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

<!--XBRL Document Created with Wdesk from Workiva-->
<!--Copyright 2023 Workiva-->
<!--r:b1c9d488-0e32-43fa-8faf-8038edf1917c,g:617b4d4c-c045-4b16-84e2-9a5cae2665eb-->
<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" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/all" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#all"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#hypercube-dimension"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-default"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-domain"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#domain-member"/>
  <link:roleRef roleURI="http://independentbank.com/role/ConsolidatedStatementsofFinancialCondition" xlink:type="simple" xlink:href="ibcp-20221231.xsd#ConsolidatedStatementsofFinancialCondition"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/ConsolidatedStatementsofFinancialCondition" xlink:type="extended" id="if358cbc308c848309b9b068a4c0635b0_ConsolidatedStatementsofFinancialCondition">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_7392c7ea-ca8c-4e79-acf2-05deef624dcc" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StatementLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsAbstract_7b3654b5-45ae-401f-969f-31ed96dbf871" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AssetsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_7392c7ea-ca8c-4e79-acf2-05deef624dcc" xlink:to="loc_us-gaap_AssetsAbstract_7b3654b5-45ae-401f-969f-31ed96dbf871" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndDueFromBanks_5aa17e2b-5282-44f3-9d78-62c6d8dcdef3" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CashAndDueFromBanks"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_7b3654b5-45ae-401f-969f-31ed96dbf871" xlink:to="loc_us-gaap_CashAndDueFromBanks_5aa17e2b-5282-44f3-9d78-62c6d8dcdef3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDepositsInBanks_d3bbc1cd-9cb8-4c55-8790-c4cef6f780f3" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InterestBearingDepositsInBanks"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_7b3654b5-45ae-401f-969f-31ed96dbf871" xlink:to="loc_us-gaap_InterestBearingDepositsInBanks_d3bbc1cd-9cb8-4c55-8790-c4cef6f780f3" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_5967b322-c294-4a6d-93dd-1f540c2c714c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_7b3654b5-45ae-401f-969f-31ed96dbf871" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_5967b322-c294-4a6d-93dd-1f540c2c714c" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_fae9d945-aa0f-4d18-8952-1d882a88ab3a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_7b3654b5-45ae-401f-969f-31ed96dbf871" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_fae9d945-aa0f-4d18-8952-1d882a88ab3a" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_3229f1c0-bb97-4600-ac6b-e2d7e40a0ba3" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_7b3654b5-45ae-401f-969f-31ed96dbf871" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_3229f1c0-bb97-4600-ac6b-e2d7e40a0ba3" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock_6250797c-a38c-4502-8e88-7e2a296a641a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_7b3654b5-45ae-401f-969f-31ed96dbf871" xlink:to="loc_us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock_6250797c-a38c-4502-8e88-7e2a296a641a" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_608ea625-5092-4ad9-98cf-d2a1a24c05f0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_7b3654b5-45ae-401f-969f-31ed96dbf871" xlink:to="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_608ea625-5092-4ad9-98cf-d2a1a24c05f0" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_LoansHeldForSaleCarriedAtTheLowerOfCostOrFairValue_bc2e79ca-98b3-4265-98d2-e9a0b6f3d093" xlink:href="ibcp-20221231.xsd#ibcp_LoansHeldForSaleCarriedAtTheLowerOfCostOrFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_7b3654b5-45ae-401f-969f-31ed96dbf871" xlink:to="loc_ibcp_LoansHeldForSaleCarriedAtTheLowerOfCostOrFairValue_bc2e79ca-98b3-4265-98d2-e9a0b6f3d093" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableNetAbstract_84e742c7-2d8e-420c-b217-eb572ef7856c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NotesReceivableNetAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_7b3654b5-45ae-401f-969f-31ed96dbf871" xlink:to="loc_us-gaap_NotesReceivableNetAbstract_84e742c7-2d8e-420c-b217-eb572ef7856c" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableGross_f3c07de6-fd40-4e7b-9718-4e57d142a1e4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NotesReceivableGross"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NotesReceivableNetAbstract_84e742c7-2d8e-420c-b217-eb572ef7856c" xlink:to="loc_us-gaap_NotesReceivableGross_f3c07de6-fd40-4e7b-9718-4e57d142a1e4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_928f8d76-e7ec-4c3e-8ac1-b03ed4b7daf4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NotesReceivableNetAbstract_84e742c7-2d8e-420c-b217-eb572ef7856c" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_