b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_effcf5c2-4d92-46c6-949d-877481cd8e06" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityMaturityTableTextBlock_4c310a63-d039-4ad7-8938-3227dc8db68b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/SecuritiesSecuritiesAvailableforSaleDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#SecuritiesSecuritiesAvailableforSaleDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/SecuritiesSecuritiesAvailableforSaleDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_bac0038c-7d5c-48d3-a088-1c46e68cb900" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_1fb2b16c-2368-4475-b8f9-e139aa3f3fac" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_bac0038c-7d5c-48d3-a088-1c46e68cb900" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_1fb2b16c-2368-4475-b8f9-e139aa3f3fac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_e77693ec-0734-4baa-956b-ca59e3eb02e4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_1fb2b16c-2368-4475-b8f9-e139aa3f3fac" xlink:to="loc_us-gaap_FinancialInstrumentAxis_e77693ec-0734-4baa-956b-ca59e3eb02e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4bc8364-4b4e-44b5-8ec0-eebf0c3fa3aa" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_e77693ec-0734-4baa-956b-ca59e3eb02e4" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4bc8364-4b4e-44b5-8ec0-eebf0c3fa3aa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember_797a486f-0eac-4e52-8ce8-71a0dd199d33" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4bc8364-4b4e-44b5-8ec0-eebf0c3fa3aa" xlink:to="loc_us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember_797a486f-0eac-4e52-8ce8-71a0dd199d33" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_81a06fcb-5a91-436c-8ef6-ff1c7de0d443" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4bc8364-4b4e-44b5-8ec0-eebf0c3fa3aa" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_81a06fcb-5a91-436c-8ef6-ff1c7de0d443" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_08b60049-9f99-4f11-83bd-549ff1f4c57b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommercialMortgageBackedSecuritiesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4bc8364-4b4e-44b5-8ec0-eebf0c3fa3aa" xlink:to="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_08b60049-9f99-4f11-83bd-549ff1f4c57b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_91ba69b5-8ba2-4616-b321-71b740478ee0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4bc8364-4b4e-44b5-8ec0-eebf0c3fa3aa" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_91ba69b5-8ba2-4616-b321-71b740478ee0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_6c1d725d-3e1e-437c-b6c3-3451a6dd9c68" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetBackedSecuritiesMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4bc8364-4b4e-44b5-8ec0-eebf0c3fa3aa" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_6c1d725d-3e1e-437c-b6c3-3451a6dd9c68" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_b1ae8f60-c207-4a3c-a0d0-59fe4e4fa884" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4bc8364-4b4e-44b5-8ec0-eebf0c3fa3aa" xlink:to="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_b1ae8f60-c207-4a3c-a0d0-59fe4e4fa884" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_e95f6fd2-4328-4765-9c47-f183d782cec4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CorporateDebtSecuritiesMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4bc8364-4b4e-44b5-8ec0-eebf0c3fa3aa" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_e95f6fd2-4328-4765-9c47-f183d782cec4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember_9c6f89dc-f0e3-4657-be6b-ec775bf4ee90" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b4bc8364-4b4e-44b5-8ec0-eebf0c3fa3aa" xlink:to="loc_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember_9c6f89dc-f0e3-4657-be6b-ec775bf4ee90" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_ce44b4c1-4e1d-4dfa-84b3-1164dd6bc3ca" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_1fb2b16c-2368-4475-b8f9-e139aa3f3fac" xlink:to="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_ce44b4c1-4e1d-4dfa-84b3-1164dd6bc3ca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesAbstract_0eb492ed-78ed-4bb8-855b-068be0d516b3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_ce44b4c1-4e1d-4dfa-84b3-1164dd6bc3ca" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesAbstract_0eb492ed-78ed-4bb8-855b-068be0d516b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_693f4a5e-c4cc-47a4-8360-a9817e3530c1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_0eb492ed-78ed-4bb8-855b-068be0d516b3" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_693f4a5e-c4cc-47a4-8360-a9817e3530c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_034e0873-05e6-48aa-9b86-0adaaf3bf75a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_0eb492ed-78ed-4bb8-855b-068be0d516b3" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_034e0873-05e6-48aa-9b86-0adaaf3bf75a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_3160085a-da3d-4479-8f89-eb8b01a3f3bf" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_0eb492ed-78ed-4bb8-855b-068be0d516b3" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_3160085a-da3d-4479-8f89-eb8b01a3f3bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_4fb359d8-3fcf-4a2d-9e2a-1dd8003b06d1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_0eb492ed-78ed-4bb8-855b-068be0d516b3" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_4fb359d8-3fcf-4a2d-9e2a-1dd8003b06d1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/SecuritiesSecuritiesHeldtoMaturityDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#SecuritiesSecuritiesHeldtoMaturityDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/SecuritiesSecuritiesHeldtoMaturityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_229b9e28-3436-49ce-891d-53ca18a21195" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_fe30fa69-b1c2-4324-b2a2-abefbc741fcd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfHeldToMaturitySecuritiesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_229b9e28-3436-49ce-891d-53ca18a21195" xlink:to="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_fe30fa69-b1c2-4324-b2a2-abefbc741fcd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_747a78cc-822a-46ef-9a65-9b92cc0555dc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_fe30fa69-b1c2-4324-b2a2-abefbc741fcd" xlink:to="loc_us-gaap_FinancialInstrumentAxis_747a78cc-822a-46ef-9a65-9b92cc0555dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_c09b45bf-d4a4-4e3c-befa-9727dc885b39" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_747a78cc-822a-46ef-9a65-9b92cc0555dc" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_c09b45bf-d4a4-4e3c-befa-9727dc885b39" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember_44c1ddb4-4207-4809-82cf-ecb6247fd9e1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_c09b45bf-d4a4-4e3c-befa-9727dc885b39" xlink:to="loc_us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember_44c1ddb4-4207-4809-82cf-ecb6247fd9e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_e97f1e68-a2c8-4465-bf29-849c9d353330" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_c09b45bf-d4a4-4e3c-befa-9727dc885b39" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_e97f1e68-a2c8-4465-bf29-849c9d353330" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_39428595-5330-42d5-87c1-5974b00838b0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommercialMortgageBackedSecuritiesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_c09b45bf-d4a4-4e3c-befa-9727dc885b39" xlink:to="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_39428595-5330-42d5-87c1-5974b00838b0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_796dadb1-1111-4bd0-9a69-9c0b69086f82" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_c09b45bf-d4a4-4e3c-befa-9727dc885b39" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_796dadb1-1111-4bd0-9a69-9c0b69086f82" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_ecab2f4b-0aad-4094-b506-56d8223819f9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_c09b45bf-d4a4-4e3c-befa-9727dc885b39" xlink:to="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_ecab2f4b-0aad-4094-b506-56d8223819f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_0965686d-53c0-40f1-8196-5b258502b00b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CorporateDebtSecuritiesMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_c09b45bf-d4a4-4e3c-befa-9727dc885b39" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_0965686d-53c0-40f1-8196-5b258502b00b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember_2c42e634-dcd0-4752-83fe-4a58a52bc548" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_c09b45bf-d4a4-4e3c-befa-9727dc885b39" xlink:to="loc_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember_2c42e634-dcd0-4752-83fe-4a58a52bc548" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_862bbb5d-f7a4-49c8-b61f-4883a0b659af" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_fe30fa69-b1c2-4324-b2a2-abefbc741fcd" xlink:to="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_862bbb5d-f7a4-49c8-b61f-4883a0b659af" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_feea21ec-13e0-431f-94b9-0b6de457e96f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HeldToMaturitySecuritiesClassifiedAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_862bbb5d-f7a4-49c8-b61f-4883a0b659af" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_feea21ec-13e0-431f-94b9-0b6de457e96f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_145c3ab3-47fe-4a14-b5c2-b7475ad13369" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_feea21ec-13e0-431f-94b9-0b6de457e96f" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_145c3ab3-47fe-4a14-b5c2-b7475ad13369" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DebtSecuritiesHeldToMaturityTransferUnrealizedLoss_1a7b8a50-33fd-4e54-acbb-4a335e622639" xlink:href="ibcp-20230331.xsd#ibcp_DebtSecuritiesHeldToMaturityTransferUnrealizedLoss"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_feea21ec-13e0-431f-94b9-0b6de457e96f" xlink:to="loc_ibcp_DebtSecuritiesHeldToMaturityTransferUnrealizedLoss_1a7b8a50-33fd-4e54-acbb-4a335e622639" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_aec3c3b6-0f54-4ce7-8c37-22261ca5c7fe" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_feea21ec-13e0-431f-94b9-0b6de457e96f" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_aec3c3b6-0f54-4ce7-8c37-22261ca5c7fe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_bc84d9e4-94aa-4cb7-b369-0d2b1b0f4661" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_feea21ec-13e0-431f-94b9-0b6de457e96f" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_bc84d9e4-94aa-4cb7-b369-0d2b1b0f4661" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_71e7fb87-85e6-4a7d-b684-8a9833c9bb21" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_feea21ec-13e0-431f-94b9-0b6de457e96f" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_71e7fb87-85e6-4a7d-b684-8a9833c9bb21" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_e051bfdb-5cd0-498d-bfde-e624bd64c141" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_feea21ec-13e0-431f-94b9-0b6de457e96f" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_e051bfdb-5cd0-498d-bfde-e624bd64c141" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_ff5e8b6b-9d05-48fb-90a6-0b5a16310bf2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HeldToMaturitySecuritiesFairValue"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_feea21ec-13e0-431f-94b9-0b6de457e96f" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesFairValue_ff5e8b6b-9d05-48fb-90a6-0b5a16310bf2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/SecuritiesNarrativeDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#SecuritiesNarrativeDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/SecuritiesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_93f97326-3a4f-4095-8cf1-05cba648faa8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_47ea5c14-eb97-458c-a49b-1a08bd747523" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_93f97326-3a4f-4095-8cf1-05cba648faa8" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_47ea5c14-eb97-458c-a49b-1a08bd747523" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_82b94561-3774-41f2-95d3-2d272e3812c4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_47ea5c14-eb97-458c-a49b-1a08bd747523" xlink:to="loc_us-gaap_FinancialInstrumentAxis_82b94561-3774-41f2-95d3-2d272e3812c4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_52b67aa5-b93c-4277-bfbd-91842813e1f7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_82b94561-3774-41f2-95d3-2d272e3812c4" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_52b67aa5-b93c-4277-bfbd-91842813e1f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember_0b8d1e70-66ce-4a90-9590-ca7526a82a76" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_52b67aa5-b93c-4277-bfbd-91842813e1f7" xlink:to="loc_us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember_0b8d1e70-66ce-4a90-9590-ca7526a82a76" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_099b8443-07e0-4635-bad3-cd0a4f720d80" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_52b67aa5-b93c-4277-bfbd-91842813e1f7" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_099b8443-07e0-4635-bad3-cd0a4f720d80" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_fe3cacbc-d5df-4f0f-a55a-fcd43a9d104a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommercialMortgageBackedSecuritiesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_52b67aa5-b93c-4277-bfbd-91842813e1f7" xlink:to="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_fe3cacbc-d5df-4f0f-a55a-fcd43a9d104a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_df9a6a22-5a9f-4fb1-82e8-d32b14ffa248" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_52b67aa5-b93c-4277-bfbd-91842813e1f7" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_df9a6a22-5a9f-4fb1-82e8-d32b14ffa248" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_7991664d-5858-4a91-a30b-26b4df15a2c5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetBackedSecuritiesMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_52b67aa5-b93c-4277-bfbd-91842813e1f7" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_7991664d-5858-4a91-a30b-26b4df15a2c5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_0f376ae5-d66f-4020-8059-97119397e22e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CorporateDebtSecuritiesMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_52b67aa5-b93c-4277-bfbd-91842813e1f7" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_0f376ae5-d66f-4020-8059-97119397e22e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_0c000047-ed46-4240-bd51-f8aa866709ef" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_52b67aa5-b93c-4277-bfbd-91842813e1f7" xlink:to="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_0c000047-ed46-4240-bd51-f8aa866709ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ForeignGovernmentDebtSecuritiesMember_68b0e166-019e-405a-aa9f-855fd7ca4582" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ForeignGovernmentDebtSecuritiesMember"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_52b67aa5-b93c-4277-bfbd-91842813e1f7" xlink:to="loc_us-gaap_ForeignGovernmentDebtSecuritiesMember_68b0e166-019e-405a-aa9f-855fd7ca4582" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_fb24e6cf-467b-4279-b2b4-7e95012506d5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_47ea5c14-eb97-458c-a49b-1a08bd747523" xlink:to="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_fb24e6cf-467b-4279-b2b4-7e95012506d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DebtSecuritiesAvailableForSaleTransferredToHeldToMaturityAmortizedCostBasis_4a0dbc5d-6633-4a7e-b6f0-9dbee3e6d2c4" xlink:href="ibcp-20230331.xsd#ibcp_DebtSecuritiesAvailableForSaleTransferredToHeldToMaturityAmortizedCostBasis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_fb24e6cf-467b-4279-b2b4-7e95012506d5" xlink:to="loc_ibcp_DebtSecuritiesAvailableForSaleTransferredToHeldToMaturityAmortizedCostBasis_4a0dbc5d-6633-4a7e-b6f0-9dbee3e6d2c4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DebtSecuritiesAvailableForSaleTransferredToHeldToMaturityUnrealizedLossPosition_871953c9-9174-4f48-a9bb-301d65042012" xlink:href="ibcp-20230331.xsd#ibcp_DebtSecuritiesAvailableForSaleTransferredToHeldToMaturityUnrealizedLossPosition"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_fb24e6cf-467b-4279-b2b4-7e95012506d5" xlink:to="loc_ibcp_DebtSecuritiesAvailableForSaleTransferredToHeldToMaturityUnrealizedLossPosition_871953c9-9174-4f48-a9bb-301d65042012" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest_67958802-5211-442a-a007-463a182496b3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_fb24e6cf-467b-4279-b2b4-7e95012506d5" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest_67958802-5211-442a-a007-463a182496b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss_d51be3f8-ab9d-4d9f-a085-8c6478c282ba" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_fb24e6cf-467b-4279-b2b4-7e95012506d5" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss_d51be3f8-ab9d-4d9f-a085-8c6478c282ba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_cf6befe3-7a7f-4ae3-a846-7712e760eb9d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_fb24e6cf-467b-4279-b2b4-7e95012506d5" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_cf6befe3-7a7f-4ae3-a846-7712e760eb9d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_f64051c2-92e7-4393-b124-b2ab422acd48" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfHeldToMaturitySecuritiesTable"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_93f97326-3a4f-4095-8cf1-05cba648faa8" xlink:to="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_f64051c2-92e7-4393-b124-b2ab422acd48" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_1cc8c9a2-95a9-4404-9f69-eefa43178b5f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_f64051c2-92e7-4393-b124-b2ab422acd48" xlink:to="loc_us-gaap_FinancialInstrumentAxis_1cc8c9a2-95a9-4404-9f69-eefa43178b5f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_dfa98e54-7759-4b4c-9bdd-37b33cf96985" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_537e165c-2435-4df2-8f69-fb7557795eb5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_44374493-353b-4d01-904b-67ec61b33d42" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommercialMortgageBackedSecuritiesMember"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember_917d21f5-9710-483d-8f4f-961165d3db6c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_3ccff4ac-847c-41e0-b5d3-2f0f350a2ee1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_f64051c2-92e7-4393-b124-b2ab422acd48" xlink:to="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_3ccff4ac-847c-41e0-b5d3-2f0f350a2ee1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLoss_7616b2fa-74df-422d-b834-3293fd991d13" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_3ccff4ac-847c-41e0-b5d3-2f0f350a2ee1" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLoss_7616b2fa-74df-422d-b834-3293fd991d13" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_47248140-b4ee-4c8b-8570-3eea6365969f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_3ccff4ac-847c-41e0-b5d3-2f0f350a2ee1" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_47248140-b4ee-4c8b-8570-3eea6365969f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DebtSecuritiesHeldToMaturityDefaultedNumberOfSecurities_6f77367f-83e9-4fdb-919c-464e0514c172" xlink:href="ibcp-20230331.xsd#ibcp_DebtSecuritiesHeldToMaturityDefaultedNumberOfSecurities"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_3ccff4ac-847c-41e0-b5d3-2f0f350a2ee1" xlink:to="loc_ibcp_DebtSecuritiesHeldToMaturityDefaultedNumberOfSecurities_6f77367f-83e9-4fdb-919c-464e0514c172" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease_bb5bd538-0c28-48e3-844e-8a3b0f2e8593" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_3ccff4ac-847c-41e0-b5d3-2f0f350a2ee1" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease_bb5bd538-0c28-48e3-844e-8a3b0f2e8593" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAllowanceForCreditLossWriteoff_498c54c2-4ef9-483a-a983-25bdab989d7e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_3ccff4ac-847c-41e0-b5d3-2f0f350a2ee1" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAllowanceForCreditLossWriteoff_498c54c2-4ef9-483a-a983-25bdab989d7e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/SecuritiesAvailableforSaleGrossUnrealizedLossesandFairValuesDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#SecuritiesAvailableforSaleGrossUnrealizedLossesandFairValuesDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/SecuritiesAvailableforSaleGrossUnrealizedLossesandFairValuesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_45225b19-cd07-4e78-b723-d2fb814fc194" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTable_eb9343d5-300d-4ab9-97be-3eab69e7ce1d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_45225b19-cd07-4e78-b723-d2fb814fc194" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTable_eb9343d5-300d-4ab9-97be-3eab69e7ce1d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_c0d2b09a-2bac-494b-af12-2baeea4a4b8c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTable_eb9343d5-300d-4ab9-97be-3eab69e7ce1d" xlink:to="loc_us-gaap_FinancialInstrumentAxis_c0d2b09a-2bac-494b-af12-2baeea4a4b8c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_5799d69d-aa4d-47d9-89de-b9dc26b7ae8a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_c0d2b09a-2bac-494b-af12-2baeea4a4b8c" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_5799d69d-aa4d-47d9-89de-b9dc26b7ae8a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember_bd87359b-5ef2-4f9c-b796-01eb554693ce" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_5799d69d-aa4d-47d9-89de-b9dc26b7ae8a" xlink:to="loc_us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember_bd87359b-5ef2-4f9c-b796-01eb554693ce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_3b20d948-e39f-407d-aff3-590afcdcc107" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_5799d69d-aa4d-47d9-89de-b9dc26b7ae8a" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_3b20d948-e39f-407d-aff3-590afcdcc107" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_332293ff-6431-4b26-8a37-dac0bfc95a54" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommercialMortgageBackedSecuritiesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_5799d69d-aa4d-47d9-89de-b9dc26b7ae8a" xlink:to="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_332293ff-6431-4b26-8a37-dac0bfc95a54" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_a03689f2-9735-498f-ae15-83f83cb4ac85" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_5799d69d-aa4d-47d9-89de-b9dc26b7ae8a" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_a03689f2-9735-498f-ae15-83f83cb4ac85" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_86ac9c24-574f-4f1b-b2a6-73cc04c4368c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetBackedSecuritiesMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_5799d69d-aa4d-47d9-89de-b9dc26b7ae8a" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_86ac9c24-574f-4f1b-b2a6-73cc04c4368c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_c6dae20b-6a98-4e72-b544-c9d6932bda0e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_5799d69d-aa4d-47d9-89de-b9dc26b7ae8a" xlink:to="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_c6dae20b-6a98-4e72-b544-c9d6932bda0e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_f072cd7b-baef-46a2-ba97-7eef9a33d0ef" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CorporateDebtSecuritiesMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_5799d69d-aa4d-47d9-89de-b9dc26b7ae8a" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_f072cd7b-baef-46a2-ba97-7eef9a33d0ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember_453d59d6-9668-4b1c-bc9f-bf2961179f0e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_5799d69d-aa4d-47d9-89de-b9dc26b7ae8a" xlink:to="loc_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember_453d59d6-9668-4b1c-bc9f-bf2961179f0e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_84aa23af-7534-4fc1-86ef-083d6fe19094" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTable_eb9343d5-300d-4ab9-97be-3eab69e7ce1d" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_84aa23af-7534-4fc1-86ef-083d6fe19094" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_c79d1339-8577-49cb-843c-d4276d6d1564" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_84aa23af-7534-4fc1-86ef-083d6fe19094" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_c79d1339-8577-49cb-843c-d4276d6d1564" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_374e7fed-e246-4a14-81c5-e82243af08eb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_84aa23af-7534-4fc1-86ef-083d6fe19094" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_374e7fed-e246-4a14-81c5-e82243af08eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_0a2d33f8-1ad0-4eff-8871-0b82ac626004" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_84aa23af-7534-4fc1-86ef-083d6fe19094" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_0a2d33f8-1ad0-4eff-8871-0b82ac626004" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_941aa52b-2915-4e1c-8d06-0fd9a815e92b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_84aa23af-7534-4fc1-86ef-083d6fe19094" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_941aa52b-2915-4e1c-8d06-0fd9a815e92b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_0a378bbf-04c7-467b-ad96-4463dca16bed" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_84aa23af-7534-4fc1-86ef-083d6fe19094" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_0a378bbf-04c7-467b-ad96-4463dca16bed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_66e92353-e077-4693-b804-5d87b4e00303" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_84aa23af-7534-4fc1-86ef-083d6fe19094" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_66e92353-e077-4693-b804-5d87b4e00303" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/SecuritiesHeldtoMaturityCreditQualityDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#SecuritiesHeldtoMaturityCreditQualityDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/SecuritiesHeldtoMaturityCreditQualityDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_dfaf83e1-4053-4f24-8d84-ec73ea1d2154" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_fdac0f3e-f3ac-4c53-9235-ddfef33323f7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfHeldToMaturitySecuritiesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_dfaf83e1-4053-4f24-8d84-ec73ea1d2154" xlink:to="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_fdac0f3e-f3ac-4c53-9235-ddfef33323f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CreditRatingStandardPoorsAxis_af4ce53f-e932-41ee-81b6-95d2008a2e87" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_CreditRatingStandardPoorsAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_fdac0f3e-f3ac-4c53-9235-ddfef33323f7" xlink:to="loc_srt_CreditRatingStandardPoorsAxis_af4ce53f-e932-41ee-81b6-95d2008a2e87" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ExternalCreditRatingStandardPoorsMember_78c1918f-4044-426c-8f00-665ec8faae5f" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ExternalCreditRatingStandardPoorsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_CreditRatingStandardPoorsAxis_af4ce53f-e932-41ee-81b6-95d2008a2e87" xlink:to="loc_srt_ExternalCreditRatingStandardPoorsMember_78c1918f-4044-426c-8f00-665ec8faae5f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StandardPoorsAAARatingMember_21c3117e-49f5-4092-bf23-423d1a3ca297" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_StandardPoorsAAARatingMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ExternalCreditRatingStandardPoorsMember_78c1918f-4044-426c-8f00-665ec8faae5f" xlink:to="loc_srt_StandardPoorsAAARatingMember_21c3117e-49f5-4092-bf23-423d1a3ca297" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StandardPoorsAARatingMember_d7d28433-7802-486e-85c6-d6c72e92e9ca" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_StandardPoorsAARatingMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ExternalCreditRatingStandardPoorsMember_78c1918f-4044-426c-8f00-665ec8faae5f" xlink:to="loc_srt_StandardPoorsAARatingMember_d7d28433-7802-486e-85c6-d6c72e92e9ca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StandardPoorsARatingMember_3471e323-c044-47c9-8952-ad8ddd13efb0" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_StandardPoorsARatingMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ExternalCreditRatingStandardPoorsMember_78c1918f-4044-426c-8f00-665ec8faae5f" xlink:to="loc_srt_StandardPoorsARatingMember_3471e323-c044-47c9-8952-ad8ddd13efb0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StandardPoorsBBBRatingMember_b6c0ffb9-e8c3-40b7-90ac-e94cbe9035e1" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_StandardPoorsBBBRatingMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ExternalCreditRatingStandardPoorsMember_78c1918f-4044-426c-8f00-665ec8faae5f" xlink:to="loc_srt_StandardPoorsBBBRatingMember_b6c0ffb9-e8c3-40b7-90ac-e94cbe9035e1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ExternalCreditRatingAgencyNonRatedMemberMember_7497b0c5-a4a7-4561-b299-a80e0e58151e" xlink:href="ibcp-20230331.xsd#ibcp_ExternalCreditRatingAgencyNonRatedMemberMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ExternalCreditRatingStandardPoorsMember_78c1918f-4044-426c-8f00-665ec8faae5f" xlink:to="loc_ibcp_ExternalCreditRatingAgencyNonRatedMemberMember_7497b0c5-a4a7-4561-b299-a80e0e58151e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CreditQualityExternallyCreditRatedAndNonRatedSecuritiesMember_4795d8a7-985c-46bf-8424-267e582a7fa9" xlink:href="ibcp-20230331.xsd#ibcp_CreditQualityExternallyCreditRatedAndNonRatedSecuritiesMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ExternalCreditRatingStandardPoorsMember_78c1918f-4044-426c-8f00-665ec8faae5f" xlink:to="loc_ibcp_CreditQualityExternallyCreditRatedAndNonRatedSecuritiesMember_4795d8a7-985c-46bf-8424-267e582a7fa9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_b5859c39-27ba-4ab1-a200-6863dc1fb047" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_fdac0f3e-f3ac-4c53-9235-ddfef33323f7" xlink:to="loc_us-gaap_FinancialInstrumentAxis_b5859c39-27ba-4ab1-a200-6863dc1fb047" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_8b838f7a-31c1-400a-a958-446e421c1d7f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_b5859c39-27ba-4ab1-a200-6863dc1fb047" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_8b838f7a-31c1-400a-a958-446e421c1d7f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_3afe5aab-fd3c-4fa7-b534-617cf5c276d6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_8b838f7a-31c1-400a-a958-446e421c1d7f" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_3afe5aab-fd3c-4fa7-b534-617cf5c276d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_c1eee76b-6fe7-42cb-8b9e-5c6a17605ce4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_8b838f7a-31c1-400a-a958-446e421c1d7f" xlink:to="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_c1eee76b-6fe7-42cb-8b9e-5c6a17605ce4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_8c3e0fad-26c0-4de6-90b9-bf9cf55f5ae9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CorporateDebtSecuritiesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_8b838f7a-31c1-400a-a958-446e421c1d7f" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_8c3e0fad-26c0-4de6-90b9-bf9cf55f5ae9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember_c9c3af9e-5ad3-4da3-b1c6-a3a01f606592" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_8b838f7a-31c1-400a-a958-446e421c1d7f" xlink:to="loc_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember_c9c3af9e-5ad3-4da3-b1c6-a3a01f606592" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_afc765e9-8ec3-4079-bd1b-c67e1b25261b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_fdac0f3e-f3ac-4c53-9235-ddfef33323f7" xlink:to="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_afc765e9-8ec3-4079-bd1b-c67e1b25261b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAbstract_4fab68eb-e666-440c-b911-52112edc348f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HeldToMaturitySecuritiesAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_afc765e9-8ec3-4079-bd1b-c67e1b25261b" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAbstract_4fab68eb-e666-440c-b911-52112edc348f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_90abe7ef-424f-4539-ba9e-b9fa54bfcb0a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesAbstract_4fab68eb-e666-440c-b911-52112edc348f" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_90abe7ef-424f-4539-ba9e-b9fa54bfcb0a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/SecuritiesHeldtoMaturityAllowanceforCreditLossesDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#SecuritiesHeldtoMaturityAllowanceforCreditLossesDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/SecuritiesHeldtoMaturityAllowanceforCreditLossesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_aff1b20d-68c9-4056-bbb4-7086087e83ea" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossTable_975d4c94-6d4a-4f96-9a00-cc41084fd5c4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_aff1b20d-68c9-4056-bbb4-7086087e83ea" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossTable_975d4c94-6d4a-4f96-9a00-cc41084fd5c4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_009a8785-7b09-4013-845a-74b4799732ec" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossTable_975d4c94-6d4a-4f96-9a00-cc41084fd5c4" xlink:to="loc_us-gaap_FinancialInstrumentAxis_009a8785-7b09-4013-845a-74b4799732ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_071af738-6fd1-49ca-b576-a49d999717b3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_009a8785-7b09-4013-845a-74b4799732ec" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_071af738-6fd1-49ca-b576-a49d999717b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_8e9d32bd-3c9a-4905-99d5-899b38abd6d8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_071af738-6fd1-49ca-b576-a49d999717b3" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_8e9d32bd-3c9a-4905-99d5-899b38abd6d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_19fbfc1c-d97b-4c54-9fb8-3ac55bef42da" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_071af738-6fd1-49ca-b576-a49d999717b3" xlink:to="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_19fbfc1c-d97b-4c54-9fb8-3ac55bef42da" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_a6cbac11-25b9-4dcd-8278-a66d39a1e8fe" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CorporateDebtSecuritiesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_071af738-6fd1-49ca-b576-a49d999717b3" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_a6cbac11-25b9-4dcd-8278-a66d39a1e8fe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember_90d69144-6c31-4928-8088-cd7bf7f4ca71" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_071af738-6fd1-49ca-b576-a49d999717b3" xlink:to="loc_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember_90d69144-6c31-4928-8088-cd7bf7f4ca71" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldtomaturityAllowanceForCreditLossLineItems_d9c6fa7c-ccfd-449e-a821-311103540c1e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesHeldtomaturityAllowanceForCreditLossLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossTable_975d4c94-6d4a-4f96-9a00-cc41084fd5c4" xlink:to="loc_us-gaap_DebtSecuritiesHeldtomaturityAllowanceForCreditLossLineItems_d9c6fa7c-ccfd-449e-a821-311103540c1e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAbstract_1be9f701-77cf-4959-be39-4643f8148b5e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HeldToMaturitySecuritiesAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesHeldtomaturityAllowanceForCreditLossLineItems_d9c6fa7c-ccfd-449e-a821-311103540c1e" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAbstract_1be9f701-77cf-4959-be39-4643f8148b5e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossRollForward_944385b1-f320-459a-b434-a2864af5d698" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesAbstract_1be9f701-77cf-4959-be39-4643f8148b5e" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossRollForward_944385b1-f320-459a-b434-a2864af5d698" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_bdefeb65-ecd0-4325-8216-6c34e0317911" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossRollForward_944385b1-f320-459a-b434-a2864af5d698" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_bdefeb65-ecd0-4325-8216-6c34e0317911" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_c7d2ce05-8977-4874-899d-96b6c3694f87" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossRollForward_944385b1-f320-459a-b434-a2864af5d698" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_c7d2ce05-8977-4874-899d-96b6c3694f87" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestCreditLossExpenseReversal_5704cb8a-c48a-401e-8e50-9690c10b0d62" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestCreditLossExpenseReversal"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossRollForward_944385b1-f320-459a-b434-a2864af5d698" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestCreditLossExpenseReversal_5704cb8a-c48a-401e-8e50-9690c10b0d62" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAllowanceForCreditLossRecovery_14e12f03-d0a3-4537-837a-f84e7703457f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAllowanceForCreditLossRecovery"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossRollForward_944385b1-f320-459a-b434-a2864af5d698" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAllowanceForCreditLossRecovery_14e12f03-d0a3-4537-837a-f84e7703457f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAllowanceForCreditLossWriteoff_fca052bf-a219-416f-997e-b31616e4b309" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossRollForward_944385b1-f320-459a-b434-a2864af5d698" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAllowanceForCreditLossWriteoff_fca052bf-a219-416f-997e-b31616e4b309" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_b1c38840-ced2-42bf-88ef-395d28fa8930" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossRollForward_944385b1-f320-459a-b434-a2864af5d698" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_b1c38840-ced2-42bf-88ef-395d28fa8930" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/SecuritiesAmortizedCostandFairValueSecuritiesAvailableforSaleandHeldtoMaturityContractualMaturitiesDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#SecuritiesAmortizedCostandFairValueSecuritiesAvailableforSaleandHeldtoMaturityContractualMaturitiesDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/SecuritiesAmortizedCostandFairValueSecuritiesAvailableforSaleandHeldtoMaturityContractualMaturitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_f15666ad-876b-43aa-b762-3799bbc9814e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_aca00735-70dc-4e2d-af9c-0038842ddc2b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_f15666ad-876b-43aa-b762-3799bbc9814e" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_aca00735-70dc-4e2d-af9c-0038842ddc2b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