928f8d76-e7ec-4c3e-8ac1-b03ed4b7daf4" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableNet_f639cd52-de39-4358-8ac5-67e8bb4f8bfe" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NotesReceivableNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NotesReceivableNetAbstract_84e742c7-2d8e-420c-b217-eb572ef7856c" xlink:to="loc_us-gaap_NotesReceivableNet_f639cd52-de39-4358-8ac5-67e8bb4f8bfe" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ForeclosedAssets_4f47c099-ee73-4138-8a82-34b8bdbfaeac" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ForeclosedAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_7b3654b5-45ae-401f-969f-31ed96dbf871" xlink:to="loc_us-gaap_ForeclosedAssets_4f47c099-ee73-4138-8a82-34b8bdbfaeac" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_3c9b0fc5-847d-4a0b-bebb-fed0bbd05702" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_7b3654b5-45ae-401f-969f-31ed96dbf871" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet_3c9b0fc5-847d-4a0b-bebb-fed0bbd05702" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankOwnedLifeInsurance_0a18ade9-b64b-460a-95ab-5343589c3c36" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_BankOwnedLifeInsurance"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_7b3654b5-45ae-401f-969f-31ed96dbf871" xlink:to="loc_us-gaap_BankOwnedLifeInsurance_0a18ade9-b64b-460a-95ab-5343589c3c36" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_e5e8cc7d-b077-4dac-88dc-a7bae709cd8d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_7b3654b5-45ae-401f-969f-31ed96dbf871" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmount_e5e8cc7d-b077-4dac-88dc-a7bae709cd8d" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_b6fd5af7-8c48-4cad-b459-43672cc86e32" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_7b3654b5-45ae-401f-969f-31ed96dbf871" xlink:to="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_b6fd5af7-8c48-4cad-b459-43672cc86e32" xlink:type="arc" order="14"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_27bda5b1-7512-41b0-aaba-a854dc46a1c4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_Goodwill"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_7b3654b5-45ae-401f-969f-31ed96dbf871" xlink:to="loc_us-gaap_Goodwill_27bda5b1-7512-41b0-aaba-a854dc46a1c4" xlink:type="arc" order="15"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_d0c48fe2-b691-4d14-a30b-31d34f447781" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_7b3654b5-45ae-401f-969f-31ed96dbf871" xlink:to="loc_us-gaap_OtherAssets_d0c48fe2-b691-4d14-a30b-31d34f447781" xlink:type="arc" order="16"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_f8cadbb3-151e-436b-b9e1-7f89721ef53d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_Assets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_7b3654b5-45ae-401f-969f-31ed96dbf871" xlink:to="loc_us-gaap_Assets_f8cadbb3-151e-436b-b9e1-7f89721ef53d" xlink:type="arc" order="17"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_38c2c4e4-d6a7-48ac-bf47-50ce3815ec64" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_7392c7ea-ca8c-4e79-acf2-05deef624dcc" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_38c2c4e4-d6a7-48ac-bf47-50ce3815ec64" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsAbstract_118abd12-0c41-4cf5-9b01-eb2cec0810da" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DepositsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_38c2c4e4-d6a7-48ac-bf47-50ce3815ec64" xlink:to="loc_us-gaap_DepositsAbstract_118abd12-0c41-4cf5-9b01-eb2cec0810da" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestBearingDepositLiabilities_3a45ebc1-5fe2-498d-9369-eea556dc7736" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NoninterestBearingDepositLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DepositsAbstract_118abd12-0c41-4cf5-9b01-eb2cec0810da" xlink:to="loc_us-gaap_NoninterestBearingDepositLiabilities_3a45ebc1-5fe2-498d-9369-eea556dc7736" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositsSavingsDeposits_8938460d-1dca-4a00-b5f2-0e07ee2a6eab" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DepositsSavingsDeposits"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DepositsAbstract_118abd12-0c41-4cf5-9b01-eb2cec0810da" xlink:to="loc_us-gaap_DepositsSavingsDeposits_8938460d-1dca-4a00-b5f2-0e07ee2a6eab" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ReciprocalDeposits_f6bc6156-7686-4d13-97bb-fc03391606e6" xlink:href="ibcp-20221231.xsd#ibcp_ReciprocalDeposits"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DepositsAbstract_118abd12-0c41-4cf5-9b01-eb2cec0810da" xlink:to="loc_ibcp_ReciprocalDeposits_f6bc6156-7686-4d13-97bb-fc03391606e6" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDomesticDepositTimeDeposits_a8f9ccea-2a53-403b-8f09-19c5920db7df" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InterestBearingDomesticDepositTimeDeposits"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DepositsAbstract_118abd12-0c41-4cf5-9b01-eb2cec0810da" xlink:to="loc_us-gaap_InterestBearingDomesticDepositTimeDeposits_a8f9ccea-2a53-403b-8f09-19c5920db7df" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestBearingDomesticDepositBrokered_e372ec76-596b-4817-b866-c380d238f8f8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InterestBearingDomesticDepositBrokered"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DepositsAbstract_118abd12-0c41-4cf5-9b01-eb2cec0810da" xlink:to="loc_us-gaap_InterestBearingDomesticDepositBrokered_e372ec76-596b-4817-b866-c380d238f8f8" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Deposits_26f554dd-1793-47c3-861e-881449899067" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_Deposits"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DepositsAbstract_118abd12-0c41-4cf5-9b01-eb2cec0810da" xlink:to="loc_us-gaap_Deposits_26f554dd-1793-47c3-861e-881449899067" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherBorrowings_b9a4e10c-3375-4dd3-88b0-ce78fc9f7448" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherBorrowings"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_38c2c4e4-d6a7-48ac-bf47-50ce3815ec64" xlink:to="loc_us-gaap_OtherBorrowings_b9a4e10c-3375-4dd3-88b0-ce78fc9f7448" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubordinatedDebt_90bab858-c672-44dc-be15-d750b160c764" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_SubordinatedDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_38c2c4e4-d6a7-48ac-bf47-50ce3815ec64" xlink:to="loc_us-gaap_SubordinatedDebt_90bab858-c672-44dc-be15-d750b160c764" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_f9df0d5b-88b9-4284-a046-f757174a0272" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_38c2c4e4-d6a7-48ac-bf47-50ce3815ec64" xlink:to="loc_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_f9df0d5b-88b9-4284-a046-f757174a0272" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilities_cf38df64-ef7f-44e6-9f52-3e15496a887a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_38c2c4e4-d6a7-48ac-bf47-50ce3815ec64" xlink:to="loc_us-gaap_OtherLiabilities_cf38df64-ef7f-44e6-9f52-3e15496a887a" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_b9f31aa5-ee61-4044-a39e-8687d4dfec57" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_Liabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_38c2c4e4-d6a7-48ac-bf47-50ce3815ec64" xlink:to="loc_us-gaap_Liabilities_b9f31aa5-ee61-4044-a39e-8687d4dfec57" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingencies_9f9684ed-8a55-4081-bd9a-19511642787e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommitmentsAndContingencies"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_38c2c4e4-d6a7-48ac-bf47-50ce3815ec64" xlink:to="loc_us-gaap_CommitmentsAndContingencies_9f9684ed-8a55-4081-bd9a-19511642787e" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityAbstract_a6ff4015-6d48-415a-991f-851c0f8c59b7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StockholdersEquityAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_38c2c4e4-d6a7-48ac-bf47-50ce3815ec64" xlink:to="loc_us-gaap_StockholdersEquityAbstract_a6ff4015-6d48-415a-991f-851c0f8c59b7" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValue_4314d7ef-2707-4855-a508-46a34f4bfb0c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PreferredStockValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StockholdersEquityAbstract_a6ff4015-6d48-415a-991f-851c0f8c59b7" xlink:to="loc_us-gaap_PreferredStockValue_4314d7ef-2707-4855-a508-46a34f4bfb0c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_a523e7a0-64ad-4468-bff1-579d70590ad4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommonStockValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StockholdersEquityAbstract_a6ff4015-6d48-415a-991f-851c0f8c59b7" xlink:to="loc_us-gaap_CommonStockValue_a523e7a0-64ad-4468-bff1-579d70590ad4" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_ee37d122-4e63-4909-8eb1-00295d804573" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StockholdersEquityAbstract_a6ff4015-6d48-415a-991f-851c0f8c59b7" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_ee37d122-4e63-4909-8eb1-00295d804573" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_cacc7aad-4c3a-4927-a9a7-f59202e2b4f7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StockholdersEquityAbstract_a6ff4015-6d48-415a-991f-851c0f8c59b7" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_cacc7aad-4c3a-4927-a9a7-f59202e2b4f7" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_de0e3b8b-4358-4533-9bbb-37981d71b352" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StockholdersEquity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StockholdersEquityAbstract_a6ff4015-6d48-415a-991f-851c0f8c59b7" xlink:to="loc_us-gaap_StockholdersEquity_de0e3b8b-4358-4533-9bbb-37981d71b352" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_8170ad8f-d2b5-4264-b632-6d49b49815f9" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_38c2c4e4-d6a7-48ac-bf47-50ce3815ec64" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquity_8170ad8f-d2b5-4264-b632-6d49b49815f9" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_0f5f2d23-2bfa-4a21-b905-