_0192327b-822d-4e9e-8897-c976e67061ac" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_aca00735-70dc-4e2d-af9c-0038842ddc2b" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_0192327b-822d-4e9e-8897-c976e67061ac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_9cf71472-6593-4716-93a0-a5856f4bdf37" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_aca00735-70dc-4e2d-af9c-0038842ddc2b" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_9cf71472-6593-4716-93a0-a5856f4bdf37" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_12cfc769-463a-4826-9f53-580a0912bceb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_aca00735-70dc-4e2d-af9c-0038842ddc2b" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_12cfc769-463a-4826-9f53-580a0912bceb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_6d7e4d01-b61f-4c9f-b2f1-8b7b19da0bf1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_aca00735-70dc-4e2d-af9c-0038842ddc2b" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_6d7e4d01-b61f-4c9f-b2f1-8b7b19da0bf1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis_39de9534-9830-4b57-9f8b-892752bd7059" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_aca00735-70dc-4e2d-af9c-0038842ddc2b" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis_39de9534-9830-4b57-9f8b-892752bd7059" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost_38232f81-9543-4350-bff9-e00f5abec898" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_aca00735-70dc-4e2d-af9c-0038842ddc2b" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost_38232f81-9543-4350-bff9-e00f5abec898" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_GovernmentAgencyCommercialMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis_bc839b74-2259-4b62-ae08-43cdf585d5ce" xlink:href="ibcp-20230331.xsd#ibcp_GovernmentAgencyCommercialMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_aca00735-70dc-4e2d-af9c-0038842ddc2b" xlink:to="loc_ibcp_GovernmentAgencyCommercialMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis_bc839b74-2259-4b62-ae08-43cdf585d5ce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_PrivateLabelMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis_3414ada9-8da4-4f34-9b15-9bd699b5b7e0" xlink:href="ibcp-20230331.xsd#ibcp_PrivateLabelMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_aca00735-70dc-4e2d-af9c-0038842ddc2b" xlink:to="loc_ibcp_PrivateLabelMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis_3414ada9-8da4-4f34-9b15-9bd699b5b7e0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_OtherAssetBackedWithoutSingleMaturityDateAmortizedCostBasis_3d711c05-2ed4-4515-af04-a878fceced0e" xlink:href="ibcp-20230331.xsd#ibcp_OtherAssetBackedWithoutSingleMaturityDateAmortizedCostBasis"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_aca00735-70dc-4e2d-af9c-0038842ddc2b" xlink:to="loc_ibcp_OtherAssetBackedWithoutSingleMaturityDateAmortizedCostBasis_3d711c05-2ed4-4515-af04-a878fceced0e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_06e2e91b-3d01-411e-8ef8-26f0850b853f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_aca00735-70dc-4e2d-af9c-0038842ddc2b" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_06e2e91b-3d01-411e-8ef8-26f0850b853f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_f9c1b58c-f798-4075-b9dd-bfface906a70" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_f15666ad-876b-43aa-b762-3799bbc9814e" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_f9c1b58c-f798-4075-b9dd-bfface906a70" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_65fd4d94-b526-40ac-a51a-6fcb481443af" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_f9c1b58c-f798-4075-b9dd-bfface906a70" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_65fd4d94-b526-40ac-a51a-6fcb481443af" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_e73db66f-db93-456f-991b-0515f42a8390" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_f9c1b58c-f798-4075-b9dd-bfface906a70" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_e73db66f-db93-456f-991b-0515f42a8390" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_c31d5949-e7c9-494e-a1b9-8a80a5a310ba" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_f9c1b58c-f798-4075-b9dd-bfface906a70" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_c31d5949-e7c9-494e-a1b9-8a80a5a310ba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_aa673deb-27b5-4ee5-9a9a-e5a496cf5652" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_f9c1b58c-f798-4075-b9dd-bfface906a70" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_aa673deb-27b5-4ee5-9a9a-e5a496cf5652" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate_6a014c60-6ca6-4d08-b579-8c0463ace749" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_f9c1b58c-f798-4075-b9dd-bfface906a70" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate_6a014c60-6ca6-4d08-b579-8c0463ace749" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue_96662585-b009-4a75-9b99-e3c8443a8c1b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_f9c1b58c-f798-4075-b9dd-bfface906a70" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue_96662585-b009-4a75-9b99-e3c8443a8c1b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_GovernmentAgencyCommercialMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue_16dc5a7f-311e-41ab-8cb3-e37855c3832b" xlink:href="ibcp-20230331.xsd#ibcp_GovernmentAgencyCommercialMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_f9c1b58c-f798-4075-b9dd-bfface906a70" xlink:to="loc_ibcp_GovernmentAgencyCommercialMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue_16dc5a7f-311e-41ab-8cb3-e37855c3832b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_PrivateLabelMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue_b76a9120-caee-4a87-878d-e38e06bc986b" xlink:href="ibcp-20230331.xsd#ibcp_PrivateLabelMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_f9c1b58c-f798-4075-b9dd-bfface906a70" xlink:to="loc_ibcp_PrivateLabelMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue_b76a9120-caee-4a87-878d-e38e06bc986b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_OtherAssetBackedDebtMaturitiesWithoutSingleMaturityDateFairValue_c5db120c-ea22-4892-91e5-c3289fb15e97" xlink:href="ibcp-20230331.xsd#ibcp_OtherAssetBackedDebtMaturitiesWithoutSingleMaturityDateFairValue"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_f9c1b58c-f798-4075-b9dd-bfface906a70" xlink:to="loc_ibcp_OtherAssetBackedDebtMaturitiesWithoutSingleMaturityDateFairValue_c5db120c-ea22-4892-91e5-c3289fb15e97" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_d447ca03-4766-4a28-be78-93c20e1d2283" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_f9c1b58c-f798-4075-b9dd-bfface906a70" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_d447ca03-4766-4a28-be78-93c20e1d2283" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract_d6a89ba8-69f1-4b27-a6ad-58288776b44b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_f15666ad-876b-43aa-b762-3799bbc9814e" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract_d6a89ba8-69f1-4b27-a6ad-58288776b44b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DebtSecuritiesHeldToMaturityAmortizedCostBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateYearOne_9f2ac396-fb69-4f1d-9c95-89bcae17dc8e" xlink:href="ibcp-20230331.xsd#ibcp_DebtSecuritiesHeldToMaturityAmortizedCostBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateYearOne"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract_d6a89ba8-69f1-4b27-a6ad-58288776b44b" xlink:to="loc_ibcp_DebtSecuritiesHeldToMaturityAmortizedCostBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateYearOne_9f2ac396-fb69-4f1d-9c95-89bcae17dc8e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DebtSecuritiesHeldToMaturityAmortizedCostBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYearOneThroughFive_ec5a0b56-74d4-4a21-b6e1-3984992a6398" xlink:href="ibcp-20230331.xsd#ibcp_DebtSecuritiesHeldToMaturityAmortizedCostBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYearOneThroughFive"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract_d6a89ba8-69f1-4b27-a6ad-58288776b44b" xlink:to="loc_ibcp_DebtSecuritiesHeldToMaturityAmortizedCostBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYearOneThroughFive_ec5a0b56-74d4-4a21-b6e1-3984992a6398" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DebtSecuritiesHeldToMaturityAmortizedCostBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear5Through10_041b0f98-cfb1-4c50-8289-d09fcb28bdd2" xlink:href="ibcp-20230331.xsd#ibcp_DebtSecuritiesHeldToMaturityAmortizedCostBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear5Through10"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract_d6a89ba8-69f1-4b27-a6ad-58288776b44b" xlink:to="loc_ibcp_DebtSecuritiesHeldToMaturityAmortizedCostBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear5Through10_041b0f98-cfb1-4c50-8289-d09fcb28bdd2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DebtSecuritiesHeldToMaturityAmortizedCostBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear10_a2297624-5866-4dc4-9737-5b40b1376b01" xlink:href="ibcp-20230331.xsd#ibcp_DebtSecuritiesHeldToMaturityAmortizedCostBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear10"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract_d6a89ba8-69f1-4b27-a6ad-58288776b44b" xlink:to="loc_ibcp_DebtSecuritiesHeldToMaturityAmortizedCostBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear10_a2297624-5866-4dc4-9737-5b40b1376b01" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DebtSecuritiesHeldToMaturityAmortizedCostBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDate_1b2475f4-64e0-4456-90bb-c69af9176b9c" xlink:href="ibcp-20230331.xsd#ibcp_DebtSecuritiesHeldToMaturityAmortizedCostBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDate"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract_d6a89ba8-69f1-4b27-a6ad-58288776b44b" xlink:to="loc_ibcp_DebtSecuritiesHeldToMaturityAmortizedCostBeforeAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDate_1b2475f4-64e0-4456-90bb-c69af9176b9c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_HeldToMaturityGovernmentAgencyResidentialMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis_5d75f4b4-bcb9-409e-b55a-6d4fb73cc297" xlink:href="ibcp-20230331.xsd#ibcp_HeldToMaturityGovernmentAgencyResidentialMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract_d6a89ba8-69f1-4b27-a6ad-58288776b44b" xlink:to="loc_ibcp_HeldToMaturityGovernmentAgencyResidentialMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis_5d75f4b4-bcb9-409e-b55a-6d4fb73cc297" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_HeldToMaturityGovernmentAgencyCommercialMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis_ceb657b4-7364-4414-ac66-f6b6c57a19a8" xlink:href="ibcp-20230331.xsd#ibcp_HeldToMaturityGovernmentAgencyCommercialMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract_d6a89ba8-69f1-4b27-a6ad-58288776b44b" xlink:to="loc_ibcp_HeldToMaturityGovernmentAgencyCommercialMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis_ceb657b4-7364-4414-ac66-f6b6c57a19a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_HeldToMaturityPrivateLabelMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis_ce3d3c2a-0a00-429d-988d-233933feec04" xlink:href="ibcp-20230331.xsd#ibcp_HeldToMaturityPrivateLabelMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract_d6a89ba8-69f1-4b27-a6ad-58288776b44b" xlink:to="loc_ibcp_HeldToMaturityPrivateLabelMortgageBackedWithoutSingleMaturityDateAmortizedCostBasis_ce3d3c2a-0a00-429d-988d-233933feec04" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_HeldToMaturityOtherAssetBackedWithoutSingleMaturityDateAmortizedCostBasis_10c1602b-7303-4c44-b02b-5428ac322ce3" xlink:href="ibcp-20230331.xsd#ibcp_HeldToMaturityOtherAssetBackedWithoutSingleMaturityDateAmortizedCostBasis"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract_d6a89ba8-69f1-4b27-a6ad-58288776b44b" xlink:to="loc_ibcp_HeldToMaturityOtherAssetBackedWithoutSingleMaturityDateAmortizedCostBasis_10c1602b-7303-4c44-b02b-5428ac322ce3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_32311d90-6561-4765-b0f7-325282b69a65" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract_d6a89ba8-69f1-4b27-a6ad-58288776b44b" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_32311d90-6561-4765-b0f7-325282b69a65" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract_c8022bef-dd24-494d-b20f-8dad6e5551fd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_f15666ad-876b-43aa-b762-3799bbc9814e" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract_c8022bef-dd24-494d-b20f-8dad6e5551fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue_b272a12f-3820-4fa6-8d61-c6a2f349a6fd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract_c8022bef-dd24-494d-b20f-8dad6e5551fd" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue_b272a12f-3820-4fa6-8d61-c6a2f349a6fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_89c2fa21-292a-4e97-a017-3b91e949e470" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract_c8022bef-dd24-494d-b20f-8dad6e5551fd" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_89c2fa21-292a-4e97-a017-3b91e949e470" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_05134ea1-1cf4-445b-bf1d-2a20336eff38" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract_c8022bef-dd24-494d-b20f-8dad6e5551fd" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_05134ea1-1cf4-445b-bf1d-2a20336eff38" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue_5e409b3b-59b2-4d5c-b655-196655a6d3a1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract_c8022bef-dd24-494d-b20f-8dad6e5551fd" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue_5e409b3b-59b2-4d5c-b655-196655a6d3a1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValue_9eaa493c-8172-404b-a89b-caa4298c6dac" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValue"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract_c8022bef-dd24-494d-b20f-8dad6e5551fd" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValue_9eaa493c-8172-404b-a89b-caa4298c6dac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_HeldToMaturityGovernmentAgencyResidentialMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue_8b956984-6d71-4f4c-9250-43a2998e6dcd" xlink:href="ibcp-20230331.xsd#ibcp_HeldToMaturityGovernmentAgencyResidentialMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract_c8022bef-dd24-494d-b20f-8dad6e5551fd" xlink:to="loc_ibcp_HeldToMaturityGovernmentAgencyResidentialMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue_8b956984-6d71-4f4c-9250-43a2998e6dcd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_HeldToMaturityGovernmentAgencyCommercialMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue_7bcc1cc5-2e15-4bcc-b7a5-9fb4e577a628" xlink:href="ibcp-20230331.xsd#ibcp_HeldToMaturityGovernmentAgencyCommercialMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract_c8022bef-dd24-494d-b20f-8dad6e5551fd" xlink:to="loc_ibcp_HeldToMaturityGovernmentAgencyCommercialMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue_7bcc1cc5-2e15-4bcc-b7a5-9fb4e577a628" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_HeldToMaturityPrivateLabelMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue_8a74473d-6e12-4dce-b11a-c27d67eb5dba" xlink:href="ibcp-20230331.xsd#ibcp_HeldToMaturityPrivateLabelMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract_c8022bef-dd24-494d-b20f-8dad6e5551fd" xlink:to="loc_ibcp_HeldToMaturityPrivateLabelMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue_8a74473d-6e12-4dce-b11a-c27d67eb5dba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_HeldToMaturityOtherAssetMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue_f7ecb50b-d45e-4c7f-b292-4bee22680504" xlink:href="ibcp-20230331.xsd#ibcp_HeldToMaturityOtherAssetMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract_c8022bef-dd24-494d-b20f-8dad6e5551fd" xlink:to="loc_ibcp_HeldToMaturityOtherAssetMortgageBackedDebtMaturitiesWithoutSingleMaturityDateFairValue_f7ecb50b-d45e-4c7f-b292-4bee22680504" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_8e5ce339-f832-420c-aead-d102098e061d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HeldToMaturitySecuritiesFairValue"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract_c8022bef-dd24-494d-b20f-8dad6e5551fd" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesFairValue_8e5ce339-f832-420c-aead-d102098e061d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/SecuritiesGainsandLossesRealizedonSaleofSecuritiesAvailableforSaleDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#SecuritiesGainsandLossesRealizedonSaleofSecuritiesAvailableforSaleDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/SecuritiesGainsandLossesRealizedonSaleofSecuritiesAvailableforSaleDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_6ca23c09-4c9f-4112-8a80-4db5a60ebe7e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesGrossRealizedGainLossAbstract_3a3cf954-6863-4e95-a23b-981738724a3e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AvailableForSaleSecuritiesGrossRealizedGainLossAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentsDebtAndEquitySecuritiesAbstract_6ca23c09-4c9f-4112-8a80-4db5a60ebe7e" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesGrossRealizedGainLossAbstract_3a3cf954-6863-4e95-a23b-981738724a3e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_b49d893c-d279-4787-a3f9-b0c4097b5dc6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesGrossRealizedGainLossAbstract_3a3cf954-6863-4e95-a23b-981738724a3e" xlink:to="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_b49d893c-d279-4787-a3f9-b0c4097b5dc6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain_60912040-b958-48b7-aa3d-5ef4f79cdcbb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleRealizedGain"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesGrossRealizedGainLossAbstract_3a3cf954-6863-4e95-a23b-981738724a3e" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGain_60912040-b958-48b7-aa3d-5ef4f79cdcbb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss_f08cedef-1417-48ed-b77f-461bb98e64ff" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesGrossRealizedGainLossAbstract_3a3cf954-6863-4e95-a23b-981738724a3e" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedLoss_f08cedef-1417-48ed-b77f-461bb98e64ff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/LoansAllowanceforCreditLossesDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#LoansAllowanceforCreditLossesDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/LoansAllowanceforCreditLossesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_c25f91de-38cc-4ed4-8713-1cf4d9afd838" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_a7e285d3-8f60-4b92-9691-859ff4dc214e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_c25f91de-38cc-4ed4-8713-1cf4d9afd838" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_a7e285d3-8f60-4b92-9691-859ff4dc214e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_32766adb-5439-4c2d-9370-4b9a3e215642" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_a7e285d3-8f60-4b92-9691-859ff4dc214e" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_32766adb-5439-4c2d-9370-4b9a3e215642" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_07c5f77b-90bd-484a-8b23-1bb41185d76a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_32766adb-5439-4c2d-9370-4b9a3e215642" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_07c5f77b-90bd-484a-8b23-1bb41185d76a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_c3cd9971-2bae-45c4-9565-fbffa9271438" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_07c5f77b-90bd-484a-8b23-1bb41185d76a" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_c3cd9971-2bae-45c4-9565-fbffa9271438" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_7e520bc1-63be-42cf-a53d-3348e994c579" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_07c5f77b-90bd-484a-8b23-1bb41185d76a" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_7e520bc1-63be-42cf-a53d-3348e994c579" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentPortfolioSegmentMember_acdff920-d8b2-4270-ba71-87df19402d11" xlink:href="ibcp-20230331.xsd#ibcp_InstallmentPortfolioSegmentMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_07c5f77b-90bd-484a-8b23-1bb41185d76a" xlink:to="loc_ibcp_InstallmentPortfolioSegmentMember_acdff920-d8b2-4270-ba71-87df19402d11" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnallocatedFinancingReceivablesMember_b363a093-2bd0-4a6a-9aa7-2bc85e6db297" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_UnallocatedFinancingReceivablesMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_07c5f77b-90bd-484a-8b23-1bb41185d76a" xlink:to="loc_us-gaap_UnallocatedFinancingReceivablesMember_b363a093-2bd0-4a6a-9aa7-2bc85e6db297" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_fab2947b-64bf-4577-9714-b871e8af703d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_a7e285d3-8f60-4b92-9691-859ff4dc214e" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_fab2947b-64bf-4577-9714-b871e8af703d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward_8e0814a5-be95-42b9-b42d-a0c4c708dd75" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_fab2947b-64bf-4577-9714-b871e8af703d" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward_8e0814a5-be95-42b9-b42d-a0c4c708dd75" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_ba74156e-aa91-4757-880b-8f00b0002119" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward_8e0814a5-be95-42b9-b42d-a0c4c708dd75" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_ba74156e-aa91-4757-880b-8f00b0002119" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_AdditionsDeductionsAbstract_6e398839-a697-409a-85da-e064ed108f0d" xlink:href="ibcp-20230331.xsd#ibcp_AdditionsDeductionsAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward_8e0814a5-be95-42b9-b42d-a0c4c708dd75" xlink:to="loc_ibcp_AdditionsDeductionsAbstract_6e398839-a697-409a-85da-e064ed108f0d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_ee655003-70b2-491b-b490-f06b24b967fd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_AdditionsDeductionsAbstract_6e398839-a697-409a-85da-e064ed108f0d" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_ee655003-70b2-491b-b490-f06b24b967fd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_f3190086-da5e-41d2-9a83-9206883f5963" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_AdditionsDeductionsAbstract_6e398839-a697-409a-85da-e064ed108f0d" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_f3190086-da5e-41d2-9a83-9206883f5963" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_e7bb008a-78e8-4aa6-a672-c3f9fad313ee" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_AdditionsDeductionsAbstract_6e398839-a697-409a-85da-e064ed108f0d" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_e7bb008a-78e8-4aa6-a672-c3f9fad313ee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_2a3d43cc-293c-49e0-8b07-543888e85313" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward_8e0814a5-be95-42b9-b42d-a0c4c708dd75" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_2a3d43cc-293c-49e0-8b07-543888e85313" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/LoansReceivablesPastDueDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#LoansReceivablesPastDueDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/LoansReceivablesPastDueDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_75819970-314e-4dcc-8ef7-dc536341666b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_5f5ae437-e023-4a12-952e-e70b674029dc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFinancingReceivablesPastDueTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_75819970-314e-4dcc-8ef7-dc536341666b" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_5f5ae437-e023-4a12-952e-e70b674029dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentPerformanceStatusAxis_3507772d-c0b8-4225-b791-187a2f323542" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentPerformanceStatusAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_5f5ae437-e023-4a12-952e-e70b674029dc" xlink:to="loc_us-gaap_FinancialInstrumentPerformanceStatusAxis_3507772d-c0b8-4225-b791-187a2f323542" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentPerformanceStatusDomain_def5ebf1-a410-44e2-a4b8-9118dbd7e0a8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentPerformanceStatusDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentPerformanceStatusAxis_3507772d-c0b8-4225-b791-187a2f323542" xlink:to="loc_us-gaap_FinancialInstrumentPerformanceStatusDomain_def5ebf1-a410-44e2-a4b8-9118dbd7e0a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NonperformingFinancingReceivableMember_70827244-db01-4a96-9560-f6dfe715c49d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NonperformingFinancingReceivableMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentPerformanceStatusDomain_def5ebf1-a410-44e2-a4b8-9118dbd7e0a8" xlink:to="loc_us-gaap_NonperformingFinancingReceivableMember_70827244-db01-4a96-9560-f6dfe715c49d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_1902f183-ccda-4d74-b33a-f9bcfdfebb37" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_5f5ae437-e023-4a12-952e-e70b674029dc" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_1902f183-ccda-4d74-b33a-f9bcfdfebb37" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_a8f04588-2c95-4d24-bcd4-d6dbe17f7bfe" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_1902f183-ccda-4d74-b33a-f9bcfdfebb37" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_a8f04588-2c95-4d24-bcd4-d6dbe17f7bfe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_22401058-aefb-4bf2-89ad-76789c05cb85" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_a8f04588-2c95-4d24-bcd4-d6dbe17f7bfe" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_22401058-aefb-4bf2-89ad-76789c05cb85" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_e350001e-9d21-4bd3-9ef7-6dce28c40b69" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_a8f04588-2c95-4d24-bcd4-d6dbe17f7bfe" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_e350001e-9d21-4bd3-9ef7-6dce28c40b69" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentPortfolioSegmentMember_9f61ba75-6c34-466f-ae02-374ad53620fb" xlink:href="ibcp-20230331.xsd#ibcp_InstallmentPortfolioSegmentMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_a8f04588-2c95-4d24-bcd4-d6dbe17f7bfe" xlink:to="loc_ibcp_InstallmentPortfolioSegmentMember_9f61ba75-6c34-466f-ae02-374ad53620fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_73f24ce1-9ab8-4bfa-a272-348213eb606f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_5f5ae437-e023-4a12-952e-e70b674029dc" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_73f24ce1-9ab8-4bfa-a272-348213eb606f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_10f927ed-6a9f-4fb7-aeaf-6f5283be57d8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_73f24ce1-9ab8-4bfa-a272-348213eb606f" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_10f927ed-6a9f-4fb7-aeaf-6f5283be57d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CommercialAndIndustrialMember_82124c8e-e41d-4356-b50a-5b71159914a5" xlink:href="ibcp-20230331.xsd#ibcp_CommercialAndIndustrialMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_10f927ed-6a9f-4fb7-aeaf-6f5283be57d8" xlink:to="loc_ibcp_CommercialAndIndustrialMember_82124c8e-e41d-4356-b50a-5b71159914a5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CommercialRealEstateLoanMember_bea1ece6-7d3f-4ecd-859f-1fce2da45a0e" xlink:href="ibcp-20230331.xsd#ibcp_CommercialRealEstateLoanMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_10f927ed-6a9f-4fb7-aeaf-6f5283be57d8" xlink:to="loc_ibcp_CommercialRealEstateLoanMember_bea1ece6-7d3f-4ecd-859f-1fce2da45a0e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14OwnerOccupiedJumboMember_e1c82af5-b48c-4326-bf37-96518c8f9cae" xlink:href="ibcp-20230331.xsd#ibcp_Family14OwnerOccupiedJumboMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_10f927ed-6a9f-4fb7-aeaf-6f5283be57d8" xlink:to="loc_ibcp_Family14OwnerOccupiedJumboMember_e1c82af5-b48c-4326-bf37-96518c8f9cae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14OwnerOccupiedNonJumboMember_2d7cd9af-12b7-4c60-98a4-ed986ccfb445" xlink:href="ibcp-20230331.xsd#ibcp_Family14OwnerOccupiedNonJumboMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_10f927ed-6a9f-4fb7-aeaf-6f5283be57d8" xlink:to="loc_ibcp_Family14OwnerOccupiedNonJumboMember_2d7cd9af-12b7-4c60-98a4-ed986ccfb445" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14NonOwnerOccupiedMember_964d5fb9-ce64-4171-9e31-017e338e5c45" xlink:href="ibcp-20230331.xsd#ibcp_Family14NonOwnerOccupiedMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_10f927ed-6a9f-4fb7-aeaf-6f5283be57d8" xlink:to="loc_ibcp_Family14NonOwnerOccupiedMember_964d5fb9-ce64-4171-9e31-017e338e5c45" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14SecondLienMember_f068ac0a-9709-4172-9f63-4ebdd1be2d38" xlink:href="ibcp-20230331.xsd#ibcp_Family14SecondLienMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_10f927ed-6a9f-4fb7-aeaf-6f5283be57d8" xlink:to="loc_ibcp_Family14SecondLienMember_f068ac0a-9709-4172-9f63-4ebdd1be2d38" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ResortLendingMember_dac52eb7-be74-430b-9065-353c529daaf0" xlink:href="ibcp-20230331.xsd#ibcp_ResortLendingMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_10f927ed-6a9f-4fb7-aeaf-6f5283be57d8" xlink:to="loc_ibcp_ResortLendingMember_dac52eb7-be74-430b-9065-353c529daaf0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_BoatLendingMember_882303bb-f474-40c8-bf76-4fb7758e97cf" xlink:href="ibcp-20230331.xsd#ibcp_BoatLendingMember"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_10f927ed-6a9f-4fb7-aeaf-6f5283be57d8" xlink:to="loc_ibcp_BoatLendingMember_882303bb-f474-40c8-bf76-4fb7758e97cf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_RecreationalVehicleLendingMember_1fa52b05-5246-4bd8-a786-791510cc4c93" xlink:href="ibcp-20230331.xsd#ibcp_RecreationalVehicleLendingMember"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_10f927ed-6a9f-4fb7-aeaf-6f5283be57d8" xlink:to="loc_ibcp_RecreationalVehicleLendingMember_1fa52b05-5246-4bd8-a786-791510cc4c93" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentOtherMember_f3f8800f-487e-44fa-9825-9cce514c2adf" xlink:href="ibcp-20230331.xsd#ibcp_InstallmentOtherMember"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_10f927ed-6a9f-4fb7-aeaf-6f5283be57d8" xlink:to="loc_ibcp_InstallmentOtherMember_f3f8800f-487e-44fa-9825-9cce514c2adf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_1943a5e8-2da9-48b9-b7ae-2bb13aa9c8e4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_5f5ae437-e023-4a12-952e-e70b674029dc" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_1943a5e8-2da9-48b9-b7ae-2bb13aa9c8e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_1a4eabb3-9cdf-44d3-9f5d-459629c8011b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_1943a5e8-2da9-48b9-b7ae-2bb13aa9c8e4" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_1a4eabb3-9cdf-44d3-9f5d-459629c8011b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_08358b5f-1e42-453c-a869-ddf6aa668eec" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_1a4eabb3-9cdf-44d3-9f5d-459629c8011b" xlink:to="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_08358b5f-1e42-453c-a869-ddf6aa668eec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_37ff4153-4437-44d6-b1c7-bd9acbe0ec5f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_5f5ae437-e023-4a12-952e-e70b674029dc" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_37ff4153-4437-44d6-b1c7-bd9acbe0ec5f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_NonPerformingLoansAbstract_94085a53-3b4a-4acb-9aa2-9398e36bd253" xlink:href="ibcp-20230331.xsd#ibcp_NonPerformingLoansAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_37ff4153-4437-44d6-b1c7-bd9acbe0ec5f" xlink:to="loc_ibcp_NonPerformingLoansAbstract_94085a53-3b4a-4acb-9aa2-9398e36bd253" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrualNoAllowance_09c50d05-47bf-41e4-8876-eabb14095019" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrualNoAllowance"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_NonPerformingLoansAbstract_94085a53-3b4a-4acb-9aa2-9398e36bd253" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrualNoAllowance_09c50d05-47bf-41e4-8876-eabb14095019" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableNonaccrualWithAllowanceForCreditLoss_b5900006-881c-4e3d-a4ce-e8555effb116" xlink:href="ibcp-20230331.xsd#ibcp_FinancingReceivableNonaccrualWithAllowanceForCreditLoss"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_NonPerformingLoansAbstract_94085a53-3b4a-4acb-9aa2-9398e36bd253" xlink:to="loc_ibcp_FinancingReceivableNonaccrualWithAllowanceForCreditLoss_b5900006-881c-4e3d-a4ce-e8555effb116" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual_ddd09b4a-6f87-4f9c-ac41-5ea154769806" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_NonPerformingLoansAbstract_94085a53-3b4a-4acb-9aa2-9398e36bd253" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual_ddd09b4a-6f87-4f9c-ac41-5ea154769806" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing_21f928ce-e119-4143-8c13-cde6bbf8e463" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_NonPerformingLoansAbstract_94085a53-3b4a-4acb-9aa2-9398e36bd253" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing_21f928ce-e119-4143-8c13-cde6bbf8e463" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableNonPerformingLoans_06428893-a64d-40c9-90a1-8eec1a8de20a" xlink:href="ibcp-20230331.xsd#ibcp_FinancingReceivableNonPerformingLoans"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_NonPerformingLoansAbstract_94085a53-3b4a-4acb-9aa2-9398e36bd253" xlink:to="loc_ibcp_FinancingReceivableNonPerformingLoans_06428893-a64d-40c9-90a1-8eec1a8de20a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss_fb4dbd78-36da-49d3-bf07-1bf48c1a5f44" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_NonPerformingLoansAbstract_94085a53-3b4a-4acb-9aa2-9398e36bd253" xlink:to="loc_us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss_fb4dbd78-36da-49d3-bf07-1bf48c1a5f44" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableGovernmentGuaranteedLoans_bc63791e-9421-4a7e-a3be-8d6b21fcade9" xlink:href="ibcp-20230331.xsd#ibcp_FinancingReceivableGovernmentGuaranteedLoans"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_NonPerformingLoansAbstract_94085a53-3b4a-4acb-9aa2-9398e36bd253" xlink:to="loc_ibcp_FinancingReceivableGovernmentGuaranteedLoans_bc63791e-9421-4a7e-a3be-8d6b21fcade9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/LoansAmortizedCostofCollateraldependentLoansbyClassDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#LoansAmortizedCostofCollateraldependentLoansbyClassDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/LoansAmortizedCostofCollateraldependentLoansbyClassDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_f7d7a5e5-7946-49e5-ac29-6f0ffcf90588" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_3e36ab83-a6b4-4f12-85b0-51dc389bfa4c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFinancingReceivablesPastDueTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_f7d7a5e5-7946-49e5-ac29-6f0ffcf90588" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_3e36ab83-a6b4-4f12-85b0-51dc389bfa4c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_24d94958-42ec-4421-9188-678299e73a4c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_3e36ab83-a6b4-4f12-85b0-51dc389bfa4c" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_24d94958-42ec-4421-9188-678299e73a4c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_2abbe3f9-779e-41b3-a236-06d8585f29af" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_24d94958-42ec-4421-9188-678299e73a4c" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_2abbe3f9-779e-41b3-a236-06d8585f29af" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_0259b150-9f55-4daf-a4f6-91469751321b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_2abbe3f9-779e-41b3-a236-06d8585f29af" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_0259b150-9f55-4daf-a4f6-91469751321b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_a48cd27c-1b09-4558-bfc8-3ccc6049675a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_2abbe3f9-779e-41b3-a236-06d8585f29af" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_a48cd27c-1b09-4558-bfc8-3ccc6049675a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentPortfolioSegmentMember_600937e5-ba8c-4f83-b494-7341f0059f3f" xlink:href="ibcp-20230331.xsd#ibcp_InstallmentPortfolioSegmentMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_2abbe3f9-779e-41b3-a236-06d8585f29af" xlink:to="loc_ibcp_InstallmentPortfolioSegmentMember_600937e5-ba8c-4f83-b494-7341f0059f3f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_cc4e6b8c-253c-4272-8612-0b89cab61ec4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_3e36ab83-a6b4-4f12-85b0-51dc389bfa4c" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_cc4e6b8c-253c-4272-8612-0b89cab61ec4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_811cdfe1-529a-4804-9f3b-66d8ed8478fc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_cc4e6b8c-253c-4272-8612-0b89cab61ec4" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_811cdfe1-529a-4804-9f3b-66d8ed8478fc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CommercialAndIndustrialMember_92239b10-18b5-4a94-8b40-aeb170a1b6a6" xlink:href="ibcp-20230331.xsd#ibcp_CommercialAndIndustrialMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_811cdfe1-529a-4804-9f3b-66d8ed8478fc" xlink:to="loc_ibcp_CommercialAndIndustrialMember_92239b10-18b5-4a94-8b40-aeb170a1b6a6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CommercialRealEstateLoanMember_e137e809-4ede-433e-aa4d-ac2fe02e0737" xlink:href="ibcp-20230331.xsd#ibcp_CommercialRealEstateLoanMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_811cdfe1-529a-4804-9f3b-66d8ed8478fc" xlink:to="loc_ibcp_CommercialRealEstateLoanMember_e137e809-4ede-433e-aa4d-ac2fe02e0737" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14OwnerOccupiedJumboMember_5c834650-61b9-4f15-a377-90dea9afbd9b" xlink:href="ibcp-20230331.xsd#ibcp_Family14OwnerOccupiedJumboMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_811cdfe1-529a-4804-9f3b-66d8ed8478fc" xlink:to="loc_ibcp_Family14OwnerOccupiedJumboMember_5c834650-61b9-4f15-a377-90dea9afbd9b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14OwnerOccupiedNonJumboMember_67a56968-524c-468a-88bf-d096aa946d9e" xlink:href="ibcp-20230331.xsd#ibcp_Family14OwnerOccupiedNonJumboMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_811cdfe1-529a-4804-9f3b-66d8ed8478fc" xlink:to="loc_ibcp_Family14OwnerOccupiedNonJumboMember_67a56968-524c-468a-88bf-d096aa946d9e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14NonOwnerOccupiedMember_7bbbc670-ad47-480b-a7c4-26977654135b" xlink:href="ibcp-20230331.xsd#ibcp_Family14NonOwnerOccupiedMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_811cdfe1-529a-4804-9f3b-66d8ed8478fc" xlink:to="loc_ibcp_Family14NonOwnerOccupiedMember_7bbbc670-ad47-480b-a7c4-26977654135b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14SecondLienMember_c8ae9bb1-0761-4c80-9667-a91e24ca2392" xlink:href="ibcp-20230331.xsd#ibcp_Family14SecondLienMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_811cdfe1-529a-4804-9f3b-66d8ed8478fc" xlink:to="loc_ibcp_Family