e2f7db5588ac" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StatementTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_StatementLineItems_7392c7ea-ca8c-4e79-acf2-05deef624dcc" xlink:to="loc_us-gaap_StatementTable_0f5f2d23-2bfa-4a21-b905-e2f7db5588ac" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_365f8f83-e049-4b8e-8048-b86420cd1456" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_StatementTable_0f5f2d23-2bfa-4a21-b905-e2f7db5588ac" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_365f8f83-e049-4b8e-8048-b86420cd1456" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_365f8f83-e049-4b8e-8048-b86420cd1456_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_365f8f83-e049-4b8e-8048-b86420cd1456" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_365f8f83-e049-4b8e-8048-b86420cd1456_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_32c3b61b-ae39-4968-b1c6-2d6ad287c020" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_365f8f83-e049-4b8e-8048-b86420cd1456" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_32c3b61b-ae39-4968-b1c6-2d6ad287c020" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_8e87cfec-4cd0-4f12-9fc2-87c26050b68f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_32c3b61b-ae39-4968-b1c6-2d6ad287c020" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_8e87cfec-4cd0-4f12-9fc2-87c26050b68f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_3a896020-6005-4861-9a81-c2da128febd4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_32c3b61b-ae39-4968-b1c6-2d6ad287c020" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_3a896020-6005-4861-9a81-c2da128febd4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentPortfolioSegmentMember_b912a272-a2e3-4bd4-abcb-f48f401fc486" xlink:href="ibcp-20221231.xsd#ibcp_InstallmentPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_32c3b61b-ae39-4968-b1c6-2d6ad287c020" xlink:to="loc_ibcp_InstallmentPortfolioSegmentMember_b912a272-a2e3-4bd4-abcb-f48f401fc486" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/ConsolidatedStatementsofShareholdersEquity" xlink:type="simple" xlink:href="ibcp-20221231.xsd#ConsolidatedStatementsofShareholdersEquity"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/ConsolidatedStatementsofShareholdersEquity" xlink:type="extended" id="i74aa996668ce4f89ae27943052126569_ConsolidatedStatementsofShareholdersEquity">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_de85071a-d119-4bb8-a7b6-0c5d42410c25" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StatementLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_4236c855-f51d-4b4b-ab32-690e40614304" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncreaseDecreaseInStockholdersEquityRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_de85071a-d119-4bb8-a7b6-0c5d42410c25" xlink:to="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_4236c855-f51d-4b4b-ab32-690e40614304" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_0c177781-2cf8-4925-8341-e6ab6356cc32" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StockholdersEquity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_4236c855-f51d-4b4b-ab32-690e40614304" xlink:to="loc_us-gaap_StockholdersEquity_0c177781-2cf8-4925-8341-e6ab6356cc32" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_b746c6d4-a049-4701-a1b4-796b08afcc9d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NetIncomeLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_4236c855-f51d-4b4b-ab32-690e40614304" xlink:to="loc_us-gaap_NetIncomeLoss_b746c6d4-a049-4701-a1b4-796b08afcc9d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsCommonStockCash_8e37087d-2a09-4cac-9ca4-80e17a8c59e9" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DividendsCommonStockCash"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_4236c855-f51d-4b4b-ab32-690e40614304" xlink:to="loc_us-gaap_DividendsCommonStockCash_8e37087d-2a09-4cac-9ca4-80e17a8c59e9" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchasedDuringPeriodValue_e0c17a4c-001f-40f0-9f8e-5c5eff51d20e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StockRepurchasedDuringPeriodValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_4236c855-f51d-4b4b-ab32-690e40614304" xlink:to="loc_us-gaap_StockRepurchasedDuringPeriodValue_e0c17a4c-001f-40f0-9f8e-5c5eff51d20e" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueNewIssues_4ffefc9f-e647-4923-a2e6-0f5fbeeb5aa1" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StockIssuedDuringPeriodValueNewIssues"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_4236c855-f51d-4b4b-ab32-690e40614304" xlink:to="loc_us-gaap_StockIssuedDuringPeriodValueNewIssues_4ffefc9f-e647-4923-a2e6-0f5fbeeb5aa1" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation_05730d06-71b4-4728-8411-d8351ffb2e75" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_4236c855-f51d-4b4b-ab32-690e40614304" xlink:to="loc_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation_05730d06-71b4-4728-8411-d8351ffb2e75" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation_9ec86b6b-e0fe-4076-8a36