14SecondLienMember_c8ae9bb1-0761-4c80-9667-a91e24ca2392" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ResortLendingMember_49b3a072-9008-4561-a5fe-75869130a869" xlink:href="ibcp-20230331.xsd#ibcp_ResortLendingMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_811cdfe1-529a-4804-9f3b-66d8ed8478fc" xlink:to="loc_ibcp_ResortLendingMember_49b3a072-9008-4561-a5fe-75869130a869" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_BoatLendingMember_579a6f46-58be-41b9-b863-5e395956f0a2" xlink:href="ibcp-20230331.xsd#ibcp_BoatLendingMember"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_811cdfe1-529a-4804-9f3b-66d8ed8478fc" xlink:to="loc_ibcp_BoatLendingMember_579a6f46-58be-41b9-b863-5e395956f0a2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_RecreationalVehicleLendingMember_ca0e95dd-20b9-4be9-ad91-67a27df76679" xlink:href="ibcp-20230331.xsd#ibcp_RecreationalVehicleLendingMember"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_811cdfe1-529a-4804-9f3b-66d8ed8478fc" xlink:to="loc_ibcp_RecreationalVehicleLendingMember_ca0e95dd-20b9-4be9-ad91-67a27df76679" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentOtherMember_4c9c64ae-e439-4948-b4ba-5e6f1e4d5420" xlink:href="ibcp-20230331.xsd#ibcp_InstallmentOtherMember"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_811cdfe1-529a-4804-9f3b-66d8ed8478fc" xlink:to="loc_ibcp_InstallmentOtherMember_4c9c64ae-e439-4948-b4ba-5e6f1e4d5420" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralAxis_f7576ee8-66fe-4bec-a45b-94a3a8ddfef6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CollateralAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_3e36ab83-a6b4-4f12-85b0-51dc389bfa4c" xlink:to="loc_us-gaap_CollateralAxis_f7576ee8-66fe-4bec-a45b-94a3a8ddfef6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralDomain_296fa615-6045-4af1-aec5-876f9773c991" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CollateralDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CollateralAxis_f7576ee8-66fe-4bec-a45b-94a3a8ddfef6" xlink:to="loc_us-gaap_CollateralDomain_296fa615-6045-4af1-aec5-876f9773c991" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateMember_741bfe2b-639c-4f3a-a3a2-f03929255237" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RealEstateMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CollateralDomain_296fa615-6045-4af1-aec5-876f9773c991" xlink:to="loc_us-gaap_RealEstateMember_741bfe2b-639c-4f3a-a3a2-f03929255237" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_OtherCollateralLoanMember_fb8522a7-4c58-4f22-b204-c44900e6e234" xlink:href="ibcp-20230331.xsd#ibcp_OtherCollateralLoanMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CollateralDomain_296fa615-6045-4af1-aec5-876f9773c991" xlink:to="loc_ibcp_OtherCollateralLoanMember_fb8522a7-4c58-4f22-b204-c44900e6e234" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CollateralDependentLoanMember_4fcf83ce-6545-4633-852f-6e9925ccbede" xlink:href="ibcp-20230331.xsd#ibcp_CollateralDependentLoanMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CollateralDomain_296fa615-6045-4af1-aec5-876f9773c991" xlink:to="loc_ibcp_CollateralDependentLoanMember_4fcf83ce-6545-4633-852f-6e9925ccbede" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_27263dbc-6f19-44da-b14a-3b5d9bd8302c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_3e36ab83-a6b4-4f12-85b0-51dc389bfa4c" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_27263dbc-6f19-44da-b14a-3b5d9bd8302c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_3792c999-6630-4261-b918-d7ff1113d0bb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_27263dbc-6f19-44da-b14a-3b5d9bd8302c" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_3792c999-6630-4261-b918-d7ff1113d0bb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_c4ac3e7c-402a-4ec6-8c90-fda3acdff2de" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_27263dbc-6f19-44da-b14a-3b5d9bd8302c" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_c4ac3e7c-402a-4ec6-8c90-fda3acdff2de" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss_9bd257e2-0681-4008-b1bf-aee51f4b9adb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_27263dbc-6f19-44da-b14a-3b5d9bd8302c" xlink:to="loc_us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss_9bd257e2-0681-4008-b1bf-aee51f4b9adb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/LoansAgingAnalysisofLoansbyClassDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#LoansAgingAnalysisofLoansbyClassDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/LoansAgingAnalysisofLoansbyClassDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_b226d436-cc2a-4262-aec4-1f2443600827" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_ecfed0ca-1439-4300-896d-958a8f4a0d7a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFinancingReceivablesPastDueTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_b226d436-cc2a-4262-aec4-1f2443600827" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_ecfed0ca-1439-4300-896d-958a8f4a0d7a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_aefa7e28-6b93-458c-a993-980710b38724" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_ecfed0ca-1439-4300-896d-958a8f4a0d7a" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_aefa7e28-6b93-458c-a993-980710b38724" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_8bbaa64f-f806-4b22-ae22-f83dce395e0f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_aefa7e28-6b93-458c-a993-980710b38724" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_8bbaa64f-f806-4b22-ae22-f83dce395e0f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_30ca7c6e-7f5c-47be-a89a-c41608ed3ea6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_8bbaa64f-f806-4b22-ae22-f83dce395e0f" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_30ca7c6e-7f5c-47be-a89a-c41608ed3ea6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_c0d05f82-f5e9-4cd6-bf5d-0d41002dfaa0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_8bbaa64f-f806-4b22-ae22-f83dce395e0f" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_c0d05f82-f5e9-4cd6-bf5d-0d41002dfaa0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentPortfolioSegmentMember_99d985bf-da01-4947-beac-17f11619e622" xlink:href="ibcp-20230331.xsd#ibcp_InstallmentPortfolioSegmentMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_8bbaa64f-f806-4b22-ae22-f83dce395e0f" xlink:to="loc_ibcp_InstallmentPortfolioSegmentMember_99d985bf-da01-4947-beac-17f11619e622" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4c737237-e642-4bd3-86e8-2603b94718b5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_ecfed0ca-1439-4300-896d-958a8f4a0d7a" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4c737237-e642-4bd3-86e8-2603b94718b5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_64234e56-940b-449f-8c99-c8913e2f1484" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_4c737237-e642-4bd3-86e8-2603b94718b5" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_64234e56-940b-449f-8c99-c8913e2f1484" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CommercialAndIndustrialMember_227aba86-3402-4da0-8fe0-6dcb9e16ed22" xlink:href="ibcp-20230331.xsd#ibcp_CommercialAndIndustrialMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_64234e56-940b-449f-8c99-c8913e2f1484" xlink:to="loc_ibcp_CommercialAndIndustrialMember_227aba86-3402-4da0-8fe0-6dcb9e16ed22" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CommercialRealEstateLoanMember_7a9a6aee-d8ed-4bca-ab78-14d2e0ba8670" xlink:href="ibcp-20230331.xsd#ibcp_CommercialRealEstateLoanMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_64234e56-940b-449f-8c99-c8913e2f1484" xlink:to="loc_ibcp_CommercialRealEstateLoanMember_7a9a6aee-d8ed-4bca-ab78-14d2e0ba8670" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14OwnerOccupiedJumboMember_cb81f007-6ec9-4ef5-a061-540343e5d46f" xlink:href="ibcp-20230331.xsd#ibcp_Family14OwnerOccupiedJumboMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_64234e56-940b-449f-8c99-c8913e2f1484" xlink:to="loc_ibcp_Family14OwnerOccupiedJumboMember_cb81f007-6ec9-4ef5-a061-540343e5d46f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14OwnerOccupiedNonJumboMember_a5a31dc9-96f5-42a5-ba0f-964026ba27b0" xlink:href="ibcp-20230331.xsd#ibcp_Family14OwnerOccupiedNonJumboMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_64234e56-940b-449f-8c99-c8913e2f1484" xlink:to="loc_ibcp_Family14OwnerOccupiedNonJumboMember_a5a31dc9-96f5-42a5-ba0f-964026ba27b0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14NonOwnerOccupiedMember_8486eb38-b075-4fd7-870a-0da47439712c" xlink:href="ibcp-20230331.xsd#ibcp_Family14NonOwnerOccupiedMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_64234e56-940b-449f-8c99-c8913e2f1484" xlink:to="loc_ibcp_Family14NonOwnerOccupiedMember_8486eb38-b075-4fd7-870a-0da47439712c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14SecondLienMember_261621bc-d6ca-46b7-857d-aa6012993666" xlink:href="ibcp-20230331.xsd#ibcp_Family14SecondLienMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_64234e56-940b-449f-8c99-c8913e2f1484" xlink:to="loc_ibcp_Family14SecondLienMember_261621bc-d6ca-46b7-857d-aa6012993666" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ResortLendingMember_94a7e452-195a-41b4-b8f6-2ca3e89985d5" xlink:href="ibcp-20230331.xsd#ibcp_ResortLendingMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_64234e56-940b-449f-8c99-c8913e2f1484" xlink:to="loc_ibcp_ResortLendingMember_94a7e452-195a-41b4-b8f6-2ca3e89985d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_BoatLendingMember_e2a7ca0d-8ec4-48e8-8742-30f3d38392c7" xlink:href="ibcp-20230331.xsd#ibcp_BoatLendingMember"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_64234e56-940b-449f-8c99-c8913e2f1484" xlink:to="loc_ibcp_BoatLendingMember_e2a7ca0d-8ec4-48e8-8742-30f3d38392c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_RecreationalVehicleLendingMember_03a7c0be-ac81-4368-a345-9722d6e1b1d2" xlink:href="ibcp-20230331.xsd#ibcp_RecreationalVehicleLendingMember"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_64234e56-940b-449f-8c99-c8913e2f1484" xlink:to="loc_ibcp_RecreationalVehicleLendingMember_03a7c0be-ac81-4368-a345-9722d6e1b1d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentOtherMember_dc21b723-d340-4513-9018-9ac6c2c03989" xlink:href="ibcp-20230331.xsd#ibcp_InstallmentOtherMember"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_64234e56-940b-449f-8c99-c8913e2f1484" xlink:to="loc_ibcp_InstallmentOtherMember_dc21b723-d340-4513-9018-9ac6c2c03989" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_c452022e-7950-417d-9a92-6002d106bff3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_ecfed0ca-1439-4300-896d-958a8f4a0d7a" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_c452022e-7950-417d-9a92-6002d106bff3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_7c453a75-624d-464c-85f9-4f3e6f99036f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_c452022e-7950-417d-9a92-6002d106bff3" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_7c453a75-624d-464c-85f9-4f3e6f99036f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetPastDueMember_326b796f-45da-47f6-9942-cfbe15eec437" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialAssetPastDueMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_7c453a75-624d-464c-85f9-4f3e6f99036f" xlink:to="loc_us-gaap_FinancialAssetPastDueMember_326b796f-45da-47f6-9942-cfbe15eec437" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_fcc9d3ba-02db-4c46-b2c9-db6781b529f2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivables30To59DaysPastDueMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialAssetPastDueMember_326b796f-45da-47f6-9942-cfbe15eec437" xlink:to="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_fcc9d3ba-02db-4c46-b2c9-db6781b529f2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_f19270c9-adcb-4817-887f-fcb2b2b527ec" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivables60To89DaysPastDueMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialAssetPastDueMember_326b796f-45da-47f6-9942-cfbe15eec437" xlink:to="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_f19270c9-adcb-4817-887f-fcb2b2b527ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_9549328a-48bc-4047-8931-d23f648e63d6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialAssetPastDueMember_326b796f-45da-47f6-9942-cfbe15eec437" xlink:to="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_9549328a-48bc-4047-8931-d23f648e63d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetNotPastDueMember_b7985dc6-aaab-492a-a286-e5cac350abc5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialAssetNotPastDueMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_7c453a75-624d-464c-85f9-4f3e6f99036f" xlink:to="loc_us-gaap_FinancialAssetNotPastDueMember_b7985dc6-aaab-492a-a286-e5cac350abc5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_46830930-7dca-4f42-93cd-f138830dedc7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_ecfed0ca-1439-4300-896d-958a8f4a0d7a" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_46830930-7dca-4f42-93cd-f138830dedc7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_AgingAnalysisOfLoansByClassAbstract_1affb261-9c93-4495-ba7e-65fee91d7af2" xlink:href="ibcp-20230331.xsd#ibcp_AgingAnalysisOfLoansByClassAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_46830930-7dca-4f42-93cd-f138830dedc7" xlink:to="loc_ibcp_AgingAnalysisOfLoansByClassAbstract_1affb261-9c93-4495-ba7e-65fee91d7af2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_f81afe91-39e1-4e22-85b1-2eea87a32fdd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_AgingAnalysisOfLoansByClassAbstract_1affb261-9c93-4495-ba7e-65fee91d7af2" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_f81afe91-39e1-4e22-85b1-2eea87a32fdd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss_9d267b82-5487-4f9f-b4b7-1bff3bdbd850" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_AgingAnalysisOfLoansByClassAbstract_1affb261-9c93-4495-ba7e-65fee91d7af2" xlink:to="loc_us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss_9d267b82-5487-4f9f-b4b7-1bff3bdbd850" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/LoansNarrativeDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#LoansNarrativeDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/LoansNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_2554cbc6-ded0-46ac-9e63-e3a33d5fd95e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_ca400a3d-9f29-45d5-9d33-ec4b17497509" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_2554cbc6-ded0-46ac-9e63-e3a33d5fd95e" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_ca400a3d-9f29-45d5-9d33-ec4b17497509" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_988ee517-7508-4809-8fed-47f5c6b57a2f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_ca400a3d-9f29-45d5-9d33-ec4b17497509" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_988ee517-7508-4809-8fed-47f5c6b57a2f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_ee13b7db-b996-40f9-8eeb-68791bf037d2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_988ee517-7508-4809-8fed-47f5c6b57a2f" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_ee13b7db-b996-40f9-8eeb-68791bf037d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_58d766d1-0d8e-450f-b8cb-e9e5fbbe397a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_ee13b7db-b996-40f9-8eeb-68791bf037d2" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_58d766d1-0d8e-450f-b8cb-e9e5fbbe397a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_b84dde68-0c7f-4f29-a123-0456df8f4f04" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_ca400a3d-9f29-45d5-9d33-ec4b17497509" xlink:to="loc_us-gaap_FinancialInstrumentAxis_b84dde68-0c7f-4f29-a123-0456df8f4f04" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_f3a3d767-d29d-4905-8f57-7ef29acd0edf" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_b84dde68-0c7f-4f29-a123-0456df8f4f04" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_f3a3d767-d29d-4905-8f57-7ef29acd0edf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FixedRateResidentialMortgageMember_8aa1a93f-d395-4964-8bc3-68b37cf0dd0a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FixedRateResidentialMortgageMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_f3a3d767-d29d-4905-8f57-7ef29acd0edf" xlink:to="loc_us-gaap_FixedRateResidentialMortgageMember_8aa1a93f-d395-4964-8bc3-68b37cf0dd0a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_3ce9accb-d738-491d-969f-3cbd570441a5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_ca400a3d-9f29-45d5-9d33-ec4b17497509" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_3ce9accb-d738-491d-969f-3cbd570441a5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_96d2e3fd-8273-4d01-be2c-45dfaa91336d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_3ce9accb-d738-491d-969f-3cbd570441a5" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_96d2e3fd-8273-4d01-be2c-45dfaa91336d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FixedRateResidentialMortgageMember_725121e6-1606-4df1-8eca-7ebe2c1adfb9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FixedRateResidentialMortgageMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_96d2e3fd-8273-4d01-be2c-45dfaa91336d" xlink:to="loc_us-gaap_FixedRateResidentialMortgageMember_725121e6-1606-4df1-8eca-7ebe2c1adfb9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_10ef4794-f807-4d24-9bd8-ecbaa9575563" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_ca400a3d-9f29-45d5-9d33-ec4b17497509" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_10ef4794-f807-4d24-9bd8-ecbaa9575563" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod_4732f22e-6ec7-4fdc-adc6-36bf3d08d0c1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_10ef4794-f807-4d24-9bd8-ecbaa9575563" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod_4732f22e-6ec7-4fdc-adc6-36bf3d08d0c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedSubsequentDefault_7df5558a-d382-4f2e-97ba-b51497b5b389" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestModifiedSubsequentDefault"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_10ef4794-f807-4d24-9bd8-ecbaa9575563" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedSubsequentDefault_7df5558a-d382-4f2e-97ba-b51497b5b389" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsNumberOfContracts2_18f7fd08-c1ae-4d2a-9ef2-43d31fb3e92a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableModificationsNumberOfContracts2"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_10ef4794-f807-4d24-9bd8-ecbaa9575563" xlink:to="loc_us-gaap_FinancingReceivableModificationsNumberOfContracts2_18f7fd08-c1ae-4d2a-9ef2-43d31fb3e92a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1_883f7c93-e6bc-41d1-b26f-08e7d1b6604e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_10ef4794-f807-4d24-9bd8-ecbaa9575563" xlink:to="loc_us-gaap_FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1_883f7c93-e6bc-41d1-b26f-08e7d1b6604e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_PastDuePeriodForModifiedLoans_a9c8fbec-4bd4-4c4f-9ef5-be5b70b12fa7" xlink:href="ibcp-20230331.xsd#ibcp_PastDuePeriodForModifiedLoans"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_10ef4794-f807-4d24-9bd8-ecbaa9575563" xlink:to="loc_ibcp_PastDuePeriodForModifiedLoans_a9c8fbec-4bd4-4c4f-9ef5-be5b70b12fa7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateAcquiredThroughForeclosure_42bd0779-ea59-4109-a773-46cbea59c62f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RealEstateAcquiredThroughForeclosure"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_10ef4794-f807-4d24-9bd8-ecbaa9575563" xlink:to="loc_us-gaap_RealEstateAcquiredThroughForeclosure_42bd0779-ea59-4109-a773-46cbea59c62f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageLoansInProcessOfForeclosureAmount_3a6f2825-4d84-4ac7-bb7a-3545e5f36c06" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageLoansInProcessOfForeclosureAmount"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_10ef4794-f807-4d24-9bd8-ecbaa9575563" xlink:to="loc_us-gaap_MortgageLoansInProcessOfForeclosureAmount_3a6f2825-4d84-4ac7-bb7a-3545e5f36c06" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfLoansHeldForInvestment_b3de67b6-0563-47f3-adfa-f8e22231b883" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromSaleOfLoansHeldForInvestment"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_10ef4794-f807-4d24-9bd8-ecbaa9575563" xlink:to="loc_us-gaap_ProceedsFromSaleOfLoansHeldForInvestment_b3de67b6-0563-47f3-adfa-f8e22231b883" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSalesOfLoansNet_043dd244-8e96-4e1d-a734-77e99d064e6c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GainLossOnSalesOfLoansNet"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_10ef4794-f807-4d24-9bd8-ecbaa9575563" xlink:to="loc_us-gaap_GainLossOnSalesOfLoansNet_043dd244-8e96-4e1d-a734-77e99d064e6c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/LoansLoanRatingsbyLoanClassCommercialDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#LoansLoanRatingsbyLoanClassCommercialDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/LoansLoanRatingsbyLoanClassCommercialDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_f78b0f0c-dab3-4f63-b441-8fe304e84975" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_4fb40d25-45d2-4fff-91e7-9d82f86e0c41" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_f78b0f0c-dab3-4f63-b441-8fe304e84975" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_4fb40d25-45d2-4fff-91e7-9d82f86e0c41" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_f8cbea05-5e66-4135-bdca-8b66bdcce6f6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_4fb40d25-45d2-4fff-91e7-9d82f86e0c41" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_f8cbea05-5e66-4135-bdca-8b66bdcce6f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_e4d70c53-3108-4ad8-a038-fa4051571ae8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_f8cbea05-5e66-4135-bdca-8b66bdcce6f6" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_e4d70c53-3108-4ad8-a038-fa4051571ae8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_b3c513bc-3ced-4376-b47d-b5ca5ea5b882" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_e4d70c53-3108-4ad8-a038-fa4051571ae8" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_b3c513bc-3ced-4376-b47d-b5ca5ea5b882" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_47bc93cd-a170-4963-a045-497b5823bc1f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_4fb40d25-45d2-4fff-91e7-9d82f86e0c41" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_47bc93cd-a170-4963-a045-497b5823bc1f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_f66594af-d641-48b4-b17a-70f3abd422e2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_47bc93cd-a170-4963-a045-497b5823bc1f" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_f66594af-d641-48b4-b17a-70f3abd422e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CommercialAndIndustrialMember_c4f4aaab-42ea-436e-8e37-9b30a3bd4d2f" xlink:href="ibcp-20230331.xsd#ibcp_CommercialAndIndustrialMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_f66594af-d641-48b4-b17a-70f3abd422e2" xlink:to="loc_ibcp_CommercialAndIndustrialMember_c4f4aaab-42ea-436e-8e37-9b30a3bd4d2f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CommercialRealEstateLoanMember_16bf4928-a064-405f-ba3e-1c2fd3a0b3a5" xlink:href="ibcp-20230331.xsd#ibcp_CommercialRealEstateLoanMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_f66594af-d641-48b4-b17a-70f3abd422e2" xlink:to="loc_ibcp_CommercialRealEstateLoanMember_16bf4928-a064-405f-ba3e-1c2fd3a0b3a5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentAxis_5e4d6366-42e4-45d8-ba60-7c2288c39c09" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InternalCreditAssessmentAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_4fb40d25-45d2-4fff-91e7-9d82f86e0c41" xlink:to="loc_us-gaap_InternalCreditAssessmentAxis_5e4d6366-42e4-45d8-ba60-7c2288c39c09" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentDomain_7ae5a291-55c2-43c9-acb3-ffd90022c554" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InternalCreditAssessmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InternalCreditAssessmentAxis_5e4d6366-42e4-45d8-ba60-7c2288c39c09" xlink:to="loc_us-gaap_InternalCreditAssessmentDomain_7ae5a291-55c2-43c9-acb3-ffd90022c554" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_NonWatch16Member_f9546b65-2697-4858-8109-550dfe87627b" xlink:href="ibcp-20230331.xsd#ibcp_NonWatch16Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_7ae5a291-55c2-43c9-acb3-ffd90022c554" xlink:to="loc_ibcp_NonWatch16Member_f9546b65-2697-4858-8109-550dfe87627b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Watch78Member_d64cadf0-83cc-4fa7-9ad1-fd2714f4f370" xlink:href="ibcp-20230331.xsd#ibcp_Watch78Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_7ae5a291-55c2-43c9-acb3-ffd90022c554" xlink:to="loc_ibcp_Watch78Member_d64cadf0-83cc-4fa7-9ad1-fd2714f4f370" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_SubstandardAccrual9Member_d06576f6-e091-4b1a-af3f-1d57da932f96" xlink:href="ibcp-20230331.xsd#ibcp_SubstandardAccrual9Member"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_7ae5a291-55c2-43c9-acb3-ffd90022c554" xlink:to="loc_ibcp_SubstandardAccrual9Member_d06576f6-e091-4b1a-af3f-1d57da932f96" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_NonAccrual1011Member_dcfb0ea5-af67-45f8-88ef-518e31904188" xlink:href="ibcp-20230331.xsd#ibcp_NonAccrual1011Member"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_7ae5a291-55c2-43c9-acb3-ffd90022c554" xlink:to="loc_ibcp_NonAccrual1011Member_dcfb0ea5-af67-45f8-88ef-518e31904188" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_de748435-5e44-4c68-b420-8bb4e7cf6b1e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_4fb40d25-45d2-4fff-91e7-9d82f86e0c41" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_de748435-5e44-4c68-b420-8bb4e7cf6b1e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_f923d0c5-265c-40a6-b5f1-d15c58a088ac" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_de748435-5e44-4c68-b420-8bb4e7cf6b1e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_f923d0c5-265c-40a6-b5f1-d15c58a088ac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_fbd591b4-7614-4f77-b1d2-99f67607bee9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_de748435-5e44-4c68-b420-8bb4e7cf6b1e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_fbd591b4-7614-4f77-b1d2-99f67607bee9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_017148f9-c335-422a-884c-c2dd6961cc2a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_de748435-5e44-4c68-b420-8bb4e7cf6b1e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_017148f9-c335-422a-884c-c2dd6961cc2a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_b3cc29a9-7c0f-474e-a2e9-f3df0850db85" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_de748435-5e44-4c68-b420-8bb4e7cf6b1e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_b3cc29a9-7c0f-474e-a2e9-f3df0850db85" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_f7529926-18ec-4c07-89b0-d5fe53e38c17" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_de748435-5e44-4c68-b420-8bb4e7cf6b1e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_f7529926-18ec-4c07-89b0-d5fe53e38c17" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_336420f0-533c-4168-94e2-0c2c155191c2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_de748435-5e44-4c68-b420-8bb4e7cf6b1e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_336420f0-533c-4168-94e2-0c2c155191c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving_35d3bc25-0cfd-4e41-bd10-437eeeb5c48f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolving"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_de748435-5e44-4c68-b420-8bb4e7cf6b1e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving_35d3bc25-0cfd-4e41-bd10-437eeeb5c48f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_98b37813-b65c-4343-a15e-c4e79cb08ea8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_de748435-5e44-4c68-b420-8bb4e7cf6b1e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_98b37813-b65c-4343-a15e-c4e79cb08ea8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAccruedInterestCurrentFiscalYear_74505f1a-5cb0-4ab8-a9bc-96f3437e92a8" xlink:href="ibcp-20230331.xsd#ibcp_FinancingReceivableAccruedInterestCurrentFiscalYear"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_de748435-5e44-4c68-b420-8bb4e7cf6b1e" xlink:to="loc_ibcp_FinancingReceivableAccruedInterestCurrentFiscalYear_74505f1a-5cb0-4ab8-a9bc-96f3437e92a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAccruedInterestFiscalYearBeforeCurrentFiscalYear_615c263a-922b-4365-81a6-adfe95f06611" xlink:href="ibcp-20230331.xsd#ibcp_FinancingReceivableAccruedInterestFiscalYearBeforeCurrentFiscalYear"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_de748435-5e44-4c68-b420-8bb4e7cf6b1e" xlink:to="loc_ibcp_FinancingReceivableAccruedInterestFiscalYearBeforeCurrentFiscalYear_615c263a-922b-4365-81a6-adfe95f06611" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAccruedInterestTwoYearsBeforeCurrentFiscalYear_b6ce60b8-c552-48b4-88d3-586a113e7bf0" xlink:href="ibcp-20230331.xsd#ibcp_FinancingReceivableAccruedInterestTwoYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_de748435-5e44-4c68-b420-8bb4e7cf6b1e" xlink:to="loc_ibcp_FinancingReceivableAccruedInterestTwoYearsBeforeCurrentFiscalYear_b6ce60b8-c552-48b4-88d3-586a113e7bf0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAccruedInterestThreeYearsBeforeCurrentFiscalYear_90467f5c-5ad6-46d7-9289-2e2a901b2364" xlink:href="ibcp-20230331.xsd#ibcp_FinancingReceivableAccruedInterestThreeYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_de748435-5e44-4c68-b420-8bb4e7cf6b1e" xlink:to="loc_ibcp_FinancingReceivableAccruedInterestThreeYearsBeforeCurrentFiscalYear_90467f5c-5ad6-46d7-9289-2e2a901b2364" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAccruedInterestFourYearsBeforeCurrentFiscalYear_40faea8b-52f9-46ae-9dfb-c4663226e4bf" xlink:href="ibcp-20230331.xsd#ibcp_FinancingReceivableAccruedInterestFourYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_de748435-5e44-4c68-b420-8bb4e7cf6b1e" xlink:to="loc_ibcp_FinancingReceivableAccruedInterestFourYearsBeforeCurrentFiscalYear_40faea8b-52f9-46ae-9dfb-c4663226e4bf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAccruedInterestMoreThanFiveYearsBeforeCurrentFiscalYear_c377e9af-9059-4e58-93c2-fd494051ec84" xlink:href="ibcp-20230331.xsd#ibcp_FinancingReceivableAccruedInterestMoreThanFiveYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_de748435-5e44-4c68-b420-8bb4e7cf6b1e" xlink:to="loc_ibcp_FinancingReceivableAccruedInterestMoreThanFiveYearsBeforeCurrentFiscalYear_c377e9af-9059-4e58-93c2-fd494051ec84" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAccruedInterestRevolving_22810a9f-a096-4247-be2f-0a59941b4d92" xlink:href="ibcp-20230331.xsd#ibcp_FinancingReceivableAccruedInterestRevolving"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_de748435-5e44-4c68-b420-8bb4e7cf6b1e" xlink:to="loc_ibcp_FinancingReceivableAccruedInterestRevolving_22810a9f-a096-4247-be2f-0a59941b4d92" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss_8b329cc2-181a-416e-8764-dac6b226b96f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_de748435-5e44-4c68-b420-8bb4e7cf6b1e" xlink:to="loc_us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss_8b329cc2-181a-416e-8764-dac6b226b96f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff_420264a7-dbdd-46a0-9e9d-641d46163299" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_de748435-5e44-4c68-b420-8bb4e7cf6b1e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff_420264a7-dbdd-46a0-9e9d-641d46163299" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_f227f659-531d-4d17-8514-8c4081e1d6f3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_de748435-5e44-4c68-b420-8bb4e7cf6b1e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_f227f659-531d-4d17-8514-8c4081e1d6f3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_40a2b9b3-13ee-4ead-86c2-54433494d7b9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_de748435-5e44-4c68-b420-8bb4e7cf6b1e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_40a2b9b3-13ee-4ead-86c2-54433494d7b9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_6fdfb59d-424a-4edc-9205-c986250452d1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_de748435-5e44-4c68-b420-8bb4e7cf6b1e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_6fdfb59d-424a-4edc-9205-c986250452d1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_03473f58-8a50-41b8-bbfc-bd5711a2ab8b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_de748435-5e44-4c68-b420-8bb4e7cf6b1e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_03473f58-8a50-41b8-bbfc-bd5711a2ab8b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_b3de2460-a384-47fe-99b2-7af8e71e3cb0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_de748435-5e44-4c68-b420-8bb4e7cf6b1e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_b3de2460-a384-47fe-99b2-7af8e71e3cb0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff_ad832313-3b6d-4442-ba76-06f2cafaa8d9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff"/>
    <link:presentationArc order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_de748435-5e44-4c68-b420-8bb4e7cf6b1e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff_ad832313-3b6d-4442-ba76-06f2cafaa8d9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_0031238c-2acd-4ae7-9399-daab23750a68" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