-293cb2467110" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_4236c855-f51d-4b4b-ab32-690e40614304" xlink:to="loc_us-gaap_AdjustmentsRelatedToTaxWithholdingForShareBasedCompensation_9ec86b6b-e0fe-4076-8a36-293cb2467110" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_5e3f28bb-d55c-482d-a296-dfcbf866bd2f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_4236c855-f51d-4b4b-ab32-690e40614304" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_5e3f28bb-d55c-482d-a296-dfcbf866bd2f" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_69848708-309d-4042-be95-c4edd1e70ce4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_5a515b91-ca03-4434-98b8-87feae56d774" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StatementTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_StatementLineItems_de85071a-d119-4bb8-a7b6-0c5d42410c25" xlink:to="loc_us-gaap_StatementTable_5a515b91-ca03-4434-98b8-87feae56d774" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CumulativeEffectPeriodOfAdoptionAxis_2cabe7d3-56a9-4aa9-9fe9-bee41696f2bd" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_CumulativeEffectPeriodOfAdoptionAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_StatementTable_5a515b91-ca03-4434-98b8-87feae56d774" xlink:to="loc_srt_CumulativeEffectPeriodOfAdoptionAxis_2cabe7d3-56a9-4aa9-9fe9-bee41696f2bd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CumulativeEffectPeriodOfAdoptionDomain_2cabe7d3-56a9-4aa9-9fe9-bee41696f2bd_default" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_CumulativeEffectPeriodOfAdoptionDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_CumulativeEffectPeriodOfAdoptionAxis_2cabe7d3-56a9-4aa9-9fe9-bee41696f2bd" xlink:to="loc_srt_CumulativeEffectPeriodOfAdoptionDomain_2cabe7d3-56a9-4aa9-9fe9-bee41696f2bd_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CumulativeEffectPeriodOfAdoptionDomain_c9132292-f6fe-4c4e-be0a-28bc6e77d71e" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_CumulativeEffectPeriodOfAdoptionDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_CumulativeEffectPeriodOfAdoptionAxis_2cabe7d3-56a9-4aa9-9fe9-bee41696f2bd" xlink:to="loc_srt_CumulativeEffectPeriodOfAdoptionDomain_c9132292-f6fe-4c4e-be0a-28bc6e77d71e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember_c5be648c-9121-4827-b603-584c6ee08e5b" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CumulativeEffectPeriodOfAdoptionDomain_c9132292-f6fe-4c4e-be0a-28bc6e77d71e" xlink:to="loc_srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember_c5be648c-9121-4827-b603-584c6ee08e5b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember_d5900c2b-a3f0-4db4-b645-6f10ab1e271b" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CumulativeEffectPeriodOfAdoptionDomain_c9132292-f6fe-4c4e-be0a-28bc6e77d71e" xlink:to="loc_srt_CumulativeEffectPeriodOfAdoptionAdjustedBalanceMember_d5900c2b-a3f0-4db4-b645-6f10ab1e271b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_031c4115-bb38-42ec-862d-eef67380c055" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_StatementTable_5a515b91-ca03-4434-98b8-87feae56d774" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_031c4115-bb38-42ec-862d-eef67380c055" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_031c4115-bb38-42ec-862d-eef67380c055_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_031c4115-bb38-42ec-862d-eef67380c055" xlink:to="loc_us-gaap_EquityComponentDomain_031c4115-bb38-42ec-862d-eef67380c055_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_967a902a-7b51-4588-a229-e1df5ae30b68" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_031c4115-bb38-42ec-862d-eef67380c055" xlink:to="loc_us-gaap_EquityComponentDomain_967a902a-7b51-4588-a229-e1df5ae30b68" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_795d6190-e5cc-42c8-8a19-00898bed38dc" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommonStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_967a902a-7b51-4588-a229-e1df5ae30b68" xlink:to="loc_us-gaap_CommonStockMember_795d6190-e5cc-42c8-8a19-00898bed38dc" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsMember_a45cbd07-1601-43c9-994f-afa9254d3438" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_RetainedEarningsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_967a902a-7b51-4588-a229-e1df5ae30b68" xlink:to="loc_us-gaap_RetainedEarningsMember_a45cbd07-1601-43c9-994f-afa9254d3438" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_1dc9e4cb-59a8-41c9-ba3e-c9c264ce55fd" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_967a902a-7b51-4588-a229-e1df5ae30b68" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_1dc9e4cb-59a8-41c9-ba3e-c9c264ce55fd" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/AccountingPoliciesSecuritiesDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#AccountingPoliciesSecuritiesDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/AccountingPoliciesSecuritiesDetails" xlink:type="extended" id="i33a20f022ab847fa99fee57fe534dbbe_AccountingPoliciesSecuritiesDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_e0ccc201-6097