    <link:presentationArc order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_de748435-5e44-4c68-b420-8bb4e7cf6b1e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_0031238c-2acd-4ae7-9399-daab23750a68" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/LoansCreditScoresbyLoanClassMortgageandInstallmentSegmentsDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#LoansCreditScoresbyLoanClassMortgageandInstallmentSegmentsDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/LoansCreditScoresbyLoanClassMortgageandInstallmentSegmentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract_006af9a1-c543-4ee5-9629-4c08fecd6b0a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReceivablesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_c7b68856-fc86-4bd9-9e76-4bd306217fc8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReceivablesAbstract_006af9a1-c543-4ee5-9629-4c08fecd6b0a" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_c7b68856-fc86-4bd9-9e76-4bd306217fc8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_f84e9dfc-4420-44ce-8a43-e31c558c23f6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_c7b68856-fc86-4bd9-9e76-4bd306217fc8" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_f84e9dfc-4420-44ce-8a43-e31c558c23f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_6ff21cad-433a-4806-b4c8-aadf0bd919e4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_f84e9dfc-4420-44ce-8a43-e31c558c23f6" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_6ff21cad-433a-4806-b4c8-aadf0bd919e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_65063524-1fde-47fa-b65a-d66e743c3d50" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_6ff21cad-433a-4806-b4c8-aadf0bd919e4" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_65063524-1fde-47fa-b65a-d66e743c3d50" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentPortfolioSegmentMember_9da60efc-75b3-481a-b4cb-f89179069422" xlink:href="ibcp-20230331.xsd#ibcp_InstallmentPortfolioSegmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_6ff21cad-433a-4806-b4c8-aadf0bd919e4" xlink:to="loc_ibcp_InstallmentPortfolioSegmentMember_9da60efc-75b3-481a-b4cb-f89179069422" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_f040faf2-dccf-4afc-9170-c2e3d78e882f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_c7b68856-fc86-4bd9-9e76-4bd306217fc8" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_f040faf2-dccf-4afc-9170-c2e3d78e882f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_92f98611-c545-4de7-b277-a4ddd6534ef2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_f040faf2-dccf-4afc-9170-c2e3d78e882f" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_92f98611-c545-4de7-b277-a4ddd6534ef2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14OwnerOccupiedJumboMember_1b7ba493-28a5-4f16-9e5b-5889c7c14961" xlink:href="ibcp-20230331.xsd#ibcp_Family14OwnerOccupiedJumboMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_92f98611-c545-4de7-b277-a4ddd6534ef2" xlink:to="loc_ibcp_Family14OwnerOccupiedJumboMember_1b7ba493-28a5-4f16-9e5b-5889c7c14961" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14OwnerOccupiedNonJumboMember_d670bd85-1ad1-45bf-b092-3b42e1f5a1e8" xlink:href="ibcp-20230331.xsd#ibcp_Family14OwnerOccupiedNonJumboMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_92f98611-c545-4de7-b277-a4ddd6534ef2" xlink:to="loc_ibcp_Family14OwnerOccupiedNonJumboMember_d670bd85-1ad1-45bf-b092-3b42e1f5a1e8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14NonOwnerOccupiedMember_ffcffc6b-29f5-4126-aaa7-de37d34a3b7e" xlink:href="ibcp-20230331.xsd#ibcp_Family14NonOwnerOccupiedMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_92f98611-c545-4de7-b277-a4ddd6534ef2" xlink:to="loc_ibcp_Family14NonOwnerOccupiedMember_ffcffc6b-29f5-4126-aaa7-de37d34a3b7e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14SecondLienMember_c95b8049-d29e-4a82-b312-2fa70276698c" xlink:href="ibcp-20230331.xsd#ibcp_Family14SecondLienMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_92f98611-c545-4de7-b277-a4ddd6534ef2" xlink:to="loc_ibcp_Family14SecondLienMember_c95b8049-d29e-4a82-b312-2fa70276698c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ResortLendingMember_660f01bc-ba6d-4b98-a187-f580d306c715" xlink:href="ibcp-20230331.xsd#ibcp_ResortLendingMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_92f98611-c545-4de7-b277-a4ddd6534ef2" xlink:to="loc_ibcp_ResortLendingMember_660f01bc-ba6d-4b98-a187-f580d306c715" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_BoatLendingMember_19d69d8a-3d4e-4d16-8065-23f5bc12863b" xlink:href="ibcp-20230331.xsd#ibcp_BoatLendingMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_92f98611-c545-4de7-b277-a4ddd6534ef2" xlink:to="loc_ibcp_BoatLendingMember_19d69d8a-3d4e-4d16-8065-23f5bc12863b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_RecreationalVehicleLendingMember_9e246dbb-f54e-4f72-8ebb-560c40a6043c" xlink:href="ibcp-20230331.xsd#ibcp_RecreationalVehicleLendingMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_92f98611-c545-4de7-b277-a4ddd6534ef2" xlink:to="loc_ibcp_RecreationalVehicleLendingMember_9e246dbb-f54e-4f72-8ebb-560c40a6043c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentOtherMember_18c037c6-cfb7-4651-a682-b89069e0f2e3" xlink:href="ibcp-20230331.xsd#ibcp_InstallmentOtherMember"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_92f98611-c545-4de7-b277-a4ddd6534ef2" xlink:to="loc_ibcp_InstallmentOtherMember_18c037c6-cfb7-4651-a682-b89069e0f2e3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditScoreFicoAxis_a37d8acf-549d-4c12-8d93-e99355c1645e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CreditScoreFicoAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_c7b68856-fc86-4bd9-9e76-4bd306217fc8" xlink:to="loc_us-gaap_CreditScoreFicoAxis_a37d8acf-549d-4c12-8d93-e99355c1645e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditScoreFicoDomain_95dac086-9eb7-41c6-a0cc-ebcab227af40" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CreditScoreFicoDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditScoreFicoAxis_a37d8acf-549d-4c12-8d93-e99355c1645e" xlink:to="loc_us-gaap_CreditScoreFicoDomain_95dac086-9eb7-41c6-a0cc-ebcab227af40" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FICOScoreGreaterThan800Member_a07d29e5-ec3e-4518-bfe7-e53aee85be54" xlink:href="ibcp-20230331.xsd#ibcp_FICOScoreGreaterThan800Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditScoreFicoDomain_95dac086-9eb7-41c6-a0cc-ebcab227af40" xlink:to="loc_ibcp_FICOScoreGreaterThan800Member_a07d29e5-ec3e-4518-bfe7-e53aee85be54" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FICOScore750To799Member_50cd1ece-515a-4bf6-bfa1-a10abf4dd132" xlink:href="ibcp-20230331.xsd#ibcp_FICOScore750To799Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditScoreFicoDomain_95dac086-9eb7-41c6-a0cc-ebcab227af40" xlink:to="loc_ibcp_FICOScore750To799Member_50cd1ece-515a-4bf6-bfa1-a10abf4dd132" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FICOScore700To749Member_111b8f65-9537-466b-9de1-4912e0065040" xlink:href="ibcp-20230331.xsd#ibcp_FICOScore700To749Member"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditScoreFicoDomain_95dac086-9eb7-41c6-a0cc-ebcab227af40" xlink:to="loc_ibcp_FICOScore700To749Member_111b8f65-9537-466b-9de1-4912e0065040" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FICOScore650To699Member_fc5f1e66-db5a-4ff7-8053-05900e32e9ff" xlink:href="ibcp-20230331.xsd#ibcp_FICOScore650To699Member"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditScoreFicoDomain_95dac086-9eb7-41c6-a0cc-ebcab227af40" xlink:to="loc_ibcp_FICOScore650To699Member_fc5f1e66-db5a-4ff7-8053-05900e32e9ff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FICOScore600To649Member_223120e2-e781-435c-8aee-4c79f5613261" xlink:href="ibcp-20230331.xsd#ibcp_FICOScore600To649Member"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditScoreFicoDomain_95dac086-9eb7-41c6-a0cc-ebcab227af40" xlink:to="loc_ibcp_FICOScore600To649Member_223120e2-e781-435c-8aee-4c79f5613261" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FICOScore550To599Member_c83df97c-f428-4c07-b6fe-dd896ec93f11" xlink:href="ibcp-20230331.xsd#ibcp_FICOScore550To599Member"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditScoreFicoDomain_95dac086-9eb7-41c6-a0cc-ebcab227af40" xlink:to="loc_ibcp_FICOScore550To599Member_c83df97c-f428-4c07-b6fe-dd896ec93f11" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FICOScore500To549Member_e648c250-1031-4103-a6a8-f222cf04c323" xlink:href="ibcp-20230331.xsd#ibcp_FICOScore500To549Member"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditScoreFicoDomain_95dac086-9eb7-41c6-a0cc-ebcab227af40" xlink:to="loc_ibcp_FICOScore500To549Member_e648c250-1031-4103-a6a8-f222cf04c323" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FICOScoreUnder500Member_56a04526-e2b1-4883-b76c-fef027383922" xlink:href="ibcp-20230331.xsd#ibcp_FICOScoreUnder500Member"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditScoreFicoDomain_95dac086-9eb7-41c6-a0cc-ebcab227af40" xlink:to="loc_ibcp_FICOScoreUnder500Member_56a04526-e2b1-4883-b76c-fef027383922" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FICOScoreUnknownMember_5480a915-832c-4770-a38e-26a16bef9f49" xlink:href="ibcp-20230331.xsd#ibcp_FICOScoreUnknownMember"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CreditScoreFicoDomain_95dac086-9eb7-41c6-a0cc-ebcab227af40" xlink:to="loc_ibcp_FICOScoreUnknownMember_5480a915-832c-4770-a38e-26a16bef9f49" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_8316a9b9-f712-4986-8fe8-6400ce812127" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_c7b68856-fc86-4bd9-9e76-4bd306217fc8" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_8316a9b9-f712-4986-8fe8-6400ce812127" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CreditScoresByLoanClassAbstract_3e87b1bf-d103-4644-97da-7841c26c92c6" xlink:href="ibcp-20230331.xsd#ibcp_CreditScoresByLoanClassAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_8316a9b9-f712-4986-8fe8-6400ce812127" xlink:to="loc_ibcp_CreditScoresByLoanClassAbstract_3e87b1bf-d103-4644-97da-7841c26c92c6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_1b05992a-cb30-4c1f-8c9c-a8df93603d50" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_3e87b1bf-d103-4644-97da-7841c26c92c6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_1b05992a-cb30-4c1f-8c9c-a8df93603d50" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_0ccad689-6ef6-4969-a9b5-810fe0e75251" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_3e87b1bf-d103-4644-97da-7841c26c92c6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_0ccad689-6ef6-4969-a9b5-810fe0e75251" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_752bf836-0e52-4e6a-bd5d-f88932cf2013" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_3e87b1bf-d103-4644-97da-7841c26c92c6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_752bf836-0e52-4e6a-bd5d-f88932cf2013" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_ad585d0d-f517-4875-ac5e-aea2edef23b5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_3e87b1bf-d103-4644-97da-7841c26c92c6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_ad585d0d-f517-4875-ac5e-aea2edef23b5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_c9601fc1-a9aa-4919-aa81-bb8d33f55f1b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_3e87b1bf-d103-4644-97da-7841c26c92c6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_c9601fc1-a9aa-4919-aa81-bb8d33f55f1b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_4e30ec67-9b14-41be-8cd5-c2b13180f8cd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_3e87b1bf-d103-4644-97da-7841c26c92c6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_4e30ec67-9b14-41be-8cd5-c2b13180f8cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving_9e9cadbf-476b-4d90-bfdb-98f888d58008" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolving"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_3e87b1bf-d103-4644-97da-7841c26c92c6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving_9e9cadbf-476b-4d90-bfdb-98f888d58008" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_86ed5d32-c046-41d6-8592-36c8976e845f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_3e87b1bf-d103-4644-97da-7841c26c92c6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_86ed5d32-c046-41d6-8592-36c8976e845f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAccruedInterestCurrentFiscalYear_1a8fdd23-35f0-40da-a2ab-7a8e38d0fbc9" xlink:href="ibcp-20230331.xsd#ibcp_FinancingReceivableAccruedInterestCurrentFiscalYear"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_3e87b1bf-d103-4644-97da-7841c26c92c6" xlink:to="loc_ibcp_FinancingReceivableAccruedInterestCurrentFiscalYear_1a8fdd23-35f0-40da-a2ab-7a8e38d0fbc9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAccruedInterestFiscalYearBeforeCurrentFiscalYear_fa060ad6-b70f-4d1d-9904-831adb74b393" xlink:href="ibcp-20230331.xsd#ibcp_FinancingReceivableAccruedInterestFiscalYearBeforeCurrentFiscalYear"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_3e87b1bf-d103-4644-97da-7841c26c92c6" xlink:to="loc_ibcp_FinancingReceivableAccruedInterestFiscalYearBeforeCurrentFiscalYear_fa060ad6-b70f-4d1d-9904-831adb74b393" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAccruedInterestTwoYearsBeforeCurrentFiscalYear_355f2a50-feab-4ce8-9a3f-50aab2da2652" xlink:href="ibcp-20230331.xsd#ibcp_FinancingReceivableAccruedInterestTwoYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_3e87b1bf-d103-4644-97da-7841c26c92c6" xlink:to="loc_ibcp_FinancingReceivableAccruedInterestTwoYearsBeforeCurrentFiscalYear_355f2a50-feab-4ce8-9a3f-50aab2da2652" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAccruedInterestThreeYearsBeforeCurrentFiscalYear_119da921-42ff-4f47-a085-656ff67e92ce" xlink:href="ibcp-20230331.xsd#ibcp_FinancingReceivableAccruedInterestThreeYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_3e87b1bf-d103-4644-97da-7841c26c92c6" xlink:to="loc_ibcp_FinancingReceivableAccruedInterestThreeYearsBeforeCurrentFiscalYear_119da921-42ff-4f47-a085-656ff67e92ce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAccruedInterestFourYearsBeforeCurrentFiscalYear_d3f71886-951e-4a89-ac94-8ac4195514e0" xlink:href="ibcp-20230331.xsd#ibcp_FinancingReceivableAccruedInterestFourYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_3e87b1bf-d103-4644-97da-7841c26c92c6" xlink:to="loc_ibcp_FinancingReceivableAccruedInterestFourYearsBeforeCurrentFiscalYear_d3f71886-951e-4a89-ac94-8ac4195514e0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAccruedInterestMoreThanFiveYearsBeforeCurrentFiscalYear_487c79f0-520f-4fe9-8043-ed2138de1c60" xlink:href="ibcp-20230331.xsd#ibcp_FinancingReceivableAccruedInterestMoreThanFiveYearsBeforeCurrentFiscalYear"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_3e87b1bf-d103-4644-97da-7841c26c92c6" xlink:to="loc_ibcp_FinancingReceivableAccruedInterestMoreThanFiveYearsBeforeCurrentFiscalYear_487c79f0-520f-4fe9-8043-ed2138de1c60" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAccruedInterestRevolving_83c829ae-3bcf-4e38-b8cd-18222c6ef34b" xlink:href="ibcp-20230331.xsd#ibcp_FinancingReceivableAccruedInterestRevolving"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_3e87b1bf-d103-4644-97da-7841c26c92c6" xlink:to="loc_ibcp_FinancingReceivableAccruedInterestRevolving_83c829ae-3bcf-4e38-b8cd-18222c6ef34b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss_e2fa128b-875b-4ca8-b020-723d684fcaaa" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_3e87b1bf-d103-4644-97da-7841c26c92c6" xlink:to="loc_us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss_e2fa128b-875b-4ca8-b020-723d684fcaaa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff_01a535aa-bd21-4961-9ddc-d0a3d0895336" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_3e87b1bf-d103-4644-97da-7841c26c92c6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff_01a535aa-bd21-4961-9ddc-d0a3d0895336" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_d2a45c7a-fd24-47ea-af6f-b0db73be867a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_3e87b1bf-d103-4644-97da-7841c26c92c6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_d2a45c7a-fd24-47ea-af6f-b0db73be867a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_abb9b6a7-66d5-4e13-851a-cc1628575511" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_3e87b1bf-d103-4644-97da-7841c26c92c6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_abb9b6a7-66d5-4e13-851a-cc1628575511" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_b63343e2-5c90-4c12-8566-6d62ed11a5d6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_3e87b1bf-d103-4644-97da-7841c26c92c6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_b63343e2-5c90-4c12-8566-6d62ed11a5d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_d8a5c36f-f7aa-4f0d-ad42-e762c1b1b844" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_3e87b1bf-d103-4644-97da-7841c26c92c6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_d8a5c36f-f7aa-4f0d-ad42-e762c1b1b844" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_aa6627e9-8d61-4c6e-bb6a-3b5ae7b125cc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_3e87b1bf-d103-4644-97da-7841c26c92c6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_aa6627e9-8d61-4c6e-bb6a-3b5ae7b125cc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff_51c275e6-7070-486f-afe0-48624a7e5a33" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff"/>
    <link:presentationArc order="23" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_3e87b1bf-d103-4644-97da-7841c26c92c6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff_51c275e6-7070-486f-afe0-48624a7e5a33" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_5e19e458-2daa-4b08-a69f-2d420dae466a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
    <link:presentationArc order="24" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_3e87b1bf-d103-4644-97da-7841c26c92c6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_5e19e458-2daa-4b08-a69f-2d420dae466a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/ShareholdersEquityandEarningsPerCommonShareEarningsPerShareReconciliationDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#ShareholdersEquityandEarningsPerCommonShareEarningsPerShareReconciliationDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/ShareholdersEquityandEarningsPerCommonShareEarningsPerShareReconciliationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityNoteAbstract_38980e5c-8498-4f4b-ac67-4e5eda4acd09" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockholdersEquityNoteAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareReconciliationAbstract_8f29ec75-1bd9-4fd5-8408-fa47bc88a5c7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EarningsPerShareReconciliationAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityNoteAbstract_38980e5c-8498-4f4b-ac67-4e5eda4acd09" xlink:to="loc_us-gaap_EarningsPerShareReconciliationAbstract_8f29ec75-1bd9-4fd5-8408-fa47bc88a5c7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_29ee082f-f090-4134-8cdb-87f9da580cd8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareReconciliationAbstract_8f29ec75-1bd9-4fd5-8408-fa47bc88a5c7" xlink:to="loc_us-gaap_NetIncomeLoss_29ee082f-f090-4134-8cdb-87f9da580cd8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_a3df5e22-e2eb-4b75-a9a6-60e0a5a20a7c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareReconciliationAbstract_8f29ec75-1bd9-4fd5-8408-fa47bc88a5c7" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_a3df5e22-e2eb-4b75-a9a6-60e0a5a20a7c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_StockUnitsForDeferredCompensationPlanForNonEmployeeDirectors_ac099835-3a1f-4e19-acb7-2e9d9531c5da" xlink:href="ibcp-20230331.xsd#ibcp_StockUnitsForDeferredCompensationPlanForNonEmployeeDirectors"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareReconciliationAbstract_8f29ec75-1bd9-4fd5-8408-fa47bc88a5c7" xlink:to="loc_ibcp_StockUnitsForDeferredCompensationPlanForNonEmployeeDirectors_ac099835-3a1f-4e19-acb7-2e9d9531c5da" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_7ed71e10-1087-4365-bfaa-9f66798eb9e5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareReconciliationAbstract_8f29ec75-1bd9-4fd5-8408-fa47bc88a5c7" xlink:to="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_7ed71e10-1087-4365-bfaa-9f66798eb9e5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_WeightedAverageNumberOfPerformanceSharesStock_8d2ea6e9-2d3d-47d8-b6ce-cb660cf36aea" xlink:href="ibcp-20230331.xsd#ibcp_WeightedAverageNumberOfPerformanceSharesStock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareReconciliationAbstract_8f29ec75-1bd9-4fd5-8408-fa47bc88a5c7" xlink:to="loc_ibcp_WeightedAverageNumberOfPerformanceSharesStock_8d2ea6e9-2d3d-47d8-b6ce-cb660cf36aea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_97c1caff-f51c-4f93-bf6f-6ccdf1c9e4a7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareReconciliationAbstract_8f29ec75-1bd9-4fd5-8408-fa47bc88a5c7" xlink:to="loc_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_97c1caff-f51c-4f93-bf6f-6ccdf1c9e4a7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract_8b0786f2-5999-4b48-a9b9-3f6a08e89ae2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EarningsPerShareReconciliationAbstract_8f29ec75-1bd9-4fd5-8408-fa47bc88a5c7" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract_8b0786f2-5999-4b48-a9b9-3f6a08e89ae2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasic_2e33ac58-fdcb-407a-8a02-b358063511a2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EarningsPerShareBasic"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract_8b0786f2-5999-4b48-a9b9-3f6a08e89ae2" xlink:to="loc_us-gaap_EarningsPerShareBasic_2e33ac58-fdcb-407a-8a02-b358063511a2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDiluted_f40e1f6b-d13b-4684-9b33-0532c782d1b7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EarningsPerShareDiluted"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract_8b0786f2-5999-4b48-a9b9-3f6a08e89ae2" xlink:to="loc_us-gaap_EarningsPerShareDiluted_f40e1f6b-d13b-4684-9b33-0532c782d1b7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/ShareholdersEquityandEarningsPerCommonShareNarrativeDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#ShareholdersEquityandEarningsPerCommonShareNarrativeDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/ShareholdersEquityandEarningsPerCommonShareNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityNoteAbstract_c27c3f0c-b1aa-4a58-b579-add520b1088e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockholdersEquityNoteAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfStockByClassTable_834caf60-71b2-4985-a044-95a5b229b15c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfStockByClassTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StockholdersEquityNoteAbstract_c27c3f0c-b1aa-4a58-b579-add520b1088e" xlink:to="loc_us-gaap_ScheduleOfStockByClassTable_834caf60-71b2-4985-a044-95a5b229b15c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_ba91c5ce-7380-4248-aef6-a62b868483a0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_834caf60-71b2-4985-a044-95a5b229b15c" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_ba91c5ce-7380-4248-aef6-a62b868483a0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_a7dd18a9-4d1b-400f-883d-1bbe08c92ff2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquityComponentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_ba91c5ce-7380-4248-aef6-a62b868483a0" xlink:to="loc_us-gaap_EquityComponentDomain_a7dd18a9-4d1b-400f-883d-1bbe08c92ff2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_dec20eb7-ab9a-4d56-905b-d1f3665201d9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_a7dd18a9-4d1b-400f-883d-1bbe08c92ff2" xlink:to="loc_us-gaap_CommonStockMember_dec20eb7-ab9a-4d56-905b-d1f3665201d9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_185a2716-9e30-4ab4-abf7-07c9e389c727" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_834caf60-71b2-4985-a044-95a5b229b15c" xlink:to="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_185a2716-9e30-4ab4-abf7-07c9e389c727" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesNameDomain_9faf5773-aa43-49d4-9609-62e17095c81a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AntidilutiveSecuritiesNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_185a2716-9e30-4ab4-abf7-07c9e389c727" xlink:to="loc_us-gaap_AntidilutiveSecuritiesNameDomain_9faf5773-aa43-49d4-9609-62e17095c81a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOptionMember_9c87bfdf-e1ff-4d5f-8dc1-0af3267e9848" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EmployeeStockOptionMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AntidilutiveSecuritiesNameDomain_9faf5773-aa43-49d4-9609-62e17095c81a" xlink:to="loc_us-gaap_EmployeeStockOptionMember_9c87bfdf-e1ff-4d5f-8dc1-0af3267e9848" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockLineItems_39c18a9a-49f3-4eb1-8a60-08d1153c4b0f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ClassOfStockLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_834caf60-71b2-4985-a044-95a5b229b15c" xlink:to="loc_us-gaap_ClassOfStockLineItems_39c18a9a-49f3-4eb1-8a60-08d1153c4b0f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchased_856ba2ea-2c51-4e84-8e5e-44d4e07876ae" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchased"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_39c18a9a-49f3-4eb1-8a60-08d1153c4b0f" xlink:to="loc_us-gaap_StockRepurchaseProgramNumberOfSharesAuthorizedToBeRepurchased_856ba2ea-2c51-4e84-8e5e-44d4e07876ae" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchasedDuringPeriodShares_61beb6c2-1754-46ac-9301-ef8563be6fd4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockRepurchasedDuringPeriodShares"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_39c18a9a-49f3-4eb1-8a60-08d1153c4b0f" xlink:to="loc_us-gaap_StockRepurchasedDuringPeriodShares_61beb6c2-1754-46ac-9301-ef8563be6fd4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchasedDuringPeriodValue_82ea8159-ce9b-4e8c-95a3-5b11d3bbe89c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockRepurchasedDuringPeriodValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_39c18a9a-49f3-4eb1-8a60-08d1153c4b0f" xlink:to="loc_us-gaap_StockRepurchasedDuringPeriodValue_82ea8159-ce9b-4e8c-95a3-5b11d3bbe89c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_bc42b021-a7ae-4e00-b8ed-4fc80c55ddd3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockLineItems_39c18a9a-49f3-4eb1-8a60-08d1153c4b0f" xlink:to="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_bc42b021-a7ae-4e00-b8ed-4fc80c55ddd3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/DerivativeFinancialInstrumentsTypeofHedgeandFairValueofDerivativeInstrumentsDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#DerivativeFinancialInstrumentsTypeofHedgeandFairValueofDerivativeInstrumentsDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/DerivativeFinancialInstrumentsTypeofHedgeandFairValueofDerivativeInstrumentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_5f89e342-fd5f-45b5-9015-d2086d0060d5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_470eb1ef-ac95-43e7-a8fc-23e891ceee14" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_5f89e342-fd5f-45b5-9015-d2086d0060d5" xlink:to="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_470eb1ef-ac95-43e7-a8fc-23e891ceee14" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingActivityByTypeAxis_1aff4500-39ad-4de0-9df8-01105443e19d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TradingActivityByTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_470eb1ef-ac95-43e7-a8fc-23e891ceee14" xlink:to="loc_us-gaap_TradingActivityByTypeAxis_1aff4500-39ad-4de0-9df8-01105443e19d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingActivityByTypeDomain_68c105e3-e0fe-4b21-a66f-9a7d484ae1c9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TradingActivityByTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TradingActivityByTypeAxis_1aff4500-39ad-4de0-9df8-01105443e19d" xlink:to="loc_us-gaap_TradingActivityByTypeDomain_68c105e3-e0fe-4b21-a66f-9a7d484ae1c9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FixedIncomeInterestRateMember_613410a9-059b-4ed2-9b22-1a5109a03908" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FixedIncomeInterestRateMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TradingActivityByTypeDomain_68c105e3-e0fe-4b21-a66f-9a7d484ae1c9" xlink:to="loc_us-gaap_FixedIncomeInterestRateMember_613410a9-059b-4ed2-9b22-1a5109a03908" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableIncomeInterestRateMember_b7ebe041-ff80-480f-a6a9-073f4da38b5d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_VariableIncomeInterestRateMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TradingActivityByTypeDomain_68c105e3-e0fe-4b21-a66f-9a7d484ae1c9" xlink:to="loc_us-gaap_VariableIncomeInterestRateMember_b7ebe041-ff80-480f-a6a9-073f4da38b5d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis_5e1e8df5-7e04-4ca2-9b8b-25dfbdec0069" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_470eb1ef-ac95-43e7-a8fc-23e891ceee14" xlink:to="loc_us-gaap_HedgingDesignationAxis_5e1e8df5-7e04-4ca2-9b8b-25dfbdec0069" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_c273b4dd-0e90-48b9-a13a-9ee8ecb5a600" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationAxis_5e1e8df5-7e04-4ca2-9b8b-25dfbdec0069" xlink:to="loc_us-gaap_HedgingDesignationDomain_c273b4dd-0e90-48b9-a13a-9ee8ecb5a600" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NondesignatedMember_2f6472f9-35f6-46fe-8b21-a4823384b460" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NondesignatedMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationDomain_c273b4dd-0e90-48b9-a13a-9ee8ecb5a600" xlink:to="loc_us-gaap_NondesignatedMember_2f6472f9-35f6-46fe-8b21-a4823384b460" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_662c43da-0763-45cd-896e-5d59047ebd29" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_470eb1ef-ac95-43e7-a8fc-23e891ceee14" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_662c43da-0763-45cd-896e-5d59047ebd29" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingRelationshipDomain_332b1fc1-7a98-4200-8678-c2cefac83821" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HedgingRelationshipDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_662c43da-0763-45cd-896e-5d59047ebd29" xlink:to="loc_us-gaap_HedgingRelationshipDomain_332b1fc1-7a98-4200-8678-c2cefac83821" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueHedgingMember_c2dbfdc8-c2b6-426a-b5d4-574bb25e70b2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueHedgingMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingRelationshipDomain_332b1fc1-7a98-4200-8678-c2cefac83821" xlink:to="loc_us-gaap_FairValueHedgingMember_c2dbfdc8-c2b6-426a-b5d4-574bb25e70b2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_6d866931-b759-474d-ae11-6610091841c9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_470eb1ef-ac95-43e7-a8fc-23e891ceee14" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_6d866931-b759-474d-ae11-6610091841c9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_b01c4faf-46c6-4c65-9c6e-a19a1c8066ca" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_6d866931-b759-474d-ae11-6610091841c9" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_b01c4faf-46c6-4c65-9c6e-a19a1c8066ca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwapMember_6bdf7184-7fa8-4de1-a509-7c7a80044a60" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestRateSwapMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_b01c4faf-46c6-4c65-9c6e-a19a1c8066ca" xlink:to="loc_us-gaap_InterestRateSwapMember_6bdf7184-7fa8-4de1-a509-7c7a80044a60" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InterestRateSwapNoncommercialMember_6820c024-9002-4edd-a0ac-848b1fdeabe5" xlink:href="ibcp-20230331.xsd#ibcp_InterestRateSwapNoncommercialMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_b01c4faf-46c6-4c65-9c6e-a19a1c8066ca" xlink:to="loc_ibcp_InterestRateSwapNoncommercialMember_6820c024-9002-4edd-a0ac-848b1fdeabe5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateCapMember_0837c743-2930-4685-b842-2e5c924518d4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestRateCapMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_b01c4faf-46c6-4c65-9c6e-a19a1c8066ca" xlink:to="loc_us-gaap_InterestRateCapMember_0837c743-2930-4685-b842-2e5c924518d4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateLockCommitmentsMember_251c872a-4bb3-45dc-bfb0-e5bb0d599b28" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestRateLockCommitmentsMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_b01c4faf-46c6-4c65-9c6e-a19a1c8066ca" xlink:to="loc_us-gaap_InterestRateLockCommitmentsMember_251c872a-4bb3-45dc-bfb0-e5bb0d599b28" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_MandatoryCommitmentsToSellMortgageLoansMember_8ced86a8-e7b0-44a4-b6db-5dfd35853ae0" xlink:href="ibcp-20230331.xsd#ibcp_MandatoryCommitmentsToSellMortgageLoansMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_b01c4faf-46c6-4c65-9c6e-a19a1c8066ca" xlink:to="loc_ibcp_MandatoryCommitmentsToSellMortgageLoansMember_8ced86a8-e7b0-44a4-b6db-5dfd35853ae0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_36741721-a1e1-490a-a14d-3e50f72f711a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_470eb1ef-ac95-43e7-a8fc-23e891ceee14" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_36741721-a1e1-490a-a14d-3e50f72f711a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_f5220b35-9047-452e-9d01-378c433d059e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_36741721-a1e1-490a-a14d-3e50f72f711a" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_f5220b35-9047-452e-9d01-378c433d059e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentPortfolioSegmentMember_82996d68-020b-4d11-a5d9-2e0105599d14" xlink:href="ibcp-20230331.xsd#ibcp_InstallmentPortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_f5220b35-9047-452e-9d01-378c433d059e" xlink:to="loc_ibcp_InstallmentPortfolioSegmentMember_82996d68-020b-4d11-a5d9-2e0105599d14" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember_d02a42ac-88c2-4c4c-895e-391e35568ffe" xlink:href="ibcp-20230331.xsd#ibcp_CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_f5220b35-9047-452e-9d01-378c433d059e" xlink:to="loc_ibcp_CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember_d02a42ac-88c2-4c4c-895e-391e35568ffe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativesFairValueLineItems_a7a0027e-121a-4914-a452-bfbef105c6f9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativesFairValueLineItems"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_470eb1ef-ac95-43e7-a8fc-23e891ceee14" xlink:to="loc_us-gaap_DerivativesFairValueLineItems_a7a0027e-121a-4914-a452-bfbef105c6f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentDetailAbstract_6f371807-8a29-49c1-a742-f75e6a548d19" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentDetailAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativesFairValueLineItems_a7a0027e-121a-4914-a452-bfbef105c6f9" xlink:to="loc_us-gaap_DerivativeInstrumentDetailAbstract_6f371807-8a29-49c1-a742-f75e6a548d19" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetNotionalAmount_7f177e09-83f6-433a-b51b-fdc9cf8e80da" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeAssetNotionalAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentDetailAbstract_6f371807-8a29-49c1-a742-f75e6a548d19" xlink:to="loc_us-gaap_DerivativeAssetNotionalAmount_7f177e09-83f6-433a-b51b-fdc9cf8e80da" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAverageRemainingMaturity1_9ddb9a12-1c0a-4dcd-b82a-8d4f20a680a0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeAverageRemainingMaturity1"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentDetailAbstract_6f371807-8a29-49c1-a742-f75e6a548d19" xlink:to="loc_us-gaap_DerivativeAverageRemainingMaturity1_9ddb9a12-1c0a-4dcd-b82a-8d4f20a680a0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeNet_caf0d497-3f69-4674-a26c-05f33f242ae7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeFairValueOfDerivativeNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentDetailAbstract_6f371807-8a29-49c1-a742-f75e6a548d19" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeNet_caf0d497-3f69-4674-a26c-05f33f242ae7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/DerivativeFinancialInstrumentsFairValuesofDerivativeInstrumentsDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#DerivativeFinancialInstrumentsFairValuesofDerivativeInstrumentsDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/DerivativeFinancialInstrumentsFairValuesofDerivativeInstrumentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_0a4d73b8-6cbf-4522-83ff-423fd5198053" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_c3d399a0-c2f9-4a22-b03f-7a36a78694ff" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_0a4d73b8-6cbf-4522-83ff-423fd5198053" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_c3d399a0-c2f9-4a22-b03f-7a36a78694ff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis_0b573be1-4d0a-458b-8247-43b3f58b6bee" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_c3d399a0-c2f9-4a22-b03f-7a36a78694ff" xlink:to="loc_us-gaap_HedgingDesignationAxis_0b573be1-4d0a-458b-8247-43b3f58b6bee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_c27f7b50-fa09-4bd9-bc22-0afc1a170cf4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationAxis_0b573be1-4d0a-458b-8247-43b3f58b6bee" xlink:to="loc_us-gaap_HedgingDesignationDomain_c27f7b50-fa09-4bd9-bc22-0afc1a170cf4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DesignatedAsHedgingInstrumentMember_06edbacc-996d-4c07-8ac9-83da7dcb50d3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DesignatedAsHedgingInstrumentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationDomain_c27f7b50-fa09-4bd9-bc22-0afc1a170cf4" xlink:to="loc_us-gaap_DesignatedAsHedgingInstrumentMember_06edbacc-996d-4c07-8ac9-83da7dcb50d3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NondesignatedMember_cbbf0208-ac04-42bd-909d-2950945f1222" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NondesignatedMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationDomain_c27f7b50-fa09-4bd9-bc22-0afc1a170cf4" xlink:to="loc_us-gaap_NondesignatedMember_cbbf0208-ac04-42bd-909d-2950945f1222" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingActivityByTypeAxis_394ca725-e203-425b-80b0-01f4305f593d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TradingActivityByTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_c3d399a0-c2f9-4a22-b03f-7a36a78694ff" xlink:to="loc_us-gaap_TradingActivityByTypeAxis_394ca725-e203-425b-80b0-01f4305f593d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingActivityByTypeDomain_09602e02-aac8-44de-9563-aa59627fec9f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TradingActivityByTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TradingActivityByTypeAxis_394ca725-e203-425b-80b0-01f4305f593d" xlink:to="loc_us-gaap_TradingActivityByTypeDomain_09602e02-aac8-44de-9563-aa59627fec9f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FixedIncomeInterestRateMember_c841d125-9a74-4d26-9eb7-681bfca29da5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FixedIncomeInterestRateMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TradingActivityByTypeDomain_09602e02-aac8-44de-9563-aa59627fec9f" xlink:to="loc_us-gaap_FixedIncomeInterestRateMember_c841d125-9a74-4d26-9eb7-681bfca29da5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableIncomeInterestRateMember_73d61013-bce6-4ed9-ac5e-eaf27dd6c7af" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_VariableIncomeInterestRateMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TradingActivityByTypeDomain_09602e02-aac8-44de-9563-aa59627fec9f" xlink:to="loc_us-gaap_VariableIncomeInterestRateMember_73d61013-bce6-4ed9-ac5e-eaf27dd6c7af" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_9aeb1ce8-fea2-4a76-97d7-0cdfa4bd7d55" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_c3d399a0-c2f9-4a22-b03f-7a36a78694ff" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_9aeb1ce8-fea2-4a76-97d7-0cdfa4bd7d55" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_f4631756-79c1-4f11-b76f-f297f4aef91f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_9aeb1ce8-fea2-4a76-97d7-0cdfa4bd7d55" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_f4631756-79c1-4f11-b76f-f297f4aef91f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwapMember_732db1f5-f4aa-404f-8249-2ff95d97816f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestRateSwapMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_f4631756-79c1-4f11-b76f-f297f4aef91f" xlink:to="loc_us-gaap_InterestRateSwapMember_732db1f5-f4aa-404f-8249-2ff95d97816f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateCapMember_4f787cd3-733e-4ffd-8ce7-f897f8327c7c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestRateCapMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_f4631756-79c1-4f11-b76f-f297f4aef91f" xlink:to="loc_us-gaap_InterestRateCapMember_4f787cd3-733e-4ffd-8ce7-f897f8327c7c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateLockCommitmentsMember_049c98e0-0f97-408c-9c7d-f2b5d6876e08" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestRateLockCommitmentsMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_f4631756-79c1-4f11-b76f-f297f4aef91f" xlink:to="loc_us-gaap_InterestRateLockCommitmentsMember_049c98e0-0f97-408c-9c7d-f2b5d6876e08" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_MandatoryCommitmentsToSellMortgageLoansMember_937137e9-0d0c-4626-89ef-198cdd368c25" xlink:href="ibcp-20230331.xsd#ibcp_MandatoryCommitmentsToSellMortgageLoansMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_f4631756-79c1-4f11-b76f-f297f4aef91f" xlink:to="loc_ibcp_MandatoryCommitmentsToSellMortgageLoansMember_937137e9-0d0c-4626-89ef-198cdd368c25" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BalanceSheetLocationAxis_2dfa31cb-876a-48bf-80e6-d28b8c508f50" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BalanceSheetLocationAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_c3d399a0-c2f9-4a22-b03f-7a36a78694ff" xlink:to="loc_us-gaap_BalanceSheetLocationAxis_2dfa31cb-876a-48bf-80e6-d28b8c508f50" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BalanceSheetLocationDomain_a7ca1ec5-89af-4ae0-9037-c34b38f9be2d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BalanceSheetLocationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BalanceSheetLocationAxis_2dfa31cb-876a-48bf-80e6-d28b8c508f50" xlink:to="loc_us-gaap_BalanceSheetLocationDomain_a7ca1ec5-89af-4ae0-9037-c34b38f9be2d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsMember_0dbb1e6c-a091-455a-86d6-01889fe54738" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherAssetsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BalanceSheetLocationDomain_a7ca1ec5-89af-4ae0-9037-c34b38f9be2d" xlink:to="loc_us-gaap_OtherAssetsMember_0dbb1e6c-a091-455a-86d6-01889fe54738" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilitiesMember_67ef0d1a-1d7d-42af-997e-ced7b4ecb0d2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherLiabilitiesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_BalanceSheetLocationDomain_a7ca1ec5-89af-4ae0-9037-c34b38f9be2d" xlink:to="loc_us-gaap_OtherLiabilitiesMember_67ef0d1a-1d7d-42af-997e-ced7b4ecb0d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_765e7599-5545-4e02-969d-0cd9e4ec08a2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_c3d399a0-c2f9-4a22-b03f-7a36a78694ff" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_765e7599-5545-4e02-969d-0cd9e4ec08a2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_1ad47f16-3b0e-405e-b44c-1fe4d2a7abfc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_765e7599-5545-4e02-969d-0cd9e4ec08a2" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_1ad47f16-3b0e-405e-b44c-1fe4d2a7abfc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember_5b1ec330-09c9-412d-9d6b-b6f07726d75b" xlink:href="ibcp-20230331.xsd#ibcp_CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_1ad47f16-3b0e-405e-b44c-1fe4d2a7abfc" xlink:to="loc_ibcp_CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember_5b1ec330-09c9-412d-9d6b-b6f07726d75b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_1c4a4f5d-7a8b-462b-8584-f88b7b5b162a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_c3d399a0-c2f9-4a22-b03f-7a36a78694ff" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_1c4a4f5d-7a8b-462b-8584-f88b7b5b162a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_6c5478a9-ce6c-4aed-ab61-20b6b4ebbc19" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_1c4a4f5d-7a8b-462b-8584-f88b7b5b162a" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_6c5478a9-ce6c-4aed-ab61-20b6b4ebbc19" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_18adccc7-b960-477f-b983-1e6a359f060e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_1c4a4f5d-7a8b-462b-8584-f88b7b5b162a" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_18adccc7-b960-477f-b983-1e6a359f060e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/DerivativeFinancialInstrumentsEffectontheCondensedConsolidatedStatementsofOperationsDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#DerivativeFinancialInstrumentsEffectontheCondensedConsolidatedStatementsofOperationsDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/DerivativeFinancialInstrumentsEffectontheCondensedConsolidatedStatementsofOperationsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_4661173c-a09f-4bc1-8ab4-df0629f8951c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_3e2663e6-c604-4908-98bf-6e328afd7445" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_4661173c-a09f-4bc1-8ab4-df0629f8951c" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_3e2663e6-c604-4908-98bf-6e328afd7445" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis_f95574bc-3f5b-4207-b4e8-1a1f26f7f335" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_3e2663e6-c604-4908-98bf-6e328afd7445" xlink:to="loc_us-gaap_HedgingDesignationAxis_f95574bc-3f5b-4207-b4e8-1a1f26f7f335" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_109a7836-bc71-4045-82af-0c8d05d6a2ca" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationAxis_f95574bc-3f5b-4207-b4e8-1a1f26f7f335" xlink:to="loc_us-gaap_HedgingDesignationDomain_109a7836-bc71-4045-82af-0c8d05d6a2ca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NondesignatedMember_e38ecebc-2cdc-4e7e-a474-3b994629675d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NondesignatedMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingDesignationDomain_109a7836-bc71-4045-82af-0c8d05d6a2ca" xlink:to="loc_us-gaap_NondesignatedMember_e38ecebc-2cdc-4e7e-a474-3b994629675d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_e8450857-3d7b-4ab4-ae30-d901854f6c8c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_3e2663e6-c604-4908-98bf-6e328afd7445" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_e8450857-3d7b-4ab4-ae30-d901854f6c8c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingRelationshipDomain_c90be57d-7b41-45fb-9215-2f58e058f70a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_HedgingRelationshipDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_e8450857-3d7b-4ab4-ae30-d901854f6c8c" xlink:to="loc_us-gaap_HedgingRelationshipDomain_c90be57d-7b41-45fb-9215-2f58e058f70a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueHedgingMember_bb3540ac-5f29-4224-a1cb-359cd1437656" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueHedgingMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_HedgingRelationshipDomain_c90be57d-7b41-45fb-9215-2f58e058f70a" xlink:to="loc_us-gaap_FairValueHedgingMember_bb3540ac-5f29-4224-a1cb-359cd1437656" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingActivityByTypeAxis_635389e0-d3a7-4fd8-8ada-99a12d159431" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TradingActivityByTypeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_3e2663e6-c604-4908-98bf-6e328afd7445" xlink:to="loc_us-gaap_TradingActivityByTypeAxis_635389e0-d3a7-4fd8-8ada-99a12d159431" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingActivityByTypeDomain_76808a92-c349-4257-887c-d0c947a63668" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TradingActivityByTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TradingActivityByTypeAxis_635389e0-d3a7-4fd8-8ada-99a12d159431" xlink:to="loc_us-gaap_TradingActivityByTypeDomain_76808a92-c349-4257-887c-d0c947a63668" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FixedIncomeInterestRateMember_0deb0da9-05c8-4fa5-ae4d-c5a9a214f565" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FixedIncomeInterestRateMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TradingActivityByTypeDomain_76808a92-c349-4257-887c-d0c947a63668" xlink:to="loc_us-gaap_FixedIncomeInterestRateMember_0deb0da9-05c8-4fa5-ae4d-c5a9a214f565" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableIncomeInterestRateMember_f1485268-0402-49ee-acc1-2c904c2a513a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_VariableIncomeInterestRateMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TradingActivityByTypeDomain_76808a92-c349-4257-887c-d0c947a63668" xlink:to="loc_us-gaap_VariableIncomeInterestRateMember_f1485268-0402-49ee-acc1-2c904c2a513a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_11a22edc-34eb-46d1-982e-260d10d5ab18" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_3e2663e6-c604-4908-98bf-6e328afd7445" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_11a22edc-34eb-46d1-982e-260d10d5ab18" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_e6ca61e9-4935-4477-ae72-7c4bf2a2976e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_11a22edc-34eb-46d1-982e-260d10d5ab18" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_e6ca61e9-4935-4477-ae72-7c4bf2a2976e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember_4ee8e870-dc60-4ab3-8b27-c10d9d3d0830" xlink:href="ibcp-20230331.xsd#ibcp_CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_e6ca61e9-4935-4477-ae72-7c4bf2a2976e" xlink:to="loc_ibcp_CommercialLoanPortfolioSegmentExcludingRealEstatePortfolioSegmentMember_4ee8e870-dc60-4ab3-8b27-c10d9d3d0830" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentPortfolioSegmentMember_1d8bc7ff-b48f-4b05-bd1d-debc190d247f" xlink:href="ibcp-20230331.xsd#ibcp_InstallmentPortfolioSegmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_e6ca61e9-4935-4477-ae72-7c4bf2a2976e" xlink:to="loc_ibcp_InstallmentPortfolioSegmentMember_1d8bc7ff-b48f-4b05-bd1d-debc190d247f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_b4c9fb3e-fe6d-4af7-a58c-a90253925133" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_e6ca61e9-4935-4477-ae72-7c4bf2a2976e" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_b4c9fb3e-fe6d-4af7-a58c-a90253925133" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_40832505-e25c-4d9b-b027-6e79f53fd29f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_3e2663e6-c604-4908-98bf-6e328afd7445" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_40832505-e25c-4d9b-b027-6e79f53fd29f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_027d4929-b3a2-4e45-91af-541ba7dbdf25" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_40832505-e25c-4d9b-b027-6e79f53fd29f" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_027d4929-b3a2-4e45-91af-541ba7dbdf25" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwapMember_b3c2a3f2-1b91-4afc-b491-aed76a8ca389" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestRateSwapMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_027d4929-b3a2-4e45-91af-541ba7dbdf25" xlink:to="loc_us-gaap_InterestRateSwapMember_b3c2a3f2-1b91-4afc-b491-aed76a8ca389" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InterestRateSwapNoncommercialMember_854f7cad-4dc2-451b-a675-cc05dfc9f273" xlink:href="ibcp-20230331.xsd#ibcp_InterestRateSwapNoncommercialMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_027d4929-b3a2-4e45-91af-541ba7dbdf25" xlink:to="loc_ibcp_InterestRateSwapNoncommercialMember_854f7cad-4dc2-451b-a675-cc05dfc9f273" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateCapMember_ba61e947-2465-41eb-b0b0-b42177ae12fb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestRateCapMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_027d4929-b3a2-4e45-91af-541ba7dbdf25" xlink:to="loc_us-gaap_InterestRateCapMember_ba61e947-2465-41eb-b0b0-b42177ae12fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateLockCommitmentsMember_a3678adf-6973-4b6e-ad8d-b7fe1c6fcf29" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestRateLockCommitmentsMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_027d4929-b3a2-4e45-91af-541ba7dbdf25" xlink:to="loc_us-gaap_InterestRateLockCommitmentsMember_a3678adf-6973-4b6e-ad8d-b7fe1c6fcf29" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_MandatoryCommitmentsToSellMortgageLoansMember_da591f8c-6e71-47cd-b96e-777b7eb2309b" xlink:href="ibcp-20230331.xsd#ibcp_MandatoryCommitmentsToSellMortgageLoansMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_027d4929-b3a2-4e45-91af-541ba7dbdf25" xlink:to="loc_ibcp_MandatoryCommitmentsToSellMortgageLoansMember_da591f8c-6e71-47cd-b96e-777b7eb2309b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwaptionMember_b5792bfe-5e2f-4703-b2ef-0b473c4a8dc4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestRateSwaptionMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_027d4929-b3a2-4e45-91af-541ba7dbdf25" xlink:to="loc_us-gaap_InterestRateSwaptionMember_b5792bfe-5e2f-4703-b2ef-0b473c4a8dc4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InterestRateCapNoncommercialMember_1949e0d4-b8c7-47f6-b139-9b35bbeb91d2" xlink:href="ibcp-20230331.xsd#ibcp_InterestRateCapNoncommercialMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_027d4929-b3a2-4e45-91af-541ba7dbdf25" xlink:to="loc_ibcp_InterestRateCapNoncommercialMember_1949e0d4-b8c7-47f6-b139-9b35bbeb91d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_213cbdcd-9b03-45d9-993a-60b84ce62ae4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_3e2663e6-c604-4908-98bf-6e328afd7445" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_213cbdcd-9b03-45d9-993a-60b84ce62ae4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_EffectOfDerivativeFinancialInstrumentsOnCondensedConsolidatedFinancialStatementsOfOperationsAbstract_215a4683-08da-4393-9300-e3772c1f6d22" xlink:href="ibcp-20230331.xsd#ibcp_EffectOfDerivativeFinancialInstrumentsOnCondensedConsolidatedFinancialStatementsOfOperationsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_213cbdcd-9b03-45d9-993a-60b84ce62ae4" xlink:to="loc_ibcp_EffectOfDerivativeFinancialInstrumentsOnCondensedConsolidatedFinancialStatementsOfOperationsAbstract_215a4683-08da-4393-9300-e3772c1f6d22" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax_c5e5ef27-4f15-45d9-b703-d619c24664c1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_EffectOfDerivativeFinancialInstrumentsOnCondensedConsolidatedFinancialStatementsOfOperationsAbstract_215a4683-08da-4393-9300-e3772c1f6d22" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax_c5e5ef27-4f15-45d9-b703-d619c24664c1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax_14989e39-0de1-406a-806d-1998411f4834" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_EffectOfDerivativeFinancialInstrumentsOnCondensedConsolidatedFinancialStatementsOfOperationsAbstract_215a4683-08da-4393-9300-e3772c1f6d22" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossReclassificationBeforeTax_14989e39-0de1-406a-806d-1998411f4834" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration_0046f603-22fc-4662-b512-ce340bfdfa60" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_EffectOfDerivativeFinancialInstrumentsOnCondensedConsolidatedFinancialStatementsOfOperationsAbstract_215a4683-08da-4393-9300-e3772c1f6d22" xlink:to="loc_us-gaap_DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration_0046f603-22fc-4662-b512-ce340bfdfa60" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeGainLossOnDerivativeNet_483e2b35-889d-457c-9c38-bd4c770693e0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeGainLossOnDerivativeNet"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_EffectOfDerivativeFinancialInstrumentsOnCondensedConsolidatedFinancialStatementsOfOperationsAbstract_215a4683-08da-4393-9300-e3772c1f6d22" xlink:to="loc_us-gaap_DerivativeGainLossOnDerivativeNet_483e2b35-889d-457c-9c38-bd4c770693e0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/GoodwillandOtherIntangiblesSummaryofIntangibleAssetsNetofAmortizationDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#GoodwillandOtherIntangiblesSummaryofIntangibleAssetsNetofAmortizationDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/GoodwillandOtherIntangiblesSummaryofIntangibleAssetsNetofAmortizationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_4809cf9e-4624-4677-a1ec-c6bf29b328fd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwillAbstract_c858086d-ee7e-4714-b157-0723b84918de" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwillAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_4809cf9e-4624-4677-a1ec-c6bf29b328fd" xlink:to="loc_us-gaap_IntangibleAssetsNetExcludingGoodwillAbstract_c858086d-ee7e-4714-b157-0723b84918de" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsGross_61d35379-01a9-492b-a736-d439c8e169a5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsGross"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IntangibleAssetsNetExcludingGoodwillAbstract_c858086d-ee7e-4714-b157-0723b84918de" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsGross_61d35379-01a9-492b-a736-d439c8e169a5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_86d5ffc8-f8fc-49bd-a0e2-0b6a9fdd3292" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IntangibleAssetsNetExcludingGoodwillAbstract_c858086d-ee7e-4714-b157-0723b84918de" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_86d5ffc8-f8fc-49bd-a0e2-0b6a9fdd3292" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillImpairedAccumulatedImpairmentLossAbstract_1c850f1b-6d3c-48c6-8347-53f1c3c65c31" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GoodwillImpairedAccumulatedImpairmentLossAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_4809cf9e-4624-4677-a1ec-c6bf29b328fd" xlink:to="loc_us-gaap_GoodwillImpairedAccumulatedImpairmentLossAbstract_1c850f1b-6d3c-48c6-8347-53f1c3c65c31" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_456fa641-2dc4-440d-9861-977a853d5718" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Goodwill"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillImpairedAccumulatedImpairmentLossAbstract_1c850f1b-6d3c-48c6-8347-53f1c3c65c31" xlink:to="loc_us-gaap_Goodwill_456fa641-2dc4-440d-9861-977a853d5718" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/GoodwillandOtherIntangiblesSummaryofEstimatedCoreDepositsIntangibleAmortizationDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#GoodwillandOtherIntangiblesSummaryofEstimatedCoreDepositsIntangibleAmortizationDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/GoodwillandOtherIntangiblesSummaryofEstimatedCoreDepositsIntangibleAmortizationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_1578fced-d76a-4081-8337-c2801c66f74f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsFutureAmortizationExpenseAbstract_af131af5-db4c-452c-80d8-030e845de08a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsFutureAmortizationExpenseAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract_1578fced-d76a-4081-8337-c2801c66f74f" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsFutureAmortizationExpenseAbstract_af131af5-db4c-452c-80d8-030e845de08a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear_ffe5564b-be9e-4708-ad45-950cddb58d1e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsFutureAmortizationExpenseAbstract_af131af5-db4c-452c-80d8-030e845de08a" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear_ffe5564b-be9e-4708-ad45-950cddb58d1e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_1ade1d17-f2de-4ad2-9013-f3e986cf7934" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsFutureAmortizationExpenseAbstract_af131af5-db4c-452c-80d8-030e845de08a" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_1ade1d17-f2de-4ad2-9013-f3e986cf7934" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_b95c4bef-9c13-44ba-b77e-1719dcd81e5e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsFutureAmortizationExpenseAbstract_af131af5-db4c-452c-80d8-030e845de08a" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_b95c4bef-9c13-44ba-b77e-1719dcd81e5e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_1fd9cad7-f01e-480e-815e-a30ca367d2e9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsFutureAmortizationExpenseAbstract_af131af5-db4c-452c-80d8-030e845de08a" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_1fd9cad7-f01e-480e-815e-a30ca367d2e9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_30e1c517-f5ec-47b8-8eea-364ea674ae59" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsFutureAmortizationExpenseAbstract_af131af5-db4c-452c-80d8-030e845de08a" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_30e1c517-f5ec-47b8-8eea-364ea674ae59" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFour_02b73028-a18f-4b98-83d3-50c0f7a711e4" xlink:href="ibcp-20230331.xsd#ibcp_FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFour"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsFutureAmortizationExpenseAbstract_af131af5-db4c-452c-80d8-030e845de08a" xlink:to="loc_ibcp_FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFour_02b73028-a18f-4b98-83d3-50c0f7a711e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_3e29810e-7cd9-42d0-860d-a816aa02d89c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsFutureAmortizationExpenseAbstract_af131af5-db4c-452c-80d8-030e845de08a" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsNet_3e29810e-7cd9-42d0-860d-a816aa02d89c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/ShareBasedCompensationNarrativeDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#ShareBasedCompensationNarrativeDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/ShareBasedCompensationNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_41404359-52df-4a5c-a0df-459a56b67713" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_8d36486a-6e52-4f4b-90f6-47a41f6a2def" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_41404359-52df-4a5c-a0df-459a56b67713" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_8d36486a-6e52-4f4b-90f6-47a41f6a2def" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_TitleOfIndividualAxis_86256d3a-cef9-4c37-8c53-957338e3efb2" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_TitleOfIndividualAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_8d36486a-6e52-4f4b-90f6-47a41f6a2def" xlink:to="loc_srt_TitleOfIndividualAxis_86256d3a-cef9-4c37-8c53-957338e3efb2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_TitleOfIndividualWithRelationshipToEntityDomain_af17ef89-176e-4c92-8ffe-3a499bda80b8" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_TitleOfIndividualWithRelationshipToEntityDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_TitleOfIndividualAxis_86256d3a-cef9-4c37-8c53-957338e3efb2" xlink:to="loc_srt_TitleOfIndividualWithRelationshipToEntityDomain_af17ef89-176e-4c92-8ffe-3a499bda80b8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_NonEmployeeDirectorsMember_f2ffb06d-318f-4c79-9413-9e9821cc28fa" xlink:href="ibcp-20230331.xsd#ibcp_NonEmployeeDirectorsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_TitleOfIndividualWithRelationshipToEntityDomain_af17ef89-176e-4c92-8ffe-3a499bda80b8" xlink:to="loc_ibcp_NonEmployeeDirectorsMember_f2ffb06d-318f-4c79-9413-9e9821cc28fa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_DirectorMember_c90fca02-a5ec-48b1-91f4-e19db1ac438e" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_DirectorMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_TitleOfIndividualWithRelationshipToEntityDomain_af17ef89-176e-4c92-8ffe-3a499bda80b8" xlink:to="loc_srt_DirectorMember_c90fca02-a5ec-48b1-91f4-e19db1ac438e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_6dd10eb8-26ae-4f12-ab63-5c3b933ff501" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_8d36486a-6e52-4f4b-90f6-47a41f6a2def" xlink:to="loc_us-gaap_AwardTypeAxis_6dd10eb8-26ae-4f12-ab63-5c3b933ff501" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_00465f26-d184-45f1-a841-926d0f6013b4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis_6dd10eb8-26ae-4f12-ab63-5c3b933ff501" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_00465f26-d184-45f1-a841-926d0f6013b4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockMember_f4150262-8577-4697-99e3-b65aa155730f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestrictedStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_00465f26-d184-45f1-a841-926d0f6013b4" xlink:to="loc_us-gaap_RestrictedStockMember_f4150262-8577-4697-99e3-b65aa155730f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PerformanceSharesMember_ca5ca4d9-c198-4faf-a14f-406e6a674970" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PerformanceSharesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_00465f26-d184-45f1-a841-926d0f6013b4" xlink:to="loc_us-gaap_PerformanceSharesMember_ca5ca4d9-c198-4faf-a14f-406e6a674970" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanNameAxis_18388021-27e6-4f74-8711-a9eb3ca21d7d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PlanNameAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_8d36486a-6e52-4f4b-90f6-47a41f6a2def" xlink:to="loc_us-gaap_PlanNameAxis_18388021-27e6-4f74-8711-a9eb3ca21d7d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanNameDomain_1ce08ddf-e0bd-4a1d-a06d-0a3fa41222f5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanNameAxis_18388021-27e6-4f74-8711-a9eb3ca21d7d" xlink:to="loc_us-gaap_PlanNameDomain_1ce08ddf-e0bd-4a1d-a06d-0a3fa41222f5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_LongTermIncentivePlanMember_79310483-c821-420b-93fe-86cae57e6778" xlink:href="ibcp-20230331.xsd#ibcp_LongTermIncentivePlanMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanNameDomain_1ce08ddf-e0bd-4a1d-a06d-0a3fa41222f5" xlink:to="loc_ibcp_LongTermIncentivePlanMember_79310483-c821-420b-93fe-86cae57e6778" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VestingAxis_73b238db-8cdc-4502-b89e-50c09982786e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_VestingAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_8d36486a-6e52-4f4b-90f6-47a41f6a2def" xlink:to="loc_us-gaap_VestingAxis_73b238db-8cdc-4502-b89e-50c09982786e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VestingDomain_95396839-1f9e-4253-ad4c-1714866b36d3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_VestingDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VestingAxis_73b238db-8cdc-4502-b89e-50c09982786e" xlink:to="loc_us-gaap_VestingDomain_95396839-1f9e-4253-ad4c-1714866b36d3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationAwardTrancheTwoMember_5e3d7e35-c7fe-44f1-9394-aee08d4b35c2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationAwardTrancheTwoMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_VestingDomain_95396839-1f9e-4253-ad4c-1714866b36d3" xlink:to="loc_us-gaap_ShareBasedCompensationAwardTrancheTwoMember_5e3d7e35-c7fe-44f1-9394-aee08d4b35c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_ba3752f0-6e1f-464c-a23d-c25120b557a2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_8d36486a-6e52-4f4b-90f6-47a41f6a2def" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_ba3752f0-6e1f-464c-a23d-c25120b557a2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfAdditionalSharesAuthorized_bfe2b83f-ddb5-420a-9bd1-564f5873cdcb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfAdditionalSharesAuthorized"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_ba3752f0-6e1f-464c-a23d-c25120b557a2" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfAdditionalSharesAuthorized_bfe2b83f-ddb5-420a-9bd1-564f5873cdcb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_8edb77fa-c611-4ae2-9234-d1ae21c6c8cc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_ba3752f0-6e1f-464c-a23d-c25120b557a2" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_8edb77fa-c611-4ae2-9234-d1ae21c6c8cc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_PerformanceSharesPerformanceFeaturePeriodOfComparison_c5ce08c5-9d8d-4f32-bb86-e216d6b7f544" xlink:href="ibcp-20230331.xsd#ibcp_PerformanceSharesPerformanceFeaturePeriodOfComparison"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_ba3752f0-6e1f-464c-a23d-c25120b557a2" xlink:to="loc_ibcp_PerformanceSharesPerformanceFeaturePeriodOfComparison_c5ce08c5-9d8d-4f32-bb86-e216d6b7f544" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_SharesIssuedOnDeferralBasisCreditedPercentageOfCurrentValue_250b633f-2352-4328-8a94-23bca1a321af" xlink:href="ibcp-20230331.xsd#ibcp_SharesIssuedOnDeferralBasisCreditedPercentageOfCurrentValue"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_ba3752f0-6e1f-464c-a23d-c25120b557a2" xlink:to="loc_ibcp_SharesIssuedOnDeferralBasisCreditedPercentageOfCurrentValue_250b633f-2352-4328-8a94-23bca1a321af" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_SharesIssuesInPlaceOfRetainerFees_98ce230a-75b7-4b75-8870-d4772174cbfc" xlink:href="ibcp-20230331.xsd#ibcp_SharesIssuesInPlaceOfRetainerFees"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_ba3752f0-6e1f-464c-a23d-c25120b557a2" xlink:to="loc_ibcp_SharesIssuesInPlaceOfRetainerFees_98ce230a-75b7-4b75-8870-d4772174cbfc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllocatedShareBasedCompensationExpense_d8e09b04-c785-4da5-88bf-92a47f503eff" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AllocatedShareBasedCompensationExpense"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_ba3752f0-6e1f-464c-a23d-c25120b557a2" xlink:to="loc_us-gaap_AllocatedShareBasedCompensationExpense_d8e09b04-c785-4da5-88bf-92a47f503eff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense_19a15dc2-5668-4ddb-a0a6-c5222dfb23fb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_ba3752f0-6e1f-464c-a23d-c25120b557a2" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense_19a15dc2-5668-4ddb-a0a6-c5222dfb23fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized_333e4dd5-4ed1-4d6d-84a4-a795de206f8d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_ba3752f0-6e1f-464c-a23d-c25120b557a2" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized_333e4dd5-4ed1-4d6d-84a4-a795de206f8d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_dfc6aeea-173b-43e6-92a4-a9d5c8211f83" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_ba3752f0-6e1f-464c-a23d-c25120b557a2" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_dfc6aeea-173b-43e6-92a4-a9d5c8211f83" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/ShareBasedCompensationSummaryofRestrictedStockandPerformanceStockUnitsDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#ShareBasedCompensationSummaryofRestrictedStockandPerformanceStockUnitsDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/ShareBasedCompensationSummaryofRestrictedStockandPerformanceStockUnitsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_47ce090c-ca5e-466c-80a1-6adacc34acb1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_6aa13dcf-468e-45c6-8a2c-38d0ae33ea1f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_47ce090c-ca5e-466c-80a1-6adacc34acb1" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_6aa13dcf-468e-45c6-8a2c-38d0ae33ea1f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_0975ed80-2bb1-4524-b30f-e51fcb1a73fe" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_6aa13dcf-468e-45c6-8a2c-38d0ae33ea1f" xlink:to="loc_us-gaap_AwardTypeAxis_0975ed80-2bb1-4524-b30f-e51fcb1a73fe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_722af31f-b1c9-4353-9c28-65f40a4be150" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis_0975ed80-2bb1-4524-b30f-e51fcb1a73fe" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_722af31f-b1c9-4353-9c28-65f40a4be150" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockMember_e65a53d2-5d6d-4bc8-a862-c66ce8eeb709" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RestrictedStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_722af31f-b1c9-4353-9c28-65f40a4be150" xlink:to="loc_us-gaap_RestrictedStockMember_e65a53d2-5d6d-4bc8-a862-c66ce8eeb709" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PerformanceSharesMember_9fd1cb11-44d9-49ed-bac8-70e79dffc818" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PerformanceSharesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_722af31f-b1c9-4353-9c28-65f40a4be150" xlink:to="loc_us-gaap_PerformanceSharesMember_9fd1cb11-44d9-49ed-bac8-70e79dffc818" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanNameAxis_f597b03c-d1aa-4f2c-8acd-344ce0a05cc9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PlanNameAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_6aa13dcf-468e-45c6-8a2c-38d0ae33ea1f" xlink:to="loc_us-gaap_PlanNameAxis_f597b03c-d1aa-4f2c-8acd-344ce0a05cc9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanNameDomain_cb7e7ca7-7271-4f32-9384-71401dab9c9b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanNameAxis_f597b03c-d1aa-4f2c-8acd-344ce0a05cc9" xlink:to="loc_us-gaap_PlanNameDomain_cb7e7ca7-7271-4f32-9384-71401dab9c9b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_LongTermIncentivePlanMember_80a6dca2-9d94-4b89-9f4c-cb8fd6aea9ed" xlink:href="ibcp-20230331.xsd#ibcp_LongTermIncentivePlanMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PlanNameDomain_cb7e7ca7-7271-4f32-9384-71401dab9c9b" xlink:to="loc_ibcp_LongTermIncentivePlanMember_80a6dca2-9d94-4b89-9f4c-cb8fd6aea9ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_28931a7a-5e4a-4f22-8869-2735ad0400d3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_6aa13dcf-468e-45c6-8a2c-38d0ae33ea1f" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_28931a7a-5e4a-4f22-8869-2735ad0400d3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_60c9422e-b66b-4c01-8adb-930ce4e87042" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_28931a7a-5e4a-4f22-8869-2735ad0400d3" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_60c9422e-b66b-4c01-8adb-930ce4e87042" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/ShareBasedCompensationOutstandingStockOptionGrantsandRelatedTransactionsDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#ShareBasedCompensationOutstandingStockOptionGrantsandRelatedTransactionsDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/ShareBasedCompensationOutstandingStockOptionGrantsandRelatedTransactionsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_37dbe7c6-bb2e-4855-a391-92aa901a14aa" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_5ca4b56d-e2d4-41c2-b388-e51cc1ab70b3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_37dbe7c6-bb2e-4855-a391-92aa901a14aa" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_5ca4b56d-e2d4-41c2-b388-e51cc1ab70b3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_cf1c9277-73cf-4886-9fc8-990cd1d04594" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_5ca4b56d-e2d4-41c2-b388-e51cc1ab70b3" xlink:to="loc_us-gaap_AwardTypeAxis_cf1c9277-73cf-4886-9fc8-990cd1d04594" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_620f6cf6-113f-44a4-a592-20dd8c2e310c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis_cf1c9277-73cf-4886-9fc8-990cd1d04594" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_620f6cf6-113f-44a4-a592-20dd8c2e310c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOptionMember_fdaa97a1-f81b-40d0-a2b9-4c4ecd46c60d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EmployeeStockOptionMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_620f6cf6-113f-44a4-a592-20dd8c2e310c" xlink:to="loc_us-gaap_EmployeeStockOptionMember_fdaa97a1-f81b-40d0-a2b9-4c4ecd46c60d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_a51b8dd4-1aa1-4f6f-893c-21fc3bd0434a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_5ca4b56d-e2d4-41c2-b388-e51cc1ab70b3" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_a51b8dd4-1aa1-4f6f-893c-21fc3bd0434a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationAbstract_8ec35015-8002-4319-9963-4c1de3a866ca" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_a51b8dd4-1aa1-4f6f-893c-21fc3bd0434a" xlink:to="loc_us-gaap_ShareBasedCompensationAbstract_8ec35015-8002-4319-9963-4c1de3a866ca" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_7f65e086-6831-47c1-a91c-a74abac14ed3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationAbstract_8ec35015-8002-4319-9963-4c1de3a866ca" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_7f65e086-6831-47c1-a91c-a74abac14ed3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_2ddb4fe3-11ad-46dd-8306-ab583602c811" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_7f65e086-6831-47c1-a91c-a74abac14ed3" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_2ddb4fe3-11ad-46dd-8306-ab583602c811" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross_f5ce5279-ff73-4a7b-a8d9-c330dcf9a889" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_7f65e086-6831-47c1-a91c-a74abac14ed3" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross_f5ce5279-ff73-4a7b-a8d9-c330dcf9a889" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised_92cf574f-8b42-4cf7-9b22-792eda60a8b0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_7f65e086-6831-47c1-a91c-a74abac14ed3" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised_92cf574f-8b42-4cf7-9b22-792eda60a8b0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_4f0ef02b-6e06-4af6-9fed-6e8dad8858a6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_7f65e086-6831-47c1-a91c-a74abac14ed3" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_4f0ef02b-6e06-4af6-9fed-6e8dad8858a6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpirationsInPeriod_fa7eee43-7402-4388-9884-971b3c524f10" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpirationsInPeriod"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_7f65e086-6831-47c1-a91c-a74abac14ed3" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpirationsInPeriod_fa7eee43-7402-4388-9884-971b3c524f10" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_4416cde1-ce01-42fe-82e4-2fcb45b0520a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_7f65e086-6831-47c1-a91c-a74abac14ed3" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_4416cde1-ce01-42fe-82e4-2fcb45b0520a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber_15e5dae4-da0b-4857-8458-5f37e81379e9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationAbstract_8ec35015-8002-4319-9963-4c1de3a866ca" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber_15e5dae4-da0b-4857-8458-5f37e81379e9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_05f9022a-fa3b-42bf-8e48-9d1fdd527f9e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationAbstract_8ec35015-8002-4319-9963-4c1de3a866ca" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_05f9022a-fa3b-42bf-8e48-9d1fdd527f9e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_ced688e8-249c-4a42-8d76-f0f117c3c9ad" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationAbstract_8ec35015-8002-4319-9963-4c1de3a866ca" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_ced688e8-249c-4a42-8d76-f0f117c3c9ad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_a6ab9b67-04eb-4e9d-8282-f485d8200150" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_ced688e8-249c-4a42-8d76-f0f117c3c9ad" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_a6ab9b67-04eb-4e9d-8282-f485d8200150" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_e33f5eaf-85e3-4b65-9197-e44ea80aaaa0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_ced688e8-249c-4a42-8d76-f0f117c3c9ad" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_e33f5eaf-85e3-4b65-9197-e44ea80aaaa0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_a7f11900-0bbf-4ae8-a539-5a2669759ee9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_ced688e8-249c-4a42-8d76-f0f117c3c9ad" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_a7f11900-0bbf-4ae8-a539-5a2669759ee9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageExercisePrice_b787ef55-0ce7-40ed-8d04-f3f49e67332d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageExercisePrice"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationAbstract_8ec35015-8002-4319-9963-4c1de3a866ca" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageExercisePrice_b787ef55-0ce7-40ed-8d04-f3f49e67332d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_8f482b5b-2936-4b18-86ab-755d8c2e749f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationAbstract_8ec35015-8002-4319-9963-4c1de3a866ca" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_8f482b5b-2936-4b18-86ab-755d8c2e749f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_592d27bd-8cba-4154-a062-2aa7edc90348" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationAbstract_8ec35015-8002-4319-9963-4c1de3a866ca" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_592d27bd-8cba-4154-a062-2aa7edc90348" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2_cf660d74-ef60-4f3f-a395-5a7bae824e8e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_592d27bd-8cba-4154-a062-2aa7edc90348" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2_cf660d74-ef60-4f3f-a395-5a7bae824e8e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm1_cb167b4f-a543-4dd0-a0b6-2738842c475e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm1"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_592d27bd-8cba-4154-a062-2aa7edc90348" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm1_cb167b4f-a543-4dd0-a0b6-2738842c475e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1_0d2e0894-1df0-413a-b93e-5a0b6a6a07dc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_592d27bd-8cba-4154-a062-2aa7edc90348" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1_0d2e0894-1df0-413a-b93e-5a0b6a6a07dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_AggregateIntrinsicValueAbstract_6cb18f3a-3587-4e5c-8dcc-5d07b3841dec" xlink:href="ibcp-20230331.xsd#ibcp_AggregateIntrinsicValueAbstract"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationAbstract_8ec35015-8002-4319-9963-4c1de3a866ca" xlink:to="loc_ibcp_AggregateIntrinsicValueAbstract_6cb18f3a-3587-4e5c-8dcc-5d07b3841dec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_d1578ac7-ca2c-4e51-ba28-e9245d12b565" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_AggregateIntrinsicValueAbstract_6cb18f3a-3587-4e5c-8dcc-5d07b3841dec" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_d1578ac7-ca2c-4e51-ba28-e9245d12b565" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAggregateIntrinsicValue_99d2033a-0bff-4c33-baea-57880564a6b7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAggregateIntrinsicValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_AggregateIntrinsicValueAbstract_6cb18f3a-3587-4e5c-8dcc-5d07b3841dec" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAggregateIntrinsicValue_99d2033a-0bff-4c33-baea-57880564a6b7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_60373deb-5b74-4d4b-9649-f5f10f475e20" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_AggregateIntrinsicValueAbstract_6cb18f3a-3587-4e5c-8dcc-5d07b3841dec" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_60373deb-5b74-4d4b-9649-f5f10f475e20" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/ShareBasedCompensationOutstandingNonvestedRestrictedStockandPSUsandRelatedTransactionsDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#ShareBasedCompensationOutstandingNonvestedRestrictedStockandPSUsandRelatedTransactionsDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/ShareBasedCompensationOutstandingNonvestedRestrictedStockandPSUsandRelatedTransactionsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_38fd7b2e-8f77-4651-9225-185d4acb0215" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_da9b2c12-312f-49c8-988a-8702d1c07cf9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_38fd7b2e-8f77-4651-9225-185d4acb0215" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_da9b2c12-312f-49c8-988a-8702d1c07cf9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_ac194244-063a-45c4-b2ff-581506f15b2d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_da9b2c12-312f-49c8-988a-8702d1c07cf9" xlink:to="loc_us-gaap_AwardTypeAxis_ac194244-063a-45c4-b2ff-581506f15b2d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_de1cd1c2-cd70-43e2-b31f-668717a6d878" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis_ac194244-063a-45c4-b2ff-581506f15b2d" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_de1cd1c2-cd70-43e2-b31f-668717a6d878" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_NonVestedRestrictedStockAndPerformanceStockUnitsMember_4cc7869f-2497-4cbd-b459-89ce78883549" xlink:href="ibcp-20230331.xsd#ibcp_NonVestedRestrictedStockAndPerformanceStockUnitsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_de1cd1c2-cd70-43e2-b31f-668717a6d878" xlink:to="loc_ibcp_NonVestedRestrictedStockAndPerformanceStockUnitsMember_4cc7869f-2497-4cbd-b459-89ce78883549" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_dbb90831-082d-45ef-985a-ad1e354d94b5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_da9b2c12-312f-49c8-988a-8702d1c07cf9" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_dbb90831-082d-45ef-985a-ad1e354d94b5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationAbstract_4c5243c5-5a92-4160-a9c6-a0d2690a971e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_dbb90831-082d-45ef-985a-ad1e354d94b5" xlink:to="loc_us-gaap_ShareBasedCompensationAbstract_4c5243c5-5a92-4160-a9c6-a0d2690a971e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_5bd658d9-6d6d-483a-a38f-79426fb336bc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationAbstract_4c5243c5-5a92-4160-a9c6-a0d2690a971e" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_5bd658d9-6d6d-483a-a38f-79426fb336bc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_4988b2f4-e113-4f90-ac74-21826f1d71f3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_5bd658d9-6d6d-483a-a38f-79426fb336bc" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_4988b2f4-e113-4f90-ac74-21826f1d71f3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_e57955f0-07c3-4e1f-990d-f5935911081c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_5bd658d9-6d6d-483a-a38f-79426fb336bc" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_e57955f0-07c3-4e1f-990d-f5935911081c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_64d52aa4-68a5-4587-a3db-13bd2de5d343" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_5bd658d9-6d6d-483a-a38f-79426fb336bc" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_64d52aa4-68a5-4587-a3db-13bd2de5d343" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_e91face6-ecff-4275-9ca2-a6dec7318144" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_5bd658d9-6d6d-483a-a38f-79426fb336bc" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_e91face6-ecff-4275-9ca2-a6dec7318144" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_11ec9152-f7d8-496b-9626-1381442f8877" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_5bd658d9-6d6d-483a-a38f-79426fb336bc" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_11ec9152-f7d8-496b-9626-1381442f8877" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_73743601-d58f-4e75-a55d-e09b02785b0d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationAbstract_4c5243c5-5a92-4160-a9c6-a0d2690a971e" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_73743601-d58f-4e75-a55d-e09b02785b0d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_dca9f70d-8cc7-432c-b69e-21e2afedd61d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_73743601-d58f-4e75-a55d-e09b02785b0d" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_dca9f70d-8cc7-432c-b69e-21e2afedd61d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_88d61359-74f0-4943-93df-4d0f5616516e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_73743601-d58f-4e75-a55d-e09b02785b0d" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_88d61359-74f0-4943-93df-4d0f5616516e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_3caad5c6-53b3-43a4-9446-4c97448765cc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_73743601-d58f-4e75-a55d-e09b02785b0d" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_3caad5c6-53b3-43a4-9446-4c97448765cc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_00c514ca-4338-4a85-bb18-ef20b14e1f9e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_73743601-d58f-4e75-a55d-e09b02785b0d" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_00c514ca-4338-4a85-bb18-ef20b14e1f9e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_85959e07-5f9f-4e3c-8e57-a0746f15f3a6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_73743601-d58f-4e75-a55d-e09b02785b0d" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_85959e07-5f9f-4e3c-8e57-a0746f15f3a6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/ShareBasedCompensationOptionsExercisedDuringthePeriodsDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#ShareBasedCompensationOptionsExercisedDuringthePeriodsDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/ShareBasedCompensationOptionsExercisedDuringthePeriodsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_e77080ee-86c6-41f1-9ab9-db3130c3524c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_9b5ae93a-5ce3-4ea1-81e0-ef2ac376a335" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract_e77080ee-86c6-41f1-9ab9-db3130c3524c" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_9b5ae93a-5ce3-4ea1-81e0-ef2ac376a335" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_d3224eb0-d9f4-4e05-9662-f2efea4348cb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AwardTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_9b5ae93a-5ce3-4ea1-81e0-ef2ac376a335" xlink:to="loc_us-gaap_AwardTypeAxis_d3224eb0-d9f4-4e05-9662-f2efea4348cb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_b3610330-d885-4be1-a2f9-f1e04801a02f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AwardTypeAxis_d3224eb0-d9f4-4e05-9662-f2efea4348cb" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_b3610330-d885-4be1-a2f9-f1e04801a02f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOptionMember_d0bfd7a9-e9e7-4ae0-814e-5a3d1f648016" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EmployeeStockOptionMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_b3610330-d885-4be1-a2f9-f1e04801a02f" xlink:to="loc_us-gaap_EmployeeStockOptionMember_d0bfd7a9-e9e7-4ae0-814e-5a3d1f648016" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_2257bc03-2ca3-4443-85dc-ce328754c8e0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_9b5ae93a-5ce3-4ea1-81e0-ef2ac376a335" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_2257bc03-2ca3-4443-85dc-ce328754c8e0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationAbstract_8ecd4c07-46bf-440e-8993-3d8eca8c4068" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_2257bc03-2ca3-4443-85dc-ce328754c8e0" xlink:to="loc_us-gaap_ShareBasedCompensationAbstract_8ecd4c07-46bf-440e-8993-3d8eca8c4068" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalGeneralDisclosuresAbstract_23c144c2-d0f3-46f8-9207-560a81f36d24" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalGeneralDisclosuresAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationAbstract_8ecd4c07-46bf-440e-8993-3d8eca8c4068" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalGeneralDisclosuresAbstract_23c144c2-d0f3-46f8-9207-560a81f36d24" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_b2307a90-1497-4fa8-90b2-6531de56b312" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalGeneralDisclosuresAbstract_23c144c2-d0f3-46f8-9207-560a81f36d24" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_b2307a90-1497-4fa8-90b2-6531de56b312" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromStockOptionsExercised_3809ca01-1dc5-4b12-8283-d0e5af0a8b66" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProceedsFromStockOptionsExercised"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalGeneralDisclosuresAbstract_23c144c2-d0f3-46f8-9207-560a81f36d24" xlink:to="loc_us-gaap_ProceedsFromStockOptionsExercised_3809ca01-1dc5-4b12-8283-d0e5af0a8b66" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromExerciseOfStockOptions_0898cda1-0912-40aa-ab75-5196554261f8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromExerciseOfStockOptions"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalGeneralDisclosuresAbstract_23c144c2-d0f3-46f8-9207-560a81f36d24" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromExerciseOfStockOptions_0898cda1-0912-40aa-ab75-5196554261f8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/IncomeTaxDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#IncomeTaxDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/IncomeTaxDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract_6d465b74-2c22-42ce-a0cc-3063538f38e2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_3258b162-caca-4a03-8bab-f4316bf03c7e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_6d465b74-2c22-42ce-a0cc-3063538f38e2" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_3258b162-caca-4a03-8bab-f4316bf03c7e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount_ebf123b5-fb23-4840-bbfc-1530333ae122" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_6d465b74-2c22-42ce-a0cc-3063538f38e2" xlink:to="loc_us-gaap_EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount_ebf123b5-fb23-4840-bbfc-1530333ae122" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefits_40debabc-5c59-4d91-80eb-ded2ba10d957" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_UnrecognizedTaxBenefits"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract_6d465b74-2c22-42ce-a0cc-3063538f38e2" xlink:to="loc_us-gaap_UnrecognizedTaxBenefits_40debabc-5c59-4d91-80eb-ded2ba10d957" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/RegulatoryMattersDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#RegulatoryMattersDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/RegulatoryMattersDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_RegulatoryMattersAbstract_0d8af0c6-bd79-4b91-80f9-628f645f1673" xlink:href="ibcp-20230331.xsd#ibcp_RegulatoryMattersAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_f3323392-981b-4f40-a731-e186ff33d05f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_RegulatoryMattersAbstract_0d8af0c6-bd79-4b91-80f9-628f645f1673" xlink:to="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_f3323392-981b-4f40-a731-e186ff33d05f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_7cd2373a-febb-460e-93a2-523f3a1a446b" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_f3323392-981b-4f40-a731-e186ff33d05f" xlink:to="loc_srt_ConsolidatedEntitiesAxis_7cd2373a-febb-460e-93a2-523f3a1a446b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_df44ab76-b82c-46a7-b4ec-4442d32530a2" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesAxis_7cd2373a-febb-460e-93a2-523f3a1a446b" xlink:to="loc_srt_ConsolidatedEntitiesDomain_df44ab76-b82c-46a7-b4ec-4442d32530a2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsolidatedEntitiesMember_27176cbb-044f-46a1-9a79-997567e74671" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ConsolidatedEntitiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_df44ab76-b82c-46a7-b4ec-4442d32530a2" xlink:to="loc_us-gaap_ConsolidatedEntitiesMember_27176cbb-044f-46a1-9a79-997567e74671" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_IndependentBankMember_a7621aef-1c0c-4564-aed8-b63024ba731b" xlink:href="ibcp-20230331.xsd#ibcp_IndependentBankMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ConsolidatedEntitiesDomain_df44ab76-b82c-46a7-b4ec-4442d32530a2" xlink:to="loc_ibcp_IndependentBankMember_a7621aef-1c0c-4564-aed8-b63024ba731b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_ff5ab82c-3afb-4042-bdf8-dd9ad56f4dda" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_f3323392-981b-4f40-a731-e186ff33d05f" xlink:to="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_ff5ab82c-3afb-4042-bdf8-dd9ad56f4dda" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalAbstract_7bc2ebff-12d6-4f1b-8af1-54ce2e91e918" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CapitalAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_ff5ab82c-3afb-4042-bdf8-dd9ad56f4dda" xlink:to="loc_us-gaap_CapitalAbstract_7bc2ebff-12d6-4f1b-8af1-54ce2e91e918" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Capital_f04f4f0c-4a02-4f8f-891e-14934177882e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Capital"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalAbstract_7bc2ebff-12d6-4f1b-8af1-54ce2e91e918" xlink:to="loc_us-gaap_Capital_f04f4f0c-4a02-4f8f-891e-14934177882e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalToRiskWeightedAssets_ef76892a-8827-4fe3-83a7-6dbd48f1c21e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CapitalToRiskWeightedAssets"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalAbstract_7bc2ebff-12d6-4f1b-8af1-54ce2e91e918" xlink:to="loc_us-gaap_CapitalToRiskWeightedAssets_ef76892a-8827-4fe3-83a7-6dbd48f1c21e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalRequiredForCapitalAdequacy_f5f46219-7e03-494a-8d4d-d56fcbfe0c62" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CapitalRequiredForCapitalAdequacy"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalAbstract_7bc2ebff-12d6-4f1b-8af1-54ce2e91e918" xlink:to="loc_us-gaap_CapitalRequiredForCapitalAdequacy_f5f46219-7e03-494a-8d4d-d56fcbfe0c62" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_3bb27510-61d2-4d1d-9295-2717bf9125e4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalAbstract_7bc2ebff-12d6-4f1b-8af1-54ce2e91e918" xlink:to="loc_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_3bb27510-61d2-4d1d-9295-2717bf9125e4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalRequiredToBeWellCapitalized_cbb00cfa-1171-48a0-8b8a-2fe822685041" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CapitalRequiredToBeWellCapitalized"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalAbstract_7bc2ebff-12d6-4f1b-8af1-54ce2e91e918" xlink:to="loc_us-gaap_CapitalRequiredToBeWellCapitalized_cbb00cfa-1171-48a0-8b8a-2fe822685041" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_fdb75344-3b36-43a5-9eb1-56e907a8f2d5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CapitalAbstract_7bc2ebff-12d6-4f1b-8af1-54ce2e91e918" xlink:to="loc_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_fdb75344-3b36-43a5-9eb1-56e907a8f2d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalAbstract_51ebc25a-f9e6-42ba-89ca-e737d92467cf" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneRiskBasedCapitalAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_ff5ab82c-3afb-4042-bdf8-dd9ad56f4dda" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalAbstract_51ebc25a-f9e6-42ba-89ca-e737d92467cf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapital_6d02cfe6-d7c9-4690-b735-bae6e79d263f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneRiskBasedCapital"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_51ebc25a-f9e6-42ba-89ca-e737d92467cf" xlink:to="loc_us-gaap_TierOneRiskBasedCapital_6d02cfe6-d7c9-4690-b735-bae6e79d263f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_58f94f1c-e623-429f-9d37-f7fd953b735d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_51ebc25a-f9e6-42ba-89ca-e737d92467cf" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_58f94f1c-e623-429f-9d37-f7fd953b735d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_f330a2e7-8e46-47d8-8ed1-4239e31ca7f0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_51ebc25a-f9e6-42ba-89ca-e737d92467cf" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_f330a2e7-8e46-47d8-8ed1-4239e31ca7f0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_42a64a9f-e88d-4001-88fc-3a66dac8bedd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_51ebc25a-f9e6-42ba-89ca-e737d92467cf" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_42a64a9f-e88d-4001-88fc-3a66dac8bedd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_74407f50-54a9-432b-b5e8-cd379ff2ef48" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_51ebc25a-f9e6-42ba-89ca-e737d92467cf" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_74407f50-54a9-432b-b5e8-cd379ff2ef48" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_75804517-3913-46e8-ad1c-9433a1410fad" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_51ebc25a-f9e6-42ba-89ca-e737d92467cf" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_75804517-3913-46e8-ad1c-9433a1410fad" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonEquityTierOneCapitalAbstract_c4299e1e-9f60-4604-bb56-9bbb9a3bb2d6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonEquityTierOneCapitalAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_ff5ab82c-3afb-4042-bdf8-dd9ad56f4dda" xlink:to="loc_us-gaap_CommonEquityTierOneCapitalAbstract_c4299e1e-9f60-4604-bb56-9bbb9a3bb2d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonEquityTierOneCapital_5f97d30b-5f4a-43f3-8fdd-155b2391540d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonEquityTierOneCapital"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalAbstract_c4299e1e-9f60-4604-bb56-9bbb9a3bb2d6" xlink:to="loc_us-gaap_CommonEquityTierOneCapital_5f97d30b-5f4a-43f3-8fdd-155b2391540d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonEquityTierOneCapitalRatio_19f7521d-0ea4-41c5-8a5a-16e38f842cc1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonEquityTierOneCapitalRatio"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalAbstract_c4299e1e-9f60-4604-bb56-9bbb9a3bb2d6" xlink:to="loc_us-gaap_CommonEquityTierOneCapitalRatio_19f7521d-0ea4-41c5-8a5a-16e38f842cc1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy_17eac858-b908-41aa-a0e6-2e26ff667394" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalAbstract_c4299e1e-9f60-4604-bb56-9bbb9a3bb2d6" xlink:to="loc_us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy_17eac858-b908-41aa-a0e6-2e26ff667394" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum_1dc409ec-989f-4671-8ede-de26c940a5f5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalAbstract_c4299e1e-9f60-4604-bb56-9bbb9a3bb2d6" xlink:to="loc_us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum_1dc409ec-989f-4671-8ede-de26c940a5f5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized_da37901e-d622-40a5-b6ff-0ddc3af10501" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalAbstract_c4299e1e-9f60-4604-bb56-9bbb9a3bb2d6" xlink:to="loc_us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized_da37901e-d622-40a5-b6ff-0ddc3af10501" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum_e3e7573d-4f1a-44af-a911-d04bdd67c2ed" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalAbstract_c4299e1e-9f60-4604-bb56-9bbb9a3bb2d6" xlink:to="loc_us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum_e3e7573d-4f1a-44af-a911-d04bdd67c2ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalAbstract_585cef1c-4f89-4962-88ed-159c74a977df" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneLeverageCapitalAbstract"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_ff5ab82c-3afb-4042-bdf8-dd9ad56f4dda" xlink:to="loc_us-gaap_TierOneLeverageCapitalAbstract_585cef1c-4f89-4962-88ed-159c74a977df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapital_ff10b5fd-0dc4-4ba5-bcfe-52adeef647ea" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneLeverageCapital"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_585cef1c-4f89-4962-88ed-159c74a977df" xlink:to="loc_us-gaap_TierOneLeverageCapital_ff10b5fd-0dc4-4ba5-bcfe-52adeef647ea" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalToAverageAssets_f2ade5e2-2853-4abf-b659-3128f58d5d63" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneLeverageCapitalToAverageAssets"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_585cef1c-4f89-4962-88ed-159c74a977df" xlink:to="loc_us-gaap_TierOneLeverageCapitalToAverageAssets_f2ade5e2-2853-4abf-b659-3128f58d5d63" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_915a6ca3-c203-4d2f-9fe1-ff548fd0c19f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_585cef1c-4f89-4962-88ed-159c74a977df" xlink:to="loc_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_915a6ca3-c203-4d2f-9fe1-ff548fd0c19f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_72fa30d0-e155-4d89-bcd6-8d2028ed397f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_585cef1c-4f89-4962-88ed-159c74a977df" xlink:to="loc_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_72fa30d0-e155-4d89-bcd6-8d2028ed397f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_56f9b387-68e0-4300-a675-6f80edd1b36b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_585cef1c-4f89-4962-88ed-159c74a977df" xlink:to="loc_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_56f9b387-68e0-4300-a675-6f80edd1b36b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_7828414e-b51d-4149-9f76-0218b237c7c9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_585cef1c-4f89-4962-88ed-159c74a977df" xlink:to="loc_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_7828414e-b51d-4149-9f76-0218b237c7c9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum_120e9c18-c507-4d13-b7ee-64faf5e825d2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_ff5ab82c-3afb-4042-bdf8-dd9ad56f4dda" xlink:to="loc_us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum_120e9c18-c507-4d13-b7ee-64faf5e825d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ComponentsOfRegulatoryCapitalAbstract_10037590-868a-479c-8baf-9f336aa70369" xlink:href="ibcp-20230331.xsd#ibcp_ComponentsOfRegulatoryCapitalAbstract"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_ff5ab82c-3afb-4042-bdf8-dd9ad56f4dda" xlink:to="loc_ibcp_ComponentsOfRegulatoryCapitalAbstract_10037590-868a-479c-8baf-9f336aa70369" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_23bb6794-15d5-490d-8ba4-36b2d60635f6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockholdersEquity"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_ComponentsOfRegulatoryCapitalAbstract_10037590-868a-479c-8baf-9f336aa70369" xlink:to="loc_us-gaap_StockholdersEquity_23bb6794-15d5-490d-8ba4-36b2d60635f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_AddDeductAbstract_912a1704-ba35-485c-a506-52acecdf68f9" xlink:href="ibcp-20230331.xsd#ibcp_AddDeductAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_ComponentsOfRegulatoryCapitalAbstract_10037590-868a-479c-8baf-9f336aa70369" xlink:to="loc_ibcp_AddDeductAbstract_912a1704-ba35-485c-a506-52acecdf68f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_efc23b05-0812-4332-b240-cd8d8f687122" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_AddDeductAbstract_912a1704-ba35-485c-a506-52acecdf68f9" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_efc23b05-0812-4332-b240-cd8d8f687122" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetIncludingGoodwill_699c6ccd-8173-4924-b3e8-b7194232a9d9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IntangibleAssetsNetIncludingGoodwill"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_AddDeductAbstract_912a1704-ba35-485c-a506-52acecdf68f9" xlink:to="loc_us-gaap_IntangibleAssetsNetIncludingGoodwill_699c6ccd-8173-4924-b3e8-b7194232a9d9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CurrentExpectedCreditLoss_e602e32c-0881-43a0-846a-3309440083e6" xlink:href="ibcp-20230331.xsd#ibcp_CurrentExpectedCreditLoss"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_AddDeductAbstract_912a1704-ba35-485c-a506-52acecdf68f9" xlink:to="loc_ibcp_CurrentExpectedCreditLoss_e602e32c-0881-43a0-846a-3309440083e6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonEquityTierOneCapital_39bd8c54-f09b-41e0-aa8b-02ade68d94dc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommonEquityTierOneCapital"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_ComponentsOfRegulatoryCapitalAbstract_10037590-868a-479c-8baf-9f336aa70369" xlink:to="loc_us-gaap_CommonEquityTierOneCapital_39bd8c54-f09b-41e0-aa8b-02ade68d94dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_QualifyingTrustPreferredSecurities_67fc91b0-f5d3-4f92-b259-696509bee794" xlink:href="ibcp-20230331.xsd#ibcp_QualifyingTrustPreferredSecurities"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_ComponentsOfRegulatoryCapitalAbstract_10037590-868a-479c-8baf-9f336aa70369" xlink:to="loc_ibcp_QualifyingTrustPreferredSecurities_67fc91b0-f5d3-4f92-b259-696509bee794" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapital_66edc0d5-8a54-4804-95c0-ad8f59ec8be1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TierOneLeverageCapital"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_ComponentsOfRegulatoryCapitalAbstract_10037590-868a-479c-8baf-9f336aa70369" xlink:to="loc_us-gaap_TierOneLeverageCapital_66edc0d5-8a54-4804-95c0-ad8f59ec8be1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubordinatedDebt_562366e2-1159-42c2-8933-b90de06d3a31" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubordinatedDebt"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_ComponentsOfRegulatoryCapitalAbstract_10037590-868a-479c-8baf-9f336aa70369" xlink:to="loc_us-gaap_SubordinatedDebt_562366e2-1159-42c2-8933-b90de06d3a31" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_AllowanceForLoanLossesAndUnfundedLendingCommitmentsLimitedAtSpecificRiskWeightedAssets_0b14445e-5a54-42be-972f-570157415a3c" xlink:href="ibcp-20230331.xsd#ibcp_AllowanceForLoanLossesAndUnfundedLendingCommitmentsLimitedAtSpecificRiskWeightedAssets"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_ComponentsOfRegulatoryCapitalAbstract_10037590-868a-479c-8baf-9f336aa70369" xlink:to="loc_ibcp_AllowanceForLoanLossesAndUnfundedLendingCommitmentsLimitedAtSpecificRiskWeightedAssets_0b14445e-5a54-42be-972f-570157415a3c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Capital_88436068-4e2d-449f-980e-fd57ebcae2c3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_Capital"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_ComponentsOfRegulatoryCapitalAbstract_10037590-868a-479c-8baf-9f336aa70369" xlink:to="loc_us-gaap_Capital_88436068-4e2d-449f-980e-fd57ebcae2c3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CurrentExpectedCreditLossTransitionMethodForRegulatoryPurpose_add68c65-130d-4bf6-9092-d2bdc286cde6" xlink:href="ibcp-20230331.xsd#ibcp_CurrentExpectedCreditLossTransitionMethodForRegulatoryPurpose"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_ff5ab82c-3afb-4042-bdf8-dd9ad56f4dda" xlink:to="loc_ibcp_CurrentExpectedCreditLossTransitionMethodForRegulatoryPurpose_add68c65-130d-4bf6-9092-d2bdc286cde6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/RegulatoryMattersNarrativeDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#RegulatoryMattersNarrativeDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/RegulatoryMattersNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_RegulatoryMattersAbstract_c977e085-f7ff-4339-8973-d0c275078f28" xlink:href="ibcp-20230331.xsd#ibcp_RegulatoryMattersAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_RetainedEarningsAccumulatedDeficitSubsidiary_8962a710-95c7-49c2-bd8f-2b420c8fd056" xlink:href="ibcp-20230331.xsd#ibcp_RetainedEarningsAccumulatedDeficitSubsidiary"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_RegulatoryMattersAbstract_c977e085-f7ff-4339-8973-d0c275078f28" xlink:to="loc_ibcp_RetainedEarningsAccumulatedDeficitSubsidiary_8962a710-95c7-49c2-bd8f-2b420c8fd056" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum_6148776f-f321-4cc6-9114-2b001c6a8311" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_RegulatoryMattersAbstract_c977e085-f7ff-4339-8973-d0c275078f28" xlink:to="loc_us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum_6148776f-f321-4cc6-9114-2b001c6a8311" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/FairValueDisclosuresSignificantAssumptionsDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#FairValueDisclosuresSignificantAssumptionsDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/FairValueDisclosuresSignificantAssumptionsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_0b678be6-c597-42a5-a87b-e2b001a38356" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_5910e81b-529f-4b8c-9896-39665c6a9330" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_0b678be6-c597-42a5-a87b-e2b001a38356" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_5910e81b-529f-4b8c-9896-39665c6a9330" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis_f5252a28-ccad-4ec2-97e9-5ae89fc251d8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByMeasurementFrequencyAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_5910e81b-529f-4b8c-9896-39665c6a9330" xlink:to="loc_us-gaap_FairValueByMeasurementFrequencyAxis_f5252a28-ccad-4ec2-97e9-5ae89fc251d8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_c13b9a52-77cf-4589-a81c-fe9947625c0f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_f5252a28-ccad-4ec2-97e9-5ae89fc251d8" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_c13b9a52-77cf-4589-a81c-fe9947625c0f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsRecurringMember_cd113cdf-14dc-40e4-858d-3543d0c28085" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsRecurringMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_c13b9a52-77cf-4589-a81c-fe9947625c0f" xlink:to="loc_us-gaap_FairValueMeasurementsRecurringMember_cd113cdf-14dc-40e4-858d-3543d0c28085" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsNonrecurringMember_b92bbceb-d1c5-48fb-83d8-1a95d6aa619d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsNonrecurringMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_c13b9a52-77cf-4589-a81c-fe9947625c0f" xlink:to="loc_us-gaap_FairValueMeasurementsNonrecurringMember_b92bbceb-d1c5-48fb-83d8-1a95d6aa619d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_0b7ae526-5c52-47a4-86e1-4aaea74ee25b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_5910e81b-529f-4b8c-9896-39665c6a9330" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_0b7ae526-5c52-47a4-86e1-4aaea74ee25b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_5aba5d4a-1d60-4cec-8e1a-f636de79e8ef" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_0b7ae526-5c52-47a4-86e1-4aaea74ee25b" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_5aba5d4a-1d60-4cec-8e1a-f636de79e8ef" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_d5c162f9-657d-40f6-b6ba-b71fd6852719" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_5aba5d4a-1d60-4cec-8e1a-f636de79e8ef" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_d5c162f9-657d-40f6-b6ba-b71fd6852719" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_4e5726b2-9a30-4914-87b5-90fff8ce19a1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_5aba5d4a-1d60-4cec-8e1a-f636de79e8ef" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_4e5726b2-9a30-4914-87b5-90fff8ce19a1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_a39c7208-2b3c-4667-a458-2f68d4d1836e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_5aba5d4a-1d60-4cec-8e1a-f636de79e8ef" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_a39c7208-2b3c-4667-a458-2f68d4d1836e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_f13a7cb3-a67c-4f53-813c-04311901fcc1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_5910e81b-529f-4b8c-9896-39665c6a9330" xlink:to="loc_us-gaap_FinancialInstrumentAxis_f13a7cb3-a67c-4f53-813c-04311901fcc1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_0e613f81-f286-470e-be73-bd4548f71d26" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_f13a7cb3-a67c-4f53-813c-04311901fcc1" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_0e613f81-f286-470e-be73-bd4548f71d26" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember_c3c28f62-79b7-4a83-93b1-bb9c7e42a3ac" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_0e613f81-f286-470e-be73-bd4548f71d26" xlink:to="loc_us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember_c3c28f62-79b7-4a83-93b1-bb9c7e42a3ac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_4ef4b962-c356-40e3-b30e-1c56d1b4b22e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_0e613f81-f286-470e-be73-bd4548f71d26" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_4ef4b962-c356-40e3-b30e-1c56d1b4b22e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_ea63f50d-5a45-407c-abac-bbc263f84d48" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommercialMortgageBackedSecuritiesMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_0e613f81-f286-470e-be73-bd4548f71d26" xlink:to="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_ea63f50d-5a45-407c-abac-bbc263f84d48" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_1eef9fd4-8477-4e42-bce0-76d457d64e9b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_0e613f81-f286-470e-be73-bd4548f71d26" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_1eef9fd4-8477-4e42-bce0-76d457d64e9b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_3f7cdc51-fd0d-4d7a-b7f1-5c6be23f524b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetBackedSecuritiesMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_0e613f81-f286-470e-be73-bd4548f71d26" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_3f7cdc51-fd0d-4d7a-b7f1-5c6be23f524b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_967040d1-f167-4eb5-af5d-551f55c333ce" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_0e613f81-f286-470e-be73-bd4548f71d26" xlink:to="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_967040d1-f167-4eb5-af5d-551f55c333ce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_ae445f5c-8bc9-4deb-830f-8fcf8118d073" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CorporateDebtSecuritiesMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_0e613f81-f286-470e-be73-bd4548f71d26" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_ae445f5c-8bc9-4deb-830f-8fcf8118d073" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember_e78bd11c-7cb6-4a72-a66b-af4460d314f9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_0e613f81-f286-470e-be73-bd4548f71d26" xlink:to="loc_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember_e78bd11c-7cb6-4a72-a66b-af4460d314f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MortgageLoansOnRealEstateLoanTypeAxis_eb5c526b-31c0-40a3-80b2-2cde8e011d09" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MortgageLoansOnRealEstateLoanTypeAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_5910e81b-529f-4b8c-9896-39665c6a9330" xlink:to="loc_srt_MortgageLoansOnRealEstateLoanTypeAxis_eb5c526b-31c0-40a3-80b2-2cde8e011d09" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MortgageLoansOnRealEstateLoanTypeDomain_8accf48b-88de-4fae-b2e7-be6e44afd6c4" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MortgageLoansOnRealEstateLoanTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_MortgageLoansOnRealEstateLoanTypeAxis_eb5c526b-31c0-40a3-80b2-2cde8e011d09" xlink:to="loc_srt_MortgageLoansOnRealEstateLoanTypeDomain_8accf48b-88de-4fae-b2e7-be6e44afd6c4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CollateralDependentLoansMember_19b7b318-b95a-444d-a405-777e12630fbe" xlink:href="ibcp-20230331.xsd#ibcp_CollateralDependentLoansMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_MortgageLoansOnRealEstateLoanTypeDomain_8accf48b-88de-4fae-b2e7-be6e44afd6c4" xlink:to="loc_ibcp_CollateralDependentLoansMember_19b7b318-b95a-444d-a405-777e12630fbe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_34b166f3-54c8-418b-90ad-dc911b968ed8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_5910e81b-529f-4b8c-9896-39665c6a9330" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_34b166f3-54c8-418b-90ad-dc911b968ed8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_e64bdcdc-e4ea-48f7-85f3-4e1b2aeeb53c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_34b166f3-54c8-418b-90ad-dc911b968ed8" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_e64bdcdc-e4ea-48f7-85f3-4e1b2aeeb53c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_b66f0116-c8b9-427c-b94a-65d3aec70042" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_e64bdcdc-e4ea-48f7-85f3-4e1b2aeeb53c" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_b66f0116-c8b9-427c-b94a-65d3aec70042" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_120c81b7-42a8-4934-9494-3ab3b32298df" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_e64bdcdc-e4ea-48f7-85f3-4e1b2aeeb53c" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_120c81b7-42a8-4934-9494-3ab3b32298df" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentPortfolioSegmentMember_c5684438-079c-4b66-8e91-fe2bf754d166" xlink:href="ibcp-20230331.xsd#ibcp_InstallmentPortfolioSegmentMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_e64bdcdc-e4ea-48f7-85f3-4e1b2aeeb53c" xlink:to="loc_ibcp_InstallmentPortfolioSegmentMember_c5684438-079c-4b66-8e91-fe2bf754d166" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_2fd68d0b-cd6b-42ec-aebf-d8fae51afb69" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_5910e81b-529f-4b8c-9896-39665c6a9330" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_2fd68d0b-cd6b-42ec-aebf-d8fae51afb69" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7ef7c41b-88c3-4546-8c84-bfa7fda269e9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_2fd68d0b-cd6b-42ec-aebf-d8fae51afb69" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7ef7c41b-88c3-4546-8c84-bfa7fda269e9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CommercialAndIndustrialMember_4042df7b-ea9f-4756-8a1c-9025f5075c94" xlink:href="ibcp-20230331.xsd#ibcp_CommercialAndIndustrialMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7ef7c41b-88c3-4546-8c84-bfa7fda269e9" xlink:to="loc_ibcp_CommercialAndIndustrialMember_4042df7b-ea9f-4756-8a1c-9025f5075c94" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CommercialRealEstateLoanMember_d71acb67-1704-4c4a-95b4-66c98e6a0fe5" xlink:href="ibcp-20230331.xsd#ibcp_CommercialRealEstateLoanMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7ef7c41b-88c3-4546-8c84-bfa7fda269e9" xlink:to="loc_ibcp_CommercialRealEstateLoanMember_d71acb67-1704-4c4a-95b4-66c98e6a0fe5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14OwnerOccupiedNonJumboMember_deeb489f-bf67-4b9e-aa0b-dc11255e02e6" xlink:href="ibcp-20230331.xsd#ibcp_Family14OwnerOccupiedNonJumboMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7ef7c41b-88c3-4546-8c84-bfa7fda269e9" xlink:to="loc_ibcp_Family14OwnerOccupiedNonJumboMember_deeb489f-bf67-4b9e-aa0b-dc11255e02e6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14NonOwnerOccupiedMember_cd9b76fd-4b59-4ff4-beaa-e45e8c0e9cf0" xlink:href="ibcp-20230331.xsd#ibcp_Family14NonOwnerOccupiedMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7ef7c41b-88c3-4546-8c84-bfa7fda269e9" xlink:to="loc_ibcp_Family14NonOwnerOccupiedMember_cd9b76fd-4b59-4ff4-beaa-e45e8c0e9cf0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14SecondLienMember_f49fe721-e77f-4fd6-a556-3ffcdeab1b01" xlink:href="ibcp-20230331.xsd#ibcp_Family14SecondLienMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7ef7c41b-88c3-4546-8c84-bfa7fda269e9" xlink:to="loc_ibcp_Family14SecondLienMember_f49fe721-e77f-4fd6-a556-3ffcdeab1b01" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ResortLendingMember_e936755e-da31-4161-8e0c-d50baecc28a0" xlink:href="ibcp-20230331.xsd#ibcp_ResortLendingMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7ef7c41b-88c3-4546-8c84-bfa7fda269e9" xlink:to="loc_ibcp_ResortLendingMember_e936755e-da31-4161-8e0c-d50baecc28a0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_BoatLendingMember_601c6dee-1390-4b0f-a0a7-79bd409e325f" xlink:href="ibcp-20230331.xsd#ibcp_BoatLendingMember"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7ef7c41b-88c3-4546-8c84-bfa7fda269e9" xlink:to="loc_ibcp_BoatLendingMember_601c6dee-1390-4b0f-a0a7-79bd409e325f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_RecreationalVehicleLendingMember_42e7ce4a-d112-4afd-9d8e-2646d34f3b26" xlink:href="ibcp-20230331.xsd#ibcp_RecreationalVehicleLendingMember"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7ef7c41b-88c3-4546-8c84-bfa7fda269e9" xlink:to="loc_ibcp_RecreationalVehicleLendingMember_42e7ce4a-d112-4afd-9d8e-2646d34f3b26" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentOtherMember_3cab5a2a-f25e-4905-becc-cf39654980eb" xlink:href="ibcp-20230331.xsd#ibcp_InstallmentOtherMember"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_7ef7c41b-88c3-4546-8c84-bfa7fda269e9" xlink:to="loc_ibcp_InstallmentOtherMember_3cab5a2a-f25e-4905-becc-cf39654980eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_89324e19-03c4-4d63-8391-36297e3e7a78" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_5910e81b-529f-4b8c-9896-39665c6a9330" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_89324e19-03c4-4d63-8391-36297e3e7a78" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract_6bde6687-0828-447d-903d-0b2b0f73e4f9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_89324e19-03c4-4d63-8391-36297e3e7a78" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract_6bde6687-0828-447d-903d-0b2b0f73e4f9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosureAbstract_7d247dac-d1e6-4414-8345-54ad324462a9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetsFairValueDisclosureAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract_6bde6687-0828-447d-903d-0b2b0f73e4f9" xlink:to="loc_us-gaap_AssetsFairValueDisclosureAbstract_7d247dac-d1e6-4414-8345-54ad324462a9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_c75a9afe-77fd-403b-8e4a-71117f97d681" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_7d247dac-d1e6-4414-8345-54ad324462a9" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_c75a9afe-77fd-403b-8e4a-71117f97d681" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_ea0f2877-c1d0-48ad-ab23-dd7af0a35563" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_7d247dac-d1e6-4414-8345-54ad324462a9" xlink:to="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_ea0f2877-c1d0-48ad-ab23-dd7af0a35563" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CapitalizedMortgageLoanServicingRightsFairValueDisclosure_64bb4150-8382-4d94-9d5f-e3fb6b0f003a" xlink:href="ibcp-20230331.xsd#ibcp_CapitalizedMortgageLoanServicingRightsFairValueDisclosure"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_7d247dac-d1e6-4414-8345-54ad324462a9" xlink:to="loc_ibcp_CapitalizedMortgageLoanServicingRightsFairValueDisclosure_64bb4150-8382-4d94-9d5f-e3fb6b0f003a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_5cfdd07f-3a73-4605-a486-f5a6c700decf" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeAssets"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_7d247dac-d1e6-4414-8345-54ad324462a9" xlink:to="loc_us-gaap_DerivativeAssets_5cfdd07f-3a73-4605-a486-f5a6c700decf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_c671e1a3-cc92-49f5-884d-e8ac84967238" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract_6bde6687-0828-447d-903d-0b2b0f73e4f9" xlink:to="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_c671e1a3-cc92-49f5-884d-e8ac84967238" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_89192d7e-b9b8-4505-b9be-0c674896ab48" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeLiabilities"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_c671e1a3-cc92-49f5-884d-e8ac84967238" xlink:to="loc_us-gaap_DerivativeLiabilities_89192d7e-b9b8-4505-b9be-0c674896ab48" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsAbstract_a660c5be-b01d-4e88-b1bb-8f740d3863f0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetsAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract_6bde6687-0828-447d-903d-0b2b0f73e4f9" xlink:to="loc_us-gaap_AssetsAbstract_a660c5be-b01d-4e88-b1bb-8f740d3863f0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableHeldForSaleAmount_c60af9d3-ad51-42a1-b55b-3cc652336198" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoansReceivableHeldForSaleAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_a660c5be-b01d-4e88-b1bb-8f740d3863f0" xlink:to="loc_us-gaap_LoansReceivableHeldForSaleAmount_c60af9d3-ad51-42a1-b55b-3cc652336198" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure_292f7e32-7d34-4284-8db4-3d5208e0599d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAbstract_a660c5be-b01d-4e88-b1bb-8f740d3863f0" xlink:to="loc_us-gaap_LoansReceivableFairValueDisclosure_292f7e32-7d34-4284-8db4-3d5208e0599d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/FairValueDisclosuresChangesinFairValueforFinancialAssetsDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#FairValueDisclosuresChangesinFairValueforFinancialAssetsDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/FairValueDisclosuresChangesinFairValueforFinancialAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_8c401160-a0f7-4b20-bc1e-16ffb1f6fdfa" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTable_f65266a4-351f-4335-8eff-a2f60f8e1116" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueOptionQuantitativeDisclosuresTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_8c401160-a0f7-4b20-bc1e-16ffb1f6fdfa" xlink:to="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTable_f65266a4-351f-4335-8eff-a2f60f8e1116" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_43052a98-4f6f-4123-b16b-b1ec230b8820" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTable_f65266a4-351f-4335-8eff-a2f60f8e1116" xlink:to="loc_us-gaap_FinancialInstrumentAxis_43052a98-4f6f-4123-b16b-b1ec230b8820" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_e9fd0b85-0216-4105-a235-862a8a86f04b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_43052a98-4f6f-4123-b16b-b1ec230b8820" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_e9fd0b85-0216-4105-a235-862a8a86f04b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14Member_f8e8d858-a29e-41ea-af4e-83f6c7f5e5eb" xlink:href="ibcp-20230331.xsd#ibcp_Family14Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_e9fd0b85-0216-4105-a235-862a8a86f04b" xlink:to="loc_ibcp_Family14Member_f8e8d858-a29e-41ea-af4e-83f6c7f5e5eb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CapitalizedMortgageLoanServicingRightsMember_a838f757-452d-4d05-9f92-b2e0a57aabe9" xlink:href="ibcp-20230331.xsd#ibcp_CapitalizedMortgageLoanServicingRightsMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_e9fd0b85-0216-4105-a235-862a8a86f04b" xlink:to="loc_ibcp_CapitalizedMortgageLoanServicingRightsMember_a838f757-452d-4d05-9f92-b2e0a57aabe9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_e06651dd-15ea-4b08-80fd-4a7861fc63e3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueOptionQuantitativeDisclosuresLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTable_f65266a4-351f-4335-8eff-a2f60f8e1116" xlink:to="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_e06651dd-15ea-4b08-80fd-4a7861fc63e3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisGainLossIncludedInEarningsAbstract_fdb36f7c-3d7a-4212-a4c3-465be8fb6fcf" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisGainLossIncludedInEarningsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_e06651dd-15ea-4b08-80fd-4a7861fc63e3" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisGainLossIncludedInEarningsAbstract_fdb36f7c-3d7a-4212-a4c3-465be8fb6fcf" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_LoansHeldForSaleUnrealizedGainLoss_c8ba144d-3725-4d1a-b28f-8616646cc3fe" xlink:href="ibcp-20230331.xsd#ibcp_LoansHeldForSaleUnrealizedGainLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisGainLossIncludedInEarningsAbstract_fdb36f7c-3d7a-4212-a4c3-465be8fb6fcf" xlink:to="loc_ibcp_LoansHeldForSaleUnrealizedGainLoss_c8ba144d-3725-4d1a-b28f-8616646cc3fe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ServicingAssetUnrealizedGainLoss_ce0a30ad-efa7-4f43-923e-3788da9651dc" xlink:href="ibcp-20230331.xsd#ibcp_ServicingAssetUnrealizedGainLoss"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisGainLossIncludedInEarningsAbstract_fdb36f7c-3d7a-4212-a4c3-465be8fb6fcf" xlink:to="loc_ibcp_ServicingAssetUnrealizedGainLoss_ce0a30ad-efa7-4f43-923e-3788da9651dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetImpairmentChargesAbstract_482414af-03ad-4e4c-b619-4a0ae56e18c0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetImpairmentChargesAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_e06651dd-15ea-4b08-80fd-4a7861fc63e3" xlink:to="loc_us-gaap_AssetImpairmentChargesAbstract_482414af-03ad-4e4c-b619-4a0ae56e18c0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CollateralDependentLoansCarryingAmount_f8a242bf-8f21-492b-843d-b232212cc144" xlink:href="ibcp-20230331.xsd#ibcp_CollateralDependentLoansCarryingAmount"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetImpairmentChargesAbstract_482414af-03ad-4e4c-b619-4a0ae56e18c0" xlink:to="loc_ibcp_CollateralDependentLoansCarryingAmount_f8a242bf-8f21-492b-843d-b232212cc144" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CollateralDependentLoansValuationAllowance_ba33afae-52d0-4a64-9ec2-32fbd291dc54" xlink:href="ibcp-20230331.xsd#ibcp_CollateralDependentLoansValuationAllowance"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetImpairmentChargesAbstract_482414af-03ad-4e4c-b619-4a0ae56e18c0" xlink:to="loc_ibcp_CollateralDependentLoansValuationAllowance_ba33afae-52d0-4a64-9ec2-32fbd291dc54" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProvisionForDoubtfulAccounts_b2397d8c-8921-4e96-881e-30f832de9e5e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ProvisionForDoubtfulAccounts"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetImpairmentChargesAbstract_482414af-03ad-4e4c-b619-4a0ae56e18c0" xlink:to="loc_us-gaap_ProvisionForDoubtfulAccounts_b2397d8c-8921-4e96-881e-30f832de9e5e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/FairValueDisclosuresReconciliationforallAssetsMeasuredatFairValueonaRecurringBasisUsingSignificantUnobservableInputsLevel3Details" xlink:type="simple" xlink:href="ibcp-20230331.xsd#FairValueDisclosuresReconciliationforallAssetsMeasuredatFairValueonaRecurringBasisUsingSignificantUnobservableInputsLevel3Details"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/FairValueDisclosuresReconciliationforallAssetsMeasuredatFairValueonaRecurringBasisUsingSignificantUnobservableInputsLevel3Details" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_04f6fe00-6374-473e-8012-06480f8a2b71" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable_a4b1a2be-fba0-4dd3-a310-cfbd5cd074ed" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_04f6fe00-6374-473e-8012-06480f8a2b71" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable_a4b1a2be-fba0-4dd3-a310-cfbd5cd074ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByLiabilityClassAxis_cd87d8b8-bcf3-4edc-9f17-08e274917d1c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByLiabilityClassAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable_a4b1a2be-fba0-4dd3-a310-cfbd5cd074ed" xlink:to="loc_us-gaap_FairValueByLiabilityClassAxis_cd87d8b8-bcf3-4edc-9f17-08e274917d1c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_ad625b0e-7220-41e5-bfc8-4d60597a4258" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByLiabilityClassAxis_cd87d8b8-bcf3-4edc-9f17-08e274917d1c" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_ad625b0e-7220-41e5-bfc8-4d60597a4258" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CapitalizedMortgageLoanServicingRightsMember_1a1ba1e1-8528-4513-af80-a4a4c4029086" xlink:href="ibcp-20230331.xsd#ibcp_CapitalizedMortgageLoanServicingRightsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_ad625b0e-7220-41e5-bfc8-4d60597a4258" xlink:to="loc_ibcp_CapitalizedMortgageLoanServicingRightsMember_1a1ba1e1-8528-4513-af80-a4a4c4029086" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_efe4a816-2398-4f3d-98be-a937016298f6" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable_a4b1a2be-fba0-4dd3-a310-cfbd5cd074ed" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_efe4a816-2398-4f3d-98be-a937016298f6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_ed01fdf8-1ed3-490d-866d-349ae23fad73" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_efe4a816-2398-4f3d-98be-a937016298f6" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_ed01fdf8-1ed3-490d-866d-349ae23fad73" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_7216c95e-502b-4f40-82f6-dd35e6b26811" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_ed01fdf8-1ed3-490d-866d-349ae23fad73" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_7216c95e-502b-4f40-82f6-dd35e6b26811" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FairValueAssetsMeasuredOnRecurringBasisGainLossRealizedAndUnrealizedAbstract_265904ae-60ee-4411-a035-9ebc0e5a8c12" xlink:href="ibcp-20230331.xsd#ibcp_FairValueAssetsMeasuredOnRecurringBasisGainLossRealizedAndUnrealizedAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_ed01fdf8-1ed3-490d-866d-349ae23fad73" xlink:to="loc_ibcp_FairValueAssetsMeasuredOnRecurringBasisGainLossRealizedAndUnrealizedAbstract_265904ae-60ee-4411-a035-9ebc0e5a8c12" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_547adc77-476f-4d1e-8d73-4b06c062b86a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_FairValueAssetsMeasuredOnRecurringBasisGainLossRealizedAndUnrealizedAbstract_265904ae-60ee-4411-a035-9ebc0e5a8c12" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_547adc77-476f-4d1e-8d73-4b06c062b86a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss_0819bdb3-88a3-4ef4-aa4a-b4cc3fdb3de4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_FairValueAssetsMeasuredOnRecurringBasisGainLossRealizedAndUnrealizedAbstract_265904ae-60ee-4411-a035-9ebc0e5a8c12" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss_0819bdb3-88a3-4ef4-aa4a-b4cc3fdb3de4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchasesSalesIssuancesSettlements_2f12ebd1-8a8c-49a1-9356-b244d1a4ee0a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchasesSalesIssuancesSettlements"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_FairValueAssetsMeasuredOnRecurringBasisGainLossRealizedAndUnrealizedAbstract_265904ae-60ee-4411-a035-9ebc0e5a8c12" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchasesSalesIssuancesSettlements_2f12ebd1-8a8c-49a1-9356-b244d1a4ee0a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet_ef46de26-5113-4a5f-8291-25074fdd7875" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_FairValueAssetsMeasuredOnRecurringBasisGainLossRealizedAndUnrealizedAbstract_265904ae-60ee-4411-a035-9ebc0e5a8c12" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet_ef46de26-5113-4a5f-8291-25074fdd7875" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_fabcdbb6-2219-45df-8674-6e996074118f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_ed01fdf8-1ed3-490d-866d-349ae23fad73" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_fabcdbb6-2219-45df-8674-6e996074118f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss_dd824f81-87ee-4919-ad75-fae9c83c22fb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_efe4a816-2398-4f3d-98be-a937016298f6" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss_dd824f81-87ee-4919-ad75-fae9c83c22fb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/FairValueDisclosuresQuantitativeInformationAboutLevel3Details" xlink:type="simple" xlink:href="ibcp-20230331.xsd#FairValueDisclosuresQuantitativeInformationAboutLevel3Details"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/FairValueDisclosuresQuantitativeInformationAboutLevel3Details" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_e631c48b-a7f9-432c-b04c-268fc329c68f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_c0e955f2-22f8-4a45-9450-0deff58efb3f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_e631c48b-a7f9-432c-b04c-268fc329c68f" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_c0e955f2-22f8-4a45-9450-0deff58efb3f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis_61c7b877-b7f2-4801-93e6-a5c2d0951d5a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByMeasurementFrequencyAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_c0e955f2-22f8-4a45-9450-0deff58efb3f" xlink:to="loc_us-gaap_FairValueByMeasurementFrequencyAxis_61c7b877-b7f2-4801-93e6-a5c2d0951d5a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_06375434-b1e9-4158-9cbe-d5572d8eaa9b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_61c7b877-b7f2-4801-93e6-a5c2d0951d5a" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_06375434-b1e9-4158-9cbe-d5572d8eaa9b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsRecurringMember_b278075d-8685-49f7-baa7-908b3fde83f8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsRecurringMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_06375434-b1e9-4158-9cbe-d5572d8eaa9b" xlink:to="loc_us-gaap_FairValueMeasurementsRecurringMember_b278075d-8685-49f7-baa7-908b3fde83f8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsNonrecurringMember_8acb112f-5c60-4fd1-807e-e355b525c466" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsNonrecurringMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_06375434-b1e9-4158-9cbe-d5572d8eaa9b" xlink:to="loc_us-gaap_FairValueMeasurementsNonrecurringMember_8acb112f-5c60-4fd1-807e-e355b525c466" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_b3732dd9-13ea-4572-a91e-e78377b00f60" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_c0e955f2-22f8-4a45-9450-0deff58efb3f" xlink:to="loc_us-gaap_FinancialInstrumentAxis_b3732dd9-13ea-4572-a91e-e78377b00f60" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_bda914d6-b871-4cd1-9034-70c07b262052" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentAxis_b3732dd9-13ea-4572-a91e-e78377b00f60" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_bda914d6-b871-4cd1-9034-70c07b262052" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CapitalizedMortgageLoanServicingRightsMember_7b06e595-fd51-4794-9c9e-15828e8638dd" xlink:href="ibcp-20230331.xsd#ibcp_CapitalizedMortgageLoanServicingRightsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_bda914d6-b871-4cd1-9034-70c07b262052" xlink:to="loc_ibcp_CapitalizedMortgageLoanServicingRightsMember_7b06e595-fd51-4794-9c9e-15828e8638dd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CollateralDependentLoansMember_22fcbacf-023b-418c-af4b-c885710c5b1c" xlink:href="ibcp-20230331.xsd#ibcp_CollateralDependentLoansMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_bda914d6-b871-4cd1-9034-70c07b262052" xlink:to="loc_ibcp_CollateralDependentLoansMember_22fcbacf-023b-418c-af4b-c885710c5b1c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CollateralDependentLoansMortgageAndInstallmentMember_e962e303-0262-4cb2-bf76-9eee4af4196e" xlink:href="ibcp-20230331.xsd#ibcp_CollateralDependentLoansMortgageAndInstallmentMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_bda914d6-b871-4cd1-9034-70c07b262052" xlink:to="loc_ibcp_CollateralDependentLoansMortgageAndInstallmentMember_e962e303-0262-4cb2-bf76-9eee4af4196e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentPortfolioSegmentMember_d454fafe-b0af-46df-9e19-6c000165053f" xlink:href="ibcp-20230331.xsd#ibcp_InstallmentPortfolioSegmentMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_bda914d6-b871-4cd1-9034-70c07b262052" xlink:to="loc_ibcp_InstallmentPortfolioSegmentMember_d454fafe-b0af-46df-9e19-6c000165053f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_952d2251-db56-43a8-b153-a202904e257e" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeAxis"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_c0e955f2-22f8-4a45-9450-0deff58efb3f" xlink:to="loc_srt_RangeAxis_952d2251-db56-43a8-b153-a202904e257e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_76bf5237-c23e-48ef-94a0-7343a889b575" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_RangeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeAxis_952d2251-db56-43a8-b153-a202904e257e" xlink:to="loc_srt_RangeMember_76bf5237-c23e-48ef-94a0-7343a889b575" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_c5fbadf1-1bc7-427b-8cbb-0cc5b10eba4b" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MinimumMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_76bf5237-c23e-48ef-94a0-7343a889b575" xlink:to="loc_srt_MinimumMember_c5fbadf1-1bc7-427b-8cbb-0cc5b10eba4b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_0aabee05-24ad-42bf-ac01-6ee9f6e0a3a9" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MaximumMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_76bf5237-c23e-48ef-94a0-7343a889b575" xlink:to="loc_srt_MaximumMember_0aabee05-24ad-42bf-ac01-6ee9f6e0a3a9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_WeightedAverageMember_ee1143db-fa8e-4a61-89f7-a1732d777282" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_WeightedAverageMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_RangeMember_76bf5237-c23e-48ef-94a0-7343a889b575" xlink:to="loc_srt_WeightedAverageMember_ee1143db-fa8e-4a61-89f7-a1732d777282" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueAxis_205c6dab-e008-4a73-b51f-0099ae90bb6a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ValuationTechniqueAxis"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_c0e955f2-22f8-4a45-9450-0deff58efb3f" xlink:to="loc_us-gaap_ValuationTechniqueAxis_205c6dab-e008-4a73-b51f-0099ae90bb6a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueDomain_0220db27-eb66-4a50-adbf-3e88784163ce" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ValuationTechniqueDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ValuationTechniqueAxis_205c6dab-e008-4a73-b51f-0099ae90bb6a" xlink:to="loc_us-gaap_ValuationTechniqueDomain_0220db27-eb66-4a50-adbf-3e88784163ce" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_PresentValueOfNetServicingRevenueMember_d02d537b-35fc-4359-8637-10395590c08a" xlink:href="ibcp-20230331.xsd#ibcp_PresentValueOfNetServicingRevenueMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ValuationTechniqueDomain_0220db27-eb66-4a50-adbf-3e88784163ce" xlink:to="loc_ibcp_PresentValueOfNetServicingRevenueMember_d02d537b-35fc-4359-8637-10395590c08a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_SalesComparisonApproachMember_c9ca7000-be67-4696-806f-04e3dd165f3e" xlink:href="ibcp-20230331.xsd#ibcp_SalesComparisonApproachMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ValuationTechniqueDomain_0220db27-eb66-4a50-adbf-3e88784163ce" xlink:to="loc_ibcp_SalesComparisonApproachMember_c9ca7000-be67-4696-806f-04e3dd165f3e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_cbcb0a70-7bbb-4d54-8ac4-1d48ece6a8e2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_c0e955f2-22f8-4a45-9450-0deff58efb3f" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_cbcb0a70-7bbb-4d54-8ac4-1d48ece6a8e2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_7367dd94-f674-4476-abac-a5521ae4f66e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_cbcb0a70-7bbb-4d54-8ac4-1d48ece6a8e2" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_7367dd94-f674-4476-abac-a5521ae4f66e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_cca1253f-c64e-403d-b473-fb11e1e5d221" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_7367dd94-f674-4476-abac-a5521ae4f66e" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_cca1253f-c64e-403d-b473-fb11e1e5d221" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeAxis_a6ac9725-36e3-4181-a6f5-273315afe885" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MeasurementInputTypeAxis"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_c0e955f2-22f8-4a45-9450-0deff58efb3f" xlink:to="loc_us-gaap_MeasurementInputTypeAxis_a6ac9725-36e3-4181-a6f5-273315afe885" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeDomain_fb38810a-742e-4f74-9e50-5700de9c1abd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MeasurementInputTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeAxis_a6ac9725-36e3-4181-a6f5-273315afe885" xlink:to="loc_us-gaap_MeasurementInputTypeDomain_fb38810a-742e-4f74-9e50-5700de9c1abd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputDiscountRateMember_3b010162-d5b5-4677-a3f9-95cd35f48728" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MeasurementInputDiscountRateMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_fb38810a-742e-4f74-9e50-5700de9c1abd" xlink:to="loc_us-gaap_MeasurementInputDiscountRateMember_3b010162-d5b5-4677-a3f9-95cd35f48728" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_MeasurementInputCostToServiceApproachMember_7bb54206-4d1a-4bb7-a315-638b6d2600f8" xlink:href="ibcp-20230331.xsd#ibcp_MeasurementInputCostToServiceApproachMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_fb38810a-742e-4f74-9e50-5700de9c1abd" xlink:to="loc_ibcp_MeasurementInputCostToServiceApproachMember_7bb54206-4d1a-4bb7-a315-638b6d2600f8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_MeasurementInputAncillaryIncomeMember_c840b36d-d3aa-4bff-8bdf-fe62842dc2f7" xlink:href="ibcp-20230331.xsd#ibcp_MeasurementInputAncillaryIncomeMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_fb38810a-742e-4f74-9e50-5700de9c1abd" xlink:to="loc_ibcp_MeasurementInputAncillaryIncomeMember_c840b36d-d3aa-4bff-8bdf-fe62842dc2f7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_MeasurementInputFloatRateMember_1f9a7794-c540-47c2-8ef2-2e2d59605887" xlink:href="ibcp-20230331.xsd#ibcp_MeasurementInputFloatRateMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_fb38810a-742e-4f74-9e50-5700de9c1abd" xlink:to="loc_ibcp_MeasurementInputFloatRateMember_1f9a7794-c540-47c2-8ef2-2e2d59605887" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputPrepaymentRateMember_e0d953c6-75b0-48d4-aaae-8917f96ac3dc" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MeasurementInputPrepaymentRateMember"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_fb38810a-742e-4f74-9e50-5700de9c1abd" xlink:to="loc_us-gaap_MeasurementInputPrepaymentRateMember_e0d953c6-75b0-48d4-aaae-8917f96ac3dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputComparabilityAdjustmentMember_f8f28672-991b-4f2a-ac31-c8c9c72763a4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_MeasurementInputComparabilityAdjustmentMember"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_fb38810a-742e-4f74-9e50-5700de9c1abd" xlink:to="loc_us-gaap_MeasurementInputComparabilityAdjustmentMember_f8f28672-991b-4f2a-ac31-c8c9c72763a4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_3ec606f0-b2d6-4649-a997-b77b2a9b0a2f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_c0e955f2-22f8-4a45-9450-0deff58efb3f" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_3ec606f0-b2d6-4649-a997-b77b2a9b0a2f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsQuantitativeInformationAbstract_653520cb-4866-4035-a9e0-2dfa1cefba10" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsQuantitativeInformationAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_3ec606f0-b2d6-4649-a997-b77b2a9b0a2f" xlink:to="loc_us-gaap_FairValueInputsQuantitativeInformationAbstract_653520cb-4866-4035-a9e0-2dfa1cefba10" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueNetAssetLiabilityAbstract_b0dbd40c-1bd5-419d-99b0-4b7c3322aa46" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueNetAssetLiabilityAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueInputsQuantitativeInformationAbstract_653520cb-4866-4035-a9e0-2dfa1cefba10" xlink:to="loc_us-gaap_FairValueNetAssetLiabilityAbstract_b0dbd40c-1bd5-419d-99b0-4b7c3322aa46" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAsset_e9f7c32a-9a07-4495-b47e-4dabb61eaf08" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAsset"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueNetAssetLiabilityAbstract_b0dbd40c-1bd5-419d-99b0-4b7c3322aa46" xlink:to="loc_us-gaap_ServicingAsset_e9f7c32a-9a07-4495-b47e-4dabb61eaf08" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CollateralDependentLoansFairValue_cf41d6c8-aadd-4d91-9afe-908f4c6c7192" xlink:href="ibcp-20230331.xsd#ibcp_CollateralDependentLoansFairValue"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueNetAssetLiabilityAbstract_b0dbd40c-1bd5-419d-99b0-4b7c3322aa46" xlink:to="loc_ibcp_CollateralDependentLoansFairValue_cf41d6c8-aadd-4d91-9afe-908f4c6c7192" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_UnobservableInputsWeightedAverageAbstract_3ddf025f-a38c-402e-959a-2754b644a0d6" xlink:href="ibcp-20230331.xsd#ibcp_UnobservableInputsWeightedAverageAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueInputsQuantitativeInformationAbstract_653520cb-4866-4035-a9e0-2dfa1cefba10" xlink:to="loc_ibcp_UnobservableInputsWeightedAverageAbstract_3ddf025f-a38c-402e-959a-2754b644a0d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetMeasurementInput_14b2d7b4-c408-4053-b5be-6a54bf7258d0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ServicingAssetMeasurementInput"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_UnobservableInputsWeightedAverageAbstract_3ddf025f-a38c-402e-959a-2754b644a0d6" xlink:to="loc_us-gaap_ServicingAssetMeasurementInput_14b2d7b4-c408-4053-b5be-6a54bf7258d0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ImpairedLoansMeasurementInput_94678d8e-f297-48e2-bda3-b1e96dd23aac" xlink:href="ibcp-20230331.xsd#ibcp_ImpairedLoansMeasurementInput"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_UnobservableInputsWeightedAverageAbstract_3ddf025f-a38c-402e-959a-2754b644a0d6" xlink:to="loc_ibcp_ImpairedLoansMeasurementInput_94678d8e-f297-48e2-bda3-b1e96dd23aac" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/FairValueDisclosuresDifferenceBetweenAggregateFairValueandAggregateRemainingContractualPrincipalDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#FairValueDisclosuresDifferenceBetweenAggregateFairValueandAggregateRemainingContractualPrincipalDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/FairValueDisclosuresDifferenceBetweenAggregateFairValueandAggregateRemainingContractualPrincipalDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract_caeaffee-04c1-425c-91b3-7008a7945e9b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInLoansHeldForSaleAbstract_ff2cb08d-8a0e-4180-8a30-edbc355c3107" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncreaseDecreaseInLoansHeldForSaleAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract_caeaffee-04c1-425c-91b3-7008a7945e9b" xlink:to="loc_us-gaap_IncreaseDecreaseInLoansHeldForSaleAbstract_ff2cb08d-8a0e-4180-8a30-edbc355c3107" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_8031a47c-d70d-4e5f-8192-d3478f952feb" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInLoansHeldForSaleAbstract_ff2cb08d-8a0e-4180-8a30-edbc355c3107" xlink:to="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_8031a47c-d70d-4e5f-8192-d3478f952feb" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionAggregateDifferencesLoansAndLongTermReceivables_09a2f074-d490-42ec-830b-0d2e0c01a5f2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueOptionAggregateDifferencesLoansAndLongTermReceivables"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInLoansHeldForSaleAbstract_ff2cb08d-8a0e-4180-8a30-edbc355c3107" xlink:to="loc_us-gaap_FairValueOptionAggregateDifferencesLoansAndLongTermReceivables_09a2f074-d490-42ec-830b-0d2e0c01a5f2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableHeldForSaleAmount_fa5d671b-4c61-4321-8f58-ab7070a1bf65" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LoansReceivableHeldForSaleAmount"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_IncreaseDecreaseInLoansHeldForSaleAbstract_ff2cb08d-8a0e-4180-8a30-edbc355c3107" xlink:to="loc_us-gaap_LoansReceivableHeldForSaleAmount_fa5d671b-4c61-4321-8f58-ab7070a1bf65" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/FairValuesofFinancialInstrumentsDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#FairValuesofFinancialInstrumentsDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/FairValuesofFinancialInstrumentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FairValuesOfFinancialInstrumentsAbstract_e6b46127-ab55-4d19-894c-abc6c5789584" xlink:href="ibcp-20230331.xsd#ibcp_FairValuesOfFinancialInstrumentsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByBalanceSheetGroupingTable_5fb45792-b6f6-4ab2-80d8-8a96f36d89d1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByBalanceSheetGroupingTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_FairValuesOfFinancialInstrumentsAbstract_e6b46127-ab55-4d19-894c-abc6c5789584" xlink:to="loc_us-gaap_FairValueByBalanceSheetGroupingTable_5fb45792-b6f6-4ab2-80d8-8a96f36d89d1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_53839bd7-aeba-44b7-b0a9-f42fae210ed7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_5fb45792-b6f6-4ab2-80d8-8a96f36d89d1" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_53839bd7-aeba-44b7-b0a9-f42fae210ed7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_cdf5d734-579b-4647-8fb5-c4988b76dbd2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_53839bd7-aeba-44b7-b0a9-f42fae210ed7" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_cdf5d734-579b-4647-8fb5-c4988b76dbd2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_042477ed-3bc5-49e3-a73c-481b765dfb3c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_cdf5d734-579b-4647-8fb5-c4988b76dbd2" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_042477ed-3bc5-49e3-a73c-481b765dfb3c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_e743c4a9-feda-4fd3-828d-01dd250f2775" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_cdf5d734-579b-4647-8fb5-c4988b76dbd2" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_e743c4a9-feda-4fd3-828d-01dd250f2775" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_a23e158f-d305-4b2b-b4bc-749e49f3821e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_cdf5d734-579b-4647-8fb5-c4988b76dbd2" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_a23e158f-d305-4b2b-b4bc-749e49f3821e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementBasisAxis_3e0bf649-8023-4a32-8e2f-8d3cdd4036ed" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueByMeasurementBasisAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_5fb45792-b6f6-4ab2-80d8-8a96f36d89d1" xlink:to="loc_us-gaap_FairValueByMeasurementBasisAxis_3e0bf649-8023-4a32-8e2f-8d3cdd4036ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosureItemAmountsDomain_ac75c066-b2a5-4fe7-a8fe-b7df0ee71e84" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueDisclosureItemAmountsDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByMeasurementBasisAxis_3e0bf649-8023-4a32-8e2f-8d3cdd4036ed" xlink:to="loc_us-gaap_FairValueDisclosureItemAmountsDomain_ac75c066-b2a5-4fe7-a8fe-b7df0ee71e84" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_3930e0a8-1361-478f-af40-1eb253535c85" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_PortionAtFairValueFairValueDisclosureMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueDisclosureItemAmountsDomain_ac75c066-b2a5-4fe7-a8fe-b7df0ee71e84" xlink:to="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_3930e0a8-1361-478f-af40-1eb253535c85" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember_d8559791-f8d9-4733-81f1-57616c91765f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CarryingReportedAmountFairValueDisclosureMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_3930e0a8-1361-478f-af40-1eb253535c85" xlink:to="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember_d8559791-f8d9-4733-81f1-57616c91765f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember_12f69262-9d70-49e0-965e-6e586aa9281a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EstimateOfFairValueFairValueDisclosureMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_3930e0a8-1361-478f-af40-1eb253535c85" xlink:to="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember_12f69262-9d70-49e0-965e-6e586aa9281a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_3768ec3a-b169-4517-8a38-39771f0419b2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_5fb45792-b6f6-4ab2-80d8-8a96f36d89d1" xlink:to="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_3768ec3a-b169-4517-8a38-39771f0419b2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_EstimatedRecordedBookBalanceAndFairValueAbstract_a1b42537-c763-450f-bbe4-dadc1fdb7a54" xlink:href="ibcp-20230331.xsd#ibcp_EstimatedRecordedBookBalanceAndFairValueAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_3768ec3a-b169-4517-8a38-39771f0419b2" xlink:to="loc_ibcp_EstimatedRecordedBookBalanceAndFairValueAbstract_a1b42537-c763-450f-bbe4-dadc1fdb7a54" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_d528d6c9-2bf7-4df4-b95f-75431565a311" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_EstimatedRecordedBookBalanceAndFairValueAbstract_a1b42537-c763-450f-bbe4-dadc1fdb7a54" xlink:to="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_d528d6c9-2bf7-4df4-b95f-75431565a311" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CashAndDueFromBanksFairValueDisclosure_28238df6-d011-4b3b-bd82-ac7891141bee" xlink:href="ibcp-20230331.xsd#ibcp_CashAndDueFromBanksFairValueDisclosure"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_d528d6c9-2bf7-4df4-b95f-75431565a311" xlink:to="loc_ibcp_CashAndDueFromBanksFairValueDisclosure_28238df6-d011-4b3b-bd82-ac7891141bee" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InterestBearingDepositsWithBanksFairValueDisclosure_93ca3953-b0fa-428a-bb76-936416b80a63" xlink:href="ibcp-20230331.xsd#ibcp_InterestBearingDepositsWithBanksFairValueDisclosure"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_d528d6c9-2bf7-4df4-b95f-75431565a311" xlink:to="loc_ibcp_InterestBearingDepositsWithBanksFairValueDisclosure_93ca3953-b0fa-428a-bb76-936416b80a63" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_735e021e-35bf-4866-8294-2e3a395011ec" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_d528d6c9-2bf7-4df4-b95f-75431565a311" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_735e021e-35bf-4866-8294-2e3a395011ec" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_43dc898c-f23c-4298-bc67-b9390d765627" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_d528d6c9-2bf7-4df4-b95f-75431565a311" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_43dc898c-f23c-4298-bc67-b9390d765627" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock_37e33222-2212-4684-99b2-5d1d803a2900" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_d528d6c9-2bf7-4df4-b95f-75431565a311" xlink:to="loc_us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock_37e33222-2212-4684-99b2-5d1d803a2900" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_NetLoansAndLoansHeldForSaleFairValueDisclosure_b20e13c6-6102-4eb0-840b-02be6a894c38" xlink:href="ibcp-20230331.xsd#ibcp_NetLoansAndLoansHeldForSaleFairValueDisclosure"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_d528d6c9-2bf7-4df4-b95f-75431565a311" xlink:to="loc_ibcp_NetLoansAndLoansHeldForSaleFairValueDisclosure_b20e13c6-6102-4eb0-840b-02be6a894c38" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestReceivableCurrent_966e7c9c-a9cb-4ec3-905f-2edf723a44d4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestReceivableCurrent"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_d528d6c9-2bf7-4df4-b95f-75431565a311" xlink:to="loc_us-gaap_InterestReceivableCurrent_966e7c9c-a9cb-4ec3-905f-2edf723a44d4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_8b0d7538-14d8-4eb7-9c3e-be7f26f3dac3" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeAssets"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_d528d6c9-2bf7-4df4-b95f-75431565a311" xlink:to="loc_us-gaap_DerivativeAssets_8b0d7538-14d8-4eb7-9c3e-be7f26f3dac3" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_12109478-1f7f-4b65-be17-7e515f6c2188" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_EstimatedRecordedBookBalanceAndFairValueAbstract_a1b42537-c763-450f-bbe4-dadc1fdb7a54" xlink:to="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_12109478-1f7f-4b65-be17-7e515f6c2188" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DomesticDepositSavingsNoStatedMaturity_f9e3a2f7-04e6-471d-bf09-50d274c0ce3d" xlink:href="ibcp-20230331.xsd#ibcp_DomesticDepositSavingsNoStatedMaturity"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_12109478-1f7f-4b65-be17-7e515f6c2188" xlink:to="loc_ibcp_DomesticDepositSavingsNoStatedMaturity_f9e3a2f7-04e6-471d-bf09-50d274c0ce3d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDeposits_49ea8325-02a4-44e7-9cf1-3363b390d048" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_TimeDeposits"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_12109478-1f7f-4b65-be17-7e515f6c2188" xlink:to="loc_us-gaap_TimeDeposits_49ea8325-02a4-44e7-9cf1-3363b390d048" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherBorrowings_b8464eef-c323-4f37-827f-e718626c938f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherBorrowings"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_12109478-1f7f-4b65-be17-7e515f6c2188" xlink:to="loc_us-gaap_OtherBorrowings_b8464eef-c323-4f37-827f-e718626c938f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubordinatedDebt_a56d3455-4221-4ef1-8f40-e36fb9a0f45d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubordinatedDebt"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_12109478-1f7f-4b65-be17-7e515f6c2188" xlink:to="loc_us-gaap_SubordinatedDebt_a56d3455-4221-4ef1-8f40-e36fb9a0f45d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_189b727b-0be1-41bd-89be-12a9a89f4245" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_12109478-1f7f-4b65-be17-7e515f6c2188" xlink:to="loc_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_189b727b-0be1-41bd-89be-12a9a89f4245" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPayableCurrentAndNoncurrent_2c2d4d71-576f-42ad-9a06-4c16a8647899" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestPayableCurrentAndNoncurrent"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_12109478-1f7f-4b65-be17-7e515f6c2188" xlink:to="loc_us-gaap_InterestPayableCurrentAndNoncurrent_2c2d4d71-576f-42ad-9a06-4c16a8647899" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_c5a5f198-c6f5-46a6-9fec-e5ac8b020a87" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DerivativeLiabilities"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_12109478-1f7f-4b65-be17-7e515f6c2188" xlink:to="loc_us-gaap_DerivativeLiabilities_c5a5f198-c6f5-46a6-9fec-e5ac8b020a87" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ReciprocalDepositsIncludedInDepositsWithNoStatedMaturity_fdba5f68-dc51-4b57-87c2-9367968771d5" xlink:href="ibcp-20230331.xsd#ibcp_ReciprocalDepositsIncludedInDepositsWithNoStatedMaturity"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_EstimatedRecordedBookBalanceAndFairValueAbstract_a1b42537-c763-450f-bbe4-dadc1fdb7a54" xlink:to="loc_ibcp_ReciprocalDepositsIncludedInDepositsWithNoStatedMaturity_fdba5f68-dc51-4b57-87c2-9367968771d5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ReciprocalDepositsIncludedInDepositsWithStatedMaturity_0eb6ba74-1c32-4175-af05-f51c247441aa" xlink:href="ibcp-20230331.xsd#ibcp_ReciprocalDepositsIncludedInDepositsWithStatedMaturity"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_EstimatedRecordedBookBalanceAndFairValueAbstract_a1b42537-c763-450f-bbe4-dadc1fdb7a54" xlink:to="loc_ibcp_ReciprocalDepositsIncludedInDepositsWithStatedMaturity_0eb6ba74-1c32-4175-af05-f51c247441aa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/ContingenciesNarrativeDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#ContingenciesNarrativeDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/ContingenciesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_9c249d5a-8530-49ce-966a-3d2363140b5d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SummaryOfInvestmentHoldingsTable_56f7dde4-dcee-48a0-836c-58b01697138c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SummaryOfInvestmentHoldingsTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_9c249d5a-8530-49ce-966a-3d2363140b5d" xlink:to="loc_us-gaap_SummaryOfInvestmentHoldingsTable_56f7dde4-dcee-48a0-836c-58b01697138c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeAxis_703783d2-8372-4f05-af01-a9bf291e48c9" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentTypeAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SummaryOfInvestmentHoldingsTable_56f7dde4-dcee-48a0-836c-58b01697138c" xlink:to="loc_us-gaap_InvestmentTypeAxis_703783d2-8372-4f05-af01-a9bf291e48c9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember_915b793d-af52-4801-91f9-f209e2c872ab" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeAxis_703783d2-8372-4f05-af01-a9bf291e48c9" xlink:to="loc_us-gaap_InvestmentTypeCategorizationMember_915b793d-af52-4801-91f9-f209e2c872ab" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_VISAClassBMember_5785d7d9-046b-46b1-b511-e988334fc326" xlink:href="ibcp-20230331.xsd#ibcp_VISAClassBMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_915b793d-af52-4801-91f9-f209e2c872ab" xlink:to="loc_ibcp_VISAClassBMember_5785d7d9-046b-46b1-b511-e988334fc326" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_VISAClassAStockMember_65da29c9-8d05-44b8-b235-e612c9c398e8" xlink:href="ibcp-20230331.xsd#ibcp_VISAClassAStockMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_915b793d-af52-4801-91f9-f209e2c872ab" xlink:to="loc_ibcp_VISAClassAStockMember_65da29c9-8d05-44b8-b235-e612c9c398e8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeAxis_1ba2f17e-ade8-4325-ab86-134a4f7e9e4f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubsequentEventTypeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SummaryOfInvestmentHoldingsTable_56f7dde4-dcee-48a0-836c-58b01697138c" xlink:to="loc_us-gaap_SubsequentEventTypeAxis_1ba2f17e-ade8-4325-ab86-134a4f7e9e4f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeDomain_fb075279-25a9-40b6-b5e0-ab9d23100bb5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubsequentEventTypeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTypeAxis_1ba2f17e-ade8-4325-ab86-134a4f7e9e4f" xlink:to="loc_us-gaap_SubsequentEventTypeDomain_fb075279-25a9-40b6-b5e0-ab9d23100bb5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventMember_d086cac1-9fcc-4388-a208-fb34968ce92b" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SubsequentEventMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SubsequentEventTypeDomain_fb075279-25a9-40b6-b5e0-ab9d23100bb5" xlink:to="loc_us-gaap_SubsequentEventMember_d086cac1-9fcc-4388-a208-fb34968ce92b" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SummaryOfInvestmentHoldingsLineItems_d1a8aaac-04ed-4525-b100-2b5e87f6629e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SummaryOfInvestmentHoldingsLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SummaryOfInvestmentHoldingsTable_56f7dde4-dcee-48a0-836c-58b01697138c" xlink:to="loc_us-gaap_SummaryOfInvestmentHoldingsLineItems_d1a8aaac-04ed-4525-b100-2b5e87f6629e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentOwnedBalanceAbstract_27c832ef-47b9-403e-87ce-4bafcfd302a8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentOwnedBalanceAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_SummaryOfInvestmentHoldingsLineItems_d1a8aaac-04ed-4525-b100-2b5e87f6629e" xlink:to="loc_us-gaap_InvestmentOwnedBalanceAbstract_27c832ef-47b9-403e-87ce-4bafcfd302a8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentOwnedBalanceShares_a33475b8-dae1-4616-9917-8a9b4c3117a7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InvestmentOwnedBalanceShares"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentOwnedBalanceAbstract_27c832ef-47b9-403e-87ce-4bafcfd302a8" xlink:to="loc_us-gaap_InvestmentOwnedBalanceShares_a33475b8-dae1-4616-9917-8a9b4c3117a7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_EquityInvestmentConversionRatio_e10bb079-6076-4deb-a22c-63a678164266" xlink:href="ibcp-20230331.xsd#ibcp_EquityInvestmentConversionRatio"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentOwnedBalanceAbstract_27c832ef-47b9-403e-87ce-4bafcfd302a8" xlink:to="loc_ibcp_EquityInvestmentConversionRatio_e10bb079-6076-4deb-a22c-63a678164266" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharePrice_5c8b5322-fab4-426a-99b4-12bf27ede060" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_SharePrice"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentOwnedBalanceAbstract_27c832ef-47b9-403e-87ce-4bafcfd302a8" xlink:to="loc_us-gaap_SharePrice_5c8b5322-fab4-426a-99b4-12bf27ede060" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InvestmentOwnedBalanceSharesValue_734c1f15-8fd3-430c-9b83-183bfd9f7c52" xlink:href="ibcp-20230331.xsd#ibcp_InvestmentOwnedBalanceSharesValue"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_InvestmentOwnedBalanceAbstract_27c832ef-47b9-403e-87ce-4bafcfd302a8" xlink:to="loc_ibcp_InvestmentOwnedBalanceSharesValue_734c1f15-8fd3-430c-9b83-183bfd9f7c52" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/AccumulatedOtherComprehensiveIncomeLossAOCILSummaryofChangesDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#AccumulatedOtherComprehensiveIncomeLossAOCILSummaryofChangesDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/AccumulatedOtherComprehensiveIncomeLossAOCILSummaryofChangesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_4e0daf05-0c3b-49f2-9677-b2efbc660079" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_f5e07df1-5618-4af7-8639-27a74231fc8a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_4e0daf05-0c3b-49f2-9677-b2efbc660079" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_f5e07df1-5618-4af7-8639-27a74231fc8a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_e04b01ff-c16a-4b22-a41b-ee12ac37ace2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_f5e07df1-5618-4af7-8639-27a74231fc8a" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_e04b01ff-c16a-4b22-a41b-ee12ac37ace2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_00cd114e-e015-47d7-a272-a7aec5872378" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquityComponentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_e04b01ff-c16a-4b22-a41b-ee12ac37ace2" xlink:to="loc_us-gaap_EquityComponentDomain_00cd114e-e015-47d7-a272-a7aec5872378" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_6de7bb71-c794-4df2-936a-f13af18af135" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_00cd114e-e015-47d7-a272-a7aec5872378" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_6de7bb71-c794-4df2-936a-f13af18af135" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_d4d9804a-27c3-4e61-b807-c7cf8066036a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_6de7bb71-c794-4df2-936a-f13af18af135" xlink:to="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_d4d9804a-27c3-4e61-b807-c7cf8066036a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_AccumulatedOtherComprehensiveIncomeLossUnrealizedLossesOnSecuritiesTransferredToSecuritiesHeldToMaturityMember_69487dfc-420a-4d69-8906-1f5da7645a4e" xlink:href="ibcp-20230331.xsd#ibcp_AccumulatedOtherComprehensiveIncomeLossUnrealizedLossesOnSecuritiesTransferredToSecuritiesHeldToMaturityMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_6de7bb71-c794-4df2-936a-f13af18af135" xlink:to="loc_ibcp_AccumulatedOtherComprehensiveIncomeLossUnrealizedLossesOnSecuritiesTransferredToSecuritiesHeldToMaturityMember_69487dfc-420a-4d69-8906-1f5da7645a4e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_AccumulatedOtherComprehensiveIncomeLossDisproportionateTaxEffectsFromSecuritiesAvailableForSaleMember_f1a16ffa-26ea-43df-b0f2-e5c4f8f4257c" xlink:href="ibcp-20230331.xsd#ibcp_AccumulatedOtherComprehensiveIncomeLossDisproportionateTaxEffectsFromSecuritiesAvailableForSaleMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_6de7bb71-c794-4df2-936a-f13af18af135" xlink:to="loc_ibcp_AccumulatedOtherComprehensiveIncomeLossDisproportionateTaxEffectsFromSecuritiesAvailableForSaleMember_f1a16ffa-26ea-43df-b0f2-e5c4f8f4257c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_ad850307-ba38-48ac-8300-2566da6d2373" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_6de7bb71-c794-4df2-936a-f13af18af135" xlink:to="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_ad850307-ba38-48ac-8300-2566da6d2373" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_e9130556-9e38-46b8-894a-e10130269655" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_f5e07df1-5618-4af7-8639-27a74231fc8a" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_e9130556-9e38-46b8-894a-e10130269655" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_105036c9-da6a-4c49-8c81-3c101a3e86f5" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AOCIAttributableToParentNetOfTaxRollForward"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_e9130556-9e38-46b8-894a-e10130269655" xlink:to="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_105036c9-da6a-4c49-8c81-3c101a3e86f5" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_ac17871e-4910-4e67-8dcd-c0b7f74d7272" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockholdersEquity"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_105036c9-da6a-4c49-8c81-3c101a3e86f5" xlink:to="loc_us-gaap_StockholdersEquity_ac17871e-4910-4e67-8dcd-c0b7f74d7272" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodStartLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_1e8e4435-2b43-4931-ac9a-48c28345a01e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_105036c9-da6a-4c49-8c81-3c101a3e86f5" xlink:to="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_1e8e4435-2b43-4931-ac9a-48c28345a01e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_6b5a2566-bd8a-4e56-994d-fdece74d95d0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_105036c9-da6a-4c49-8c81-3c101a3e86f5" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_6b5a2566-bd8a-4e56-994d-fdece74d95d0" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_17de1b10-6840-42fe-b3da-e997fb50729f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_105036c9-da6a-4c49-8c81-3c101a3e86f5" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_17de1b10-6840-42fe-b3da-e997fb50729f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_ec039d18-e6a3-41b4-a410-eadae2deab95" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StockholdersEquity"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_105036c9-da6a-4c49-8c81-3c101a3e86f5" xlink:to="loc_us-gaap_StockholdersEquity_ec039d18-e6a3-41b4-a410-eadae2deab95" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/periodEndLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/AccumulatedOtherComprehensiveIncomeLossAOCILReclassificationOutofEachComponentsDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#AccumulatedOtherComprehensiveIncomeLossAOCILReclassificationOutofEachComponentsDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/AccumulatedOtherComprehensiveIncomeLossAOCILReclassificationOutofEachComponentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_85673af9-e91d-4730-a6c8-c31fcfa4a9df" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_73dc92d3-4807-4703-85fe-997d108c7f6f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract_85673af9-e91d-4730-a6c8-c31fcfa4a9df" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_73dc92d3-4807-4703-85fe-997d108c7f6f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_14c37eeb-61ac-4c0d-9b34-0373759cd1d7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_73dc92d3-4807-4703-85fe-997d108c7f6f" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_14c37eeb-61ac-4c0d-9b34-0373759cd1d7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_d14c2da0-486b-4098-a3f8-434f92b4f751" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_EquityComponentDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_14c37eeb-61ac-4c0d-9b34-0373759cd1d7" xlink:to="loc_us-gaap_EquityComponentDomain_d14c2da0-486b-4098-a3f8-434f92b4f751" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_9be47040-8797-411c-bc65-b75e9dea4443" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_d14c2da0-486b-4098-a3f8-434f92b4f751" xlink:to="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_9be47040-8797-411c-bc65-b75e9dea4443" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_ecf86fc3-a678-4482-941f-5b2cbd222a52" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_EquityComponentDomain_d14c2da0-486b-4098-a3f8-434f92b4f751" xlink:to="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_ecf86fc3-a678-4482-941f-5b2cbd222a52" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_fa79dd9b-7327-4536-8039-6bd3ad123fdd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_73dc92d3-4807-4703-85fe-997d108c7f6f" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_fa79dd9b-7327-4536-8039-6bd3ad123fdd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_9587a608-be2c-4a16-aacd-f81ec1bc6bde" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_fa79dd9b-7327-4536-8039-6bd3ad123fdd" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_9587a608-be2c-4a16-aacd-f81ec1bc6bde" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_ba5eb738-43cb-481b-acc8-b1f83efc75c8" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_9587a608-be2c-4a16-aacd-f81ec1bc6bde" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_ba5eb738-43cb-481b-acc8-b1f83efc75c8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_a36c86e5-3a3a-4170-bb8d-b5765aa440d2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_73dc92d3-4807-4703-85fe-997d108c7f6f" xlink:to="loc_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_a36c86e5-3a3a-4170-bb8d-b5765aa440d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ReclassificationAdjustmentAccumulatedOtherComprehensiveIncomeAbstract_a900e318-7f5d-4aec-ba75-25b40030099d" xlink:href="ibcp-20230331.xsd#ibcp_ReclassificationAdjustmentAccumulatedOtherComprehensiveIncomeAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_a36c86e5-3a3a-4170-bb8d-b5765aa440d2" xlink:to="loc_ibcp_ReclassificationAdjustmentAccumulatedOtherComprehensiveIncomeAbstract_a900e318-7f5d-4aec-ba75-25b40030099d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtAndEquitySecuritiesRealizedGainLoss_6cc2f6b5-7dda-44c5-88db-ee4bec776681" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DebtAndEquitySecuritiesRealizedGainLoss"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_ReclassificationAdjustmentAccumulatedOtherComprehensiveIncomeAbstract_a900e318-7f5d-4aec-ba75-25b40030099d" xlink:to="loc_us-gaap_DebtAndEquitySecuritiesRealizedGainLoss_6cc2f6b5-7dda-44c5-88db-ee4bec776681" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_4c3ffc8c-6234-4403-95e1-2862708c0e87" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_ReclassificationAdjustmentAccumulatedOtherComprehensiveIncomeAbstract_a900e318-7f5d-4aec-ba75-25b40030099d" xlink:to="loc_us-gaap_InterestAndDividendIncomeOperating_4c3ffc8c-6234-4403-95e1-2862708c0e87" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_ea6a8c2f-8355-465a-89c9-18205dbc235e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_ReclassificationAdjustmentAccumulatedOtherComprehensiveIncomeAbstract_a900e318-7f5d-4aec-ba75-25b40030099d" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_ea6a8c2f-8355-465a-89c9-18205dbc235e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_a0631688-7909-4282-a59c-0fcd3e3effb1" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NetIncomeLoss"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_ReclassificationAdjustmentAccumulatedOtherComprehensiveIncomeAbstract_a900e318-7f5d-4aec-ba75-25b40030099d" xlink:to="loc_us-gaap_NetIncomeLoss_a0631688-7909-4282-a59c-0fcd3e3effb1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/RevenuefromContractswithCustomersNarrativeDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#RevenuefromContractswithCustomersNarrativeDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/RevenuefromContractswithCustomersNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerAbstract_4976e9e7-088d-4e20-99c0-6eb25d725f37" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RevenueFromContractWithCustomerAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_PercentageOfRevenueExcludedFromASU201409_30f16b46-620d-4514-b207-81f72e274798" xlink:href="ibcp-20230331.xsd#ibcp_PercentageOfRevenueExcludedFromASU201409"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract_4976e9e7-088d-4e20-99c0-6eb25d725f37" xlink:to="loc_ibcp_PercentageOfRevenueExcludedFromASU201409_30f16b46-620d-4514-b207-81f72e274798" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractWithCustomerLiability_46af2125-7477-404e-a776-c3d1428194cd" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ContractWithCustomerLiability"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract_4976e9e7-088d-4e20-99c0-6eb25d725f37" xlink:to="loc_us-gaap_ContractWithCustomerLiability_46af2125-7477-404e-a776-c3d1428194cd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractWithCustomerAssetNet_700dcc12-c6aa-45e8-8763-8c0168c7c35f" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ContractWithCustomerAssetNet"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract_4976e9e7-088d-4e20-99c0-6eb25d725f37" xlink:to="loc_us-gaap_ContractWithCustomerAssetNet_700dcc12-c6aa-45e8-8763-8c0168c7c35f" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_NumberOfRealEstateAssetsSold_c0a687fd-c322-4271-9e7c-8eb7170e3019" xlink:href="ibcp-20230331.xsd#ibcp_NumberOfRealEstateAssetsSold"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract_4976e9e7-088d-4e20-99c0-6eb25d725f37" xlink:to="loc_ibcp_NumberOfRealEstateAssetsSold_c0a687fd-c322-4271-9e7c-8eb7170e3019" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/RevenuefromContractswithCustomersDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#RevenuefromContractswithCustomersDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/RevenuefromContractswithCustomersDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerAbstract_9317153f-5537-4329-b383-8d4abf2e37f0" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RevenueFromContractWithCustomerAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueTable_e765d815-f42b-4aec-b06f-4202c0f2efff" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DisaggregationOfRevenueTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerAbstract_9317153f-5537-4329-b383-8d4abf2e37f0" xlink:to="loc_us-gaap_DisaggregationOfRevenueTable_e765d815-f42b-4aec-b06f-4202c0f2efff" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductOrServiceAxis_ae405d74-db27-4fe4-bedb-7b41d7ecfdaa" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ProductOrServiceAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_e765d815-f42b-4aec-b06f-4202c0f2efff" xlink:to="loc_srt_ProductOrServiceAxis_ae405d74-db27-4fe4-bedb-7b41d7ecfdaa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductsAndServicesDomain_caa02bbf-ecd3-4495-9442-6ff0a3e0fca9" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_ProductsAndServicesDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductOrServiceAxis_ae405d74-db27-4fe4-bedb-7b41d7ecfdaa" xlink:to="loc_srt_ProductsAndServicesDomain_caa02bbf-ecd3-4495-9442-6ff0a3e0fca9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ServiceChargesOnDepositsMember_f164cc32-1307-40e4-a477-defeb55ee88a" xlink:href="ibcp-20230331.xsd#ibcp_ServiceChargesOnDepositsMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_caa02bbf-ecd3-4495-9442-6ff0a3e0fca9" xlink:to="loc_ibcp_ServiceChargesOnDepositsMember_f164cc32-1307-40e4-a477-defeb55ee88a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_OverdraftFeesMember_9e3098ee-2ec1-43c4-a53c-01fadc96c643" xlink:href="ibcp-20230331.xsd#ibcp_OverdraftFeesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_ServiceChargesOnDepositsMember_f164cc32-1307-40e4-a477-defeb55ee88a" xlink:to="loc_ibcp_OverdraftFeesMember_9e3098ee-2ec1-43c4-a53c-01fadc96c643" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_AccountServiceChargesMember_13cd0e22-0c5a-4dec-83ec-dc15a9c54979" xlink:href="ibcp-20230331.xsd#ibcp_AccountServiceChargesMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_ServiceChargesOnDepositsMember_f164cc32-1307-40e4-a477-defeb55ee88a" xlink:to="loc_ibcp_AccountServiceChargesMember_13cd0e22-0c5a-4dec-83ec-dc15a9c54979" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_OtherDepositRelatedIncomeMember_e56f271c-788d-4167-80c7-776d332c72ed" xlink:href="ibcp-20230331.xsd#ibcp_OtherDepositRelatedIncomeMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_caa02bbf-ecd3-4495-9442-6ff0a3e0fca9" xlink:to="loc_ibcp_OtherDepositRelatedIncomeMember_e56f271c-788d-4167-80c7-776d332c72ed" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ATMFeesMember_8605b630-e048-43b6-be1c-ac383e851c46" xlink:href="ibcp-20230331.xsd#ibcp_ATMFeesMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_OtherDepositRelatedIncomeMember_e56f271c-788d-4167-80c7-776d332c72ed" xlink:to="loc_ibcp_ATMFeesMember_8605b630-e048-43b6-be1c-ac383e851c46" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_OtherMember_ced22199-6c4c-4b4b-9223-e7bb18a2a965" xlink:href="ibcp-20230331.xsd#ibcp_OtherMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_OtherDepositRelatedIncomeMember_e56f271c-788d-4167-80c7-776d332c72ed" xlink:to="loc_ibcp_OtherMember_ced22199-6c4c-4b4b-9223-e7bb18a2a965" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InterchangeIncomeMember_083253e3-fca7-4cd7-9102-3a27aa7bb89a" xlink:href="ibcp-20230331.xsd#ibcp_InterchangeIncomeMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_caa02bbf-ecd3-4495-9442-6ff0a3e0fca9" xlink:to="loc_ibcp_InterchangeIncomeMember_083253e3-fca7-4cd7-9102-3a27aa7bb89a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InvestmentAndInsuranceCommissionsMember_868b1cc8-f018-4666-b28b-40212b62b066" xlink:href="ibcp-20230331.xsd#ibcp_InvestmentAndInsuranceCommissionsMember"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_ProductsAndServicesDomain_caa02bbf-ecd3-4495-9442-6ff0a3e0fca9" xlink:to="loc_ibcp_InvestmentAndInsuranceCommissionsMember_868b1cc8-f018-4666-b28b-40212b62b066" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_AssetManagementRevenueMember_8d05520c-4a8d-4d12-b4d8-5a8374f3769e" xlink:href="ibcp-20230331.xsd#ibcp_AssetManagementRevenueMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_InvestmentAndInsuranceCommissionsMember_868b1cc8-f018-4666-b28b-40212b62b066" xlink:to="loc_ibcp_AssetManagementRevenueMember_8d05520c-4a8d-4d12-b4d8-5a8374f3769e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_TransactionBasedRevenueMember_722bfa70-2100-45d7-a7ee-6569330c7ead" xlink:href="ibcp-20230331.xsd#ibcp_TransactionBasedRevenueMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_ibcp_InvestmentAndInsuranceCommissionsMember_868b1cc8-f018-4666-b28b-40212b62b066" xlink:to="loc_ibcp_TransactionBasedRevenueMember_722bfa70-2100-45d7-a7ee-6569330c7ead" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MajorCustomersAxis_7de82bef-375d-4d70-959f-5820304bffb1" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_MajorCustomersAxis"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_e765d815-f42b-4aec-b06f-4202c0f2efff" xlink:to="loc_srt_MajorCustomersAxis_7de82bef-375d-4d70-959f-5820304bffb1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_NameOfMajorCustomerDomain_7f66fe76-94da-4e53-9a00-bbc38a1e72dc" xlink:href="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd#srt_NameOfMajorCustomerDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_MajorCustomersAxis_7de82bef-375d-4d70-959f-5820304bffb1" xlink:to="loc_srt_NameOfMajorCustomerDomain_7f66fe76-94da-4e53-9a00-bbc38a1e72dc" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CustomerRetailMember_72bb7d3e-2f7c-46ba-9bef-c1c11712485a" xlink:href="ibcp-20230331.xsd#ibcp_CustomerRetailMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_NameOfMajorCustomerDomain_7f66fe76-94da-4e53-9a00-bbc38a1e72dc" xlink:to="loc_ibcp_CustomerRetailMember_72bb7d3e-2f7c-46ba-9bef-c1c11712485a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CustomerBusinessMember_35e9bed5-1035-43a4-8f8b-11493c7e1134" xlink:href="ibcp-20230331.xsd#ibcp_CustomerBusinessMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_srt_NameOfMajorCustomerDomain_7f66fe76-94da-4e53-9a00-bbc38a1e72dc" xlink:to="loc_ibcp_CustomerBusinessMember_35e9bed5-1035-43a4-8f8b-11493c7e1134" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueLineItems_23218889-efee-4522-bd57-6a57888bc828" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DisaggregationOfRevenueLineItems"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_e765d815-f42b-4aec-b06f-4202c0f2efff" xlink:to="loc_us-gaap_DisaggregationOfRevenueLineItems_23218889-efee-4522-bd57-6a57888bc828" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueAbstract_cb4f80a8-5b55-4285-b29e-712ba4ec3c18" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_DisaggregationOfRevenueAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_23218889-efee-4522-bd57-6a57888bc828" xlink:to="loc_us-gaap_DisaggregationOfRevenueAbstract_cb4f80a8-5b55-4285-b29e-712ba4ec3c18" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_b6960eb9-4cf5-4cfc-9760-f409285f8633" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueAbstract_cb4f80a8-5b55-4285-b29e-712ba4ec3c18" xlink:to="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_b6960eb9-4cf5-4cfc-9760-f409285f8633" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankOwnedLifeInsuranceIncome_14870817-88ec-4fe8-8ddd-db2ea9877c83" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_BankOwnedLifeInsuranceIncome"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueAbstract_cb4f80a8-5b55-4285-b29e-712ba4ec3c18" xlink:to="loc_us-gaap_BankOwnedLifeInsuranceIncome_14870817-88ec-4fe8-8ddd-db2ea9877c83" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_NoninterestIncomeOtherOperatingIncomeOther_63438a6e-04d3-4034-85e6-cf9d49b5bcbd" xlink:href="ibcp-20230331.xsd#ibcp_NoninterestIncomeOtherOperatingIncomeOther"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueAbstract_cb4f80a8-5b55-4285-b29e-712ba4ec3c18" xlink:to="loc_ibcp_NoninterestIncomeOtherOperatingIncomeOther_63438a6e-04d3-4034-85e6-cf9d49b5bcbd" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_921976aa-de28-47bc-bafe-f809f5115f59" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_DisaggregationOfRevenueAbstract_cb4f80a8-5b55-4285-b29e-712ba4ec3c18" xlink:to="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_921976aa-de28-47bc-bafe-f809f5115f59" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/LeasesDetails" xlink:type="simple" xlink:href="ibcp-20230331.xsd#LeasesDetails"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/LeasesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeasesAbstract_9f00e33e-6659-474b-ad0d-cb661e463d21" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LeasesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeaseCostAbstract_fb46da79-e15d-4f55-a0f4-a3727c1fa786" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LeaseCostAbstract"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_9f00e33e-6659-474b-ad0d-cb661e463d21" xlink:to="loc_us-gaap_LeaseCostAbstract_fb46da79-e15d-4f55-a0f4-a3727c1fa786" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseCost_34e559f6-923b-49e7-8368-478841b4290e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingLeaseCost"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeaseCostAbstract_fb46da79-e15d-4f55-a0f4-a3727c1fa786" xlink:to="loc_us-gaap_OperatingLeaseCost_34e559f6-923b-49e7-8368-478841b4290e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableLeaseCost_e7a9a740-e0fe-4830-ab2e-3a4f166cc78e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_VariableLeaseCost"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeaseCostAbstract_fb46da79-e15d-4f55-a0f4-a3727c1fa786" xlink:to="loc_us-gaap_VariableLeaseCost_e7a9a740-e0fe-4830-ab2e-3a4f166cc78e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermLeaseCost_b8a3624c-f0d8-4980-a91e-9590c167bf02" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_ShortTermLeaseCost"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeaseCostAbstract_fb46da79-e15d-4f55-a0f4-a3727c1fa786" xlink:to="loc_us-gaap_ShortTermLeaseCost_b8a3624c-f0d8-4980-a91e-9590c167bf02" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LeaseCost_7ccb0154-204d-4740-99eb-aa13d8bd1a54" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LeaseCost"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeaseCostAbstract_fb46da79-e15d-4f55-a0f4-a3727c1fa786" xlink:to="loc_us-gaap_LeaseCost_7ccb0154-204d-4740-99eb-aa13d8bd1a54" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsAndLiabilitiesLesseeAbstract_5ce2adf8-7d54-4d27-ace3-9667df52fdb4" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_AssetsAndLiabilitiesLesseeAbstract"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_9f00e33e-6659-474b-ad0d-cb661e463d21" xlink:to="loc_us-gaap_AssetsAndLiabilitiesLesseeAbstract_5ce2adf8-7d54-4d27-ace3-9667df52fdb4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseRightOfUseAsset_4fcf14bf-b2b6-4f72-bc3e-8d9224a9e2da" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingLeaseRightOfUseAsset"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAndLiabilitiesLesseeAbstract_5ce2adf8-7d54-4d27-ace3-9667df52fdb4" xlink:to="loc_us-gaap_OperatingLeaseRightOfUseAsset_4fcf14bf-b2b6-4f72-bc3e-8d9224a9e2da" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiability_fac56d28-8b68-45c1-ac19-93420a96e463" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingLeaseLiability"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAndLiabilitiesLesseeAbstract_5ce2adf8-7d54-4d27-ace3-9667df52fdb4" xlink:to="loc_us-gaap_OperatingLeaseLiability_fac56d28-8b68-45c1-ac19-93420a96e463" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1_c1f5564c-2677-4af9-84a7-c0a1c230f603" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAndLiabilitiesLesseeAbstract_5ce2adf8-7d54-4d27-ace3-9667df52fdb4" xlink:to="loc_us-gaap_OperatingLeaseWeightedAverageRemainingLeaseTerm1_c1f5564c-2677-4af9-84a7-c0a1c230f603" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent_8d8f915e-d145-4ffa-a4a7-356ecba0f967" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAndLiabilitiesLesseeAbstract_5ce2adf8-7d54-4d27-ace3-9667df52fdb4" xlink:to="loc_us-gaap_OperatingLeaseWeightedAverageDiscountRatePercent_8d8f915e-d145-4ffa-a4a7-356ecba0f967" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList_a799c1ba-b972-4ee2-b838-cac80ca78ff7" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAndLiabilitiesLesseeAbstract_5ce2adf8-7d54-4d27-ace3-9667df52fdb4" xlink:to="loc_us-gaap_OperatingLeaseRightOfUseAssetStatementOfFinancialPositionExtensibleList_a799c1ba-b972-4ee2-b838-cac80ca78ff7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList_9d7d0455-bf82-4ff0-92d1-597ff19ef57d" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_AssetsAndLiabilitiesLesseeAbstract_5ce2adf8-7d54-4d27-ace3-9667df52fdb4" xlink:to="loc_us-gaap_OperatingLeaseLiabilityStatementOfFinancialPositionExtensibleList_9d7d0455-bf82-4ff0-92d1-597ff19ef57d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiabilitiesPaymentsDueAbstract_f4de9d73-8e48-4bc4-8243-8f1d2932de6c" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingLeaseLiabilitiesPaymentsDueAbstract"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_LeasesAbstract_9f00e33e-6659-474b-ad0d-cb661e463d21" xlink:to="loc_us-gaap_OperatingLeaseLiabilitiesPaymentsDueAbstract_f4de9d73-8e48-4bc4-8243-8f1d2932de6c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear_e8b38804-c142-4176-8271-f35a4d48ffba" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingLeaseLiabilitiesPaymentsDueAbstract_f4de9d73-8e48-4bc4-8243-8f1d2932de6c" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear_e8b38804-c142-4176-8271-f35a4d48ffba" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_73709d04-ee12-4d24-b724-714a8cf2555a" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingLeaseLiabilitiesPaymentsDueAbstract_f4de9d73-8e48-4bc4-8243-8f1d2932de6c" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths_73709d04-ee12-4d24-b724-714a8cf2555a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_aab1281b-bf3b-452a-9ca3-0f9068b58e4e" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingLeaseLiabilitiesPaymentsDueAbstract_f4de9d73-8e48-4bc4-8243-8f1d2932de6c" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearTwo_aab1281b-bf3b-452a-9ca3-0f9068b58e4e" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_2b06015f-f4fe-4401-84fe-76df1a1d66d2" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingLeaseLiabilitiesPaymentsDueAbstract_f4de9d73-8e48-4bc4-8243-8f1d2932de6c" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearThree_2b06015f-f4fe-4401-84fe-76df1a1d66d2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_f8f562a5-774e-466c-aec4-ff1c8a559714" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingLeaseLiabilitiesPaymentsDueAbstract_f4de9d73-8e48-4bc4-8243-8f1d2932de6c" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDueYearFour_f8f562a5-774e-466c-aec4-ff1c8a559714" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFour_1492a6d2-2d17-4612-99fc-40505e5c1da8" xlink:href="ibcp-20230331.xsd#ibcp_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFour"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingLeaseLiabilitiesPaymentsDueAbstract_f4de9d73-8e48-4bc4-8243-8f1d2932de6c" xlink:to="loc_ibcp_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFour_1492a6d2-2d17-4612-99fc-40505e5c1da8" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_7d6daa83-9af8-4a26-9077-6f938f06e804" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingLeaseLiabilitiesPaymentsDueAbstract_f4de9d73-8e48-4bc4-8243-8f1d2932de6c" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityPaymentsDue_7d6daa83-9af8-4a26-9077-6f938f06e804" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/totalLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_c5d0b079-338a-4758-9584-2a44c6437098" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingLeaseLiabilitiesPaymentsDueAbstract_f4de9d73-8e48-4bc4-8243-8f1d2932de6c" xlink:to="loc_us-gaap_LesseeOperatingLeaseLiabilityUndiscountedExcessAmount_c5d0b079-338a-4758-9584-2a44c6437098" xlink:type="arc" preferredLabel="http://www.xbrl.org/2009/role/negatedLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseLiability_e208cddc-18bc-43eb-9ec0-7bc0665d4453" xlink:href="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd#us-gaap_OperatingLeaseLiability"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_OperatingLeaseLiabilitiesPaymentsDueAbstract_f4de9d73-8e48-4bc4-8243-8f1d2932de6c" xlink:to="loc_us-gaap_OperatingLeaseLiability_e208cddc-18bc-43eb-9ec0-7bc0665d4453" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
  </link:presentationLink>
  <link:roleRef roleURI="http://independentbank.com/role/LeasesDetails_1" xlink:type="simple" xlink:href="ibcp-20230331.xsd#LeasesDetails_1"/>
  <link:presentationLink xlink:role="http://independentbank.com/role/LeasesDetails_1" xlink:type="extended"/>
</link:linkbase>