-4def-a219-4be95117611d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_7a60c4c0-e5ff-4477-8c23-856457327f29" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_e0ccc201-6097-4def-a219-4be95117611d" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_7a60c4c0-e5ff-4477-8c23-856457327f29" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_6adb908e-e012-4e85-ab18-4e70229f0bad" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfHeldToMaturitySecuritiesTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_e0ccc201-6097-4def-a219-4be95117611d" xlink:to="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_6adb908e-e012-4e85-ab18-4e70229f0bad" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_e05cfa8f-127b-4025-bf28-c095d936a62f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_6adb908e-e012-4e85-ab18-4e70229f0bad" xlink:to="loc_us-gaap_FinancialInstrumentAxis_e05cfa8f-127b-4025-bf28-c095d936a62f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_e05cfa8f-127b-4025-bf28-c095d936a62f_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_e05cfa8f-127b-4025-bf28-c095d936a62f" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_e05cfa8f-127b-4025-bf28-c095d936a62f_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_725199de-517b-487e-b087-b32c680f1a33" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_e05cfa8f-127b-4025-bf28-c095d936a62f" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_725199de-517b-487e-b087-b32c680f1a33" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember_b8d8630d-a199-407f-a93b-e3d8d067eee4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_725199de-517b-487e-b087-b32c680f1a33" xlink:to="loc_us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember_b8d8630d-a199-407f-a93b-e3d8d067eee4" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_9aa6562d-ca0f-4741-aaa6-42298c627617" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommercialMortgageBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_725199de-517b-487e-b087-b32c680f1a33" xlink:to="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_9aa6562d-ca0f-4741-aaa6-42298c627617" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_42754c86-87ad-4029-bd1f-dc0d46a74289" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_725199de-517b-487e-b087-b32c680f1a33" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_42754c86-87ad-4029-bd1f-dc0d46a74289" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/AccountingPoliciesPropertyandEquipmentDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#AccountingPoliciesPropertyandEquipmentDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/AccountingPoliciesPropertyandEquipmentDetails" xlink:type="extended" id="ia965d99c7ffc466f95a1a9f45a599431_AccountingPoliciesPropertyandEquipmentDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentLineItems_b049e45d-62bf-498d-808b-ee907bff7195" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PropertyPlantAndEquipmentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_PropertyPlantAndEquipmentUsefulLifeAbstract_f4c4ffb3-7eca-4cbf-b850-ea56b9c9f029" xlink:href="ibcp-20221231.xsd#ibcp_PropertyPlantAndEquipmentUsefulLifeAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentLineItems_b049e45d-62bf-498d-808b-ee907bff7195" xlink:to="loc_ibcp_PropertyPlantAndEquipmentUsefulLifeAbstract_f4c4ffb3-7eca-4cbf-b850-ea56b9c9f029" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentUsefulLife_8bcafe14-f02a-4591-868a-0433b61e9dd3" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PropertyPlantAndEquipmentUsefulLife"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_PropertyPlantAndEquipmentUsefulLifeAbstract_f4c4ffb3-7eca-4cbf-b850-ea56b9c9f029" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentUsefulLife_8bcafe14-f02a-4591-868a-0433b61e9dd3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_5ead066c-5e8c-4e55-ba8c-c6845ce8558e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfPropertyPlantAndEquipmentTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentLineItems_b049e45d-62bf-498d-808b-ee907bff7195" xlink:to="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_5ead066c-5e8c-4e55-ba8c-c6845ce8558e" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_1a0b143f-1ca5-4a9e-b49f-b5fab6abf793" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_5ead066c-5e8c-4e55-ba8c-c6845ce8558e" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_1a0b143f-1ca5-4a9e-b49f-b5fab6abf793" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_1a0b143f-1ca5-4a9e-b49f-b5fab6abf793_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_1a0b143f-1ca5-4a9e-b49f-b5fab6abf793" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_1a0b143f-1ca5-4a9e-b49f-b5fab6abf793_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_7311b184-44b1-46fb-b855-9b8d08a48c34" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_1a0b143f-1ca5-4a9e-b49f-b5fab6abf793" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_7311b184-44b1-46fb-b855-9b8d08a48c34" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BuildingMember_12dcddb1-aaab-41ba-a578-dcffec3eeef2" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_BuildingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_7311b184-44b1-46fb-b855-9b8d08a48c34" xlink:to="loc_us-gaap_BuildingMember_12dcddb1-aaab-41ba-a578-dcffec3eeef2" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquipmentMember_23dbf044-1329-4e39-ae4c-0cf8b3addbc7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_EquipmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_7311b184-44b1-46fb-b855-9b8d08a48c34" xlink:to="loc_us-gaap_EquipmentMember_23dbf044-1329-4e39-ae4c-0cf8b3addbc7" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_36544b50-d55c-4aa5-84e4-fea51a945877" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_RangeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_5ead066c-5e8c-4e55-ba8c-c6845ce8558e" xlink:to="loc_srt_RangeAxis_36544b50-d55c-4aa5-84e4-fea51a945877" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_36544b50-d55c-4aa5-84e4-fea51a945877_default" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_RangeAxis_36544b50-d55c-4aa5-84e4-fea51a945877" xlink:to="loc_srt_RangeMember_36544b50-d55c-4aa5-84e4-fea51a945877_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_9723f571-2a52-4222-b9b3-f3e007ffb5d8" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_RangeAxis_36544b50-d55c-4aa5-84e4-fea51a945877" xlink:to="loc_srt_RangeMember_9723f571-2a52-4222-b9b3-f3e007ffb5d8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_886b87ff-f6b5-4a7a-a895-fa56126ab911" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_MaximumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_9723f571-2a52-4222-b9b3-f3e007ffb5d8" xlink:to="loc_srt_MaximumMember_886b87ff-f6b5-4a7a-a895-fa56126ab911" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/AccountingPoliciesOtherIntangiblesDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#AccountingPoliciesOtherIntangiblesDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/AccountingPoliciesOtherIntangiblesDetails" xlink:type="extended" id="i3a9c2d0eb8c9403cb8bc51e925f94cc6_AccountingPoliciesOtherIntangiblesDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_d8d3c67b-b814-42f3-bbae-fe6aed437f29" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FiniteLivedIntangibleAssetsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FiniteLivedIntangibleAssetUsefulLifeAbstract_a20c6073-eb91-4986-834b-ddd90c4cb856" xlink:href="ibcp-20221231.xsd#ibcp_FiniteLivedIntangibleAssetUsefulLifeAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_d8d3c67b-b814-42f3-bbae-fe6aed437f29" xlink:to="loc_ibcp_FiniteLivedIntangibleAssetUsefulLifeAbstract_a20c6073-eb91-4986-834b-ddd90c4cb856" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetUsefulLife_097a5b30-bfc0-4e4e-a2e9-21f51cf5cb97" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FiniteLivedIntangibleAssetUsefulLife"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_FiniteLivedIntangibleAssetUsefulLifeAbstract_a20c6073-eb91-4986-834b-ddd90c4cb856" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetUsefulLife_097a5b30-bfc0-4e4e-a2e9-21f51cf5cb97" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_ec20ce56-7ec6-4d89-9b0e-c526e8aa3a32" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems_d8d3c67b-b814-42f3-bbae-fe6aed437f29" xlink:to="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_ec20ce56-7ec6-4d89-9b0e-c526e8aa3a32" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_d49a151e-9973-4798-bcbd-7b8aea07cf99" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_RangeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_ec20ce56-7ec6-4d89-9b0e-c526e8aa3a32" xlink:to="loc_srt_RangeAxis_d49a151e-9973-4798-bcbd-7b8aea07cf99" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_d49a151e-9973-4798-bcbd-7b8aea07cf99_default" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_RangeAxis_d49a151e-9973-4798-bcbd-7b8aea07cf99" xlink:to="loc_srt_RangeMember_d49a151e-9973-4798-bcbd-7b8aea07cf99_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_a0a7e17f-ab18-46e2-ae72-ac2a9558ceb0" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_RangeAxis_d49a151e-9973-4798-bcbd-7b8aea07cf99" xlink:to="loc_srt_RangeMember_a0a7e17f-ab18-46e2-ae72-ac2a9558ceb0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_57568e42-9d16-4405-b5dc-e81a5ee5af08" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_MinimumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_a0a7e17f-ab18-46e2-ae72-ac2a9558ceb0" xlink:to="loc_srt_MinimumMember_57568e42-9d16-4405-b5dc-e81a5ee5af08" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_fb3b480b-8c02-4d4c-b194-92b9f59694c1" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_MaximumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_a0a7e17f-ab18-46e2-ae72-ac2a9558ceb0" xlink:to="loc_srt_MaximumMember_fb3b480b-8c02-4d4c-b194-92b9f59694c1" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/AccountingPoliciesCommonStockDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#AccountingPoliciesCommonStockDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/AccountingPoliciesCommonStockDetails" xlink:type="extended" id="if90ba91a57be4f2680650c449fe8e7ec_AccountingPoliciesCommonStockDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockLineItems_c507243b-93e3-4aff-88d7-6b5435965560" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ClassOfStockLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ReservedForFutureIssuanceAbstract_f9519d41-f829-4059-bee6-9abbb06bf378" xlink:href="ibcp-20221231.xsd#ibcp_ReservedForFutureIssuanceAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_c507243b-93e3-4aff-88d7-6b5435965560" xlink:to="loc_ibcp_ReservedForFutureIssuanceAbstract_f9519d41-f829-4059-bee6-9abbb06bf378" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockCapitalSharesReservedForFutureIssuance_f0e983d9-89d6-4ddd-b301-782d1372552d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommonStockCapitalSharesReservedForFutureIssuance"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_ReservedForFutureIssuanceAbstract_f9519d41-f829-4059-bee6-9abbb06bf378" xlink:to="loc_us-gaap_CommonStockCapitalSharesReservedForFutureIssuance_f0e983d9-89d6-4ddd-b301-782d1372552d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfStockByClassTable_dcb039dc-31d0-462b-bc2b-60a1b9d9af4f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfStockByClassTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ClassOfStockLineItems_c507243b-93e3-4aff-88d7-6b5435965560" xlink:to="loc_us-gaap_ScheduleOfStockByClassTable_dcb039dc-31d0-462b-bc2b-60a1b9d9af4f" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanNameAxis_901ad48a-d7f2-47a6-a66d-8e16c3beb894" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PlanNameAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_dcb039dc-31d0-462b-bc2b-60a1b9d9af4f" xlink:to="loc_us-gaap_PlanNameAxis_901ad48a-d7f2-47a6-a66d-8e16c3beb894" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanNameDomain_901ad48a-d7f2-47a6-a66d-8e16c3beb894_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_PlanNameAxis_901ad48a-d7f2-47a6-a66d-8e16c3beb894" xlink:to="loc_us-gaap_PlanNameDomain_901ad48a-d7f2-47a6-a66d-8e16c3beb894_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanNameDomain_1013e79a-2aa6-48e5-88bb-7d232fd0b283" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_PlanNameAxis_901ad48a-d7f2-47a6-a66d-8e16c3beb894" xlink:to="loc_us-gaap_PlanNameDomain_1013e79a-2aa6-48e5-88bb-7d232fd0b283" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DividendReinvestmentPlanMember_e1dafc4b-85ae-4929-84f1-6a3cdcdfec91" xlink:href="ibcp-20221231.xsd#ibcp_DividendReinvestmentPlanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PlanNameDomain_1013e79a-2aa6-48e5-88bb-7d232fd0b283" xlink:to="loc_ibcp_DividendReinvestmentPlanMember_e1dafc4b-85ae-4929-84f1-6a3cdcdfec91" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_LongTermIncentivePlansMember_d33b922b-add1-4697-93dc-e932ac38cae1" xlink:href="ibcp-20221231.xsd#ibcp_LongTermIncentivePlansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PlanNameDomain_1013e79a-2aa6-48e5-88bb-7d232fd0b283" xlink:to="loc_ibcp_LongTermIncentivePlansMember_d33b922b-add1-4697-93dc-e932ac38cae1" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/SecuritiesAvailableforSaleDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#SecuritiesAvailableforSaleDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/SecuritiesAvailableforSaleDetails" xlink:type="extended" id="ic7233a80fe1747a5aab75010d35af430_SecuritiesAvailableforSaleDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_dff41f2c-bc7c-4e50-9abc-f8413bb55ed5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesAbstract_f2eb1a64-29a6-432b-8f89-712c79b1dca6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_dff41f2c-bc7c-4e50-9abc-f8413bb55ed5" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesAbstract_f2eb1a64-29a6-432b-8f89-712c79b1dca6" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_d450191a-70dd-40ed-babc-0bcb3de9309f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_f2eb1a64-29a6-432b-8f89-712c79b1dca6" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_d450191a-70dd-40ed-babc-0bcb3de9309f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_0dbccb99-52ef-4132-af7a-d3b0419c45e0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_f2eb1a64-29a6-432b-8f89-712c79b1dca6" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_0dbccb99-52ef-4132-af7a-d3b0419c45e0" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_a447e4ec-784f-4b89-a48c-ca131555983b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_f2eb1a64-29a6-432b-8f89-712c79b1dca6" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_a447e4ec-784f-4b89-a48c-ca131555983b" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_abbae9bf-4f4d-4d60-bbad-9da9f85af9ad" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_f2eb1a64-29a6-432b-8f89-712c79b1dca6" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_abbae9bf-4f4d-4d60-bbad-9da9f85af9ad" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_7658b8d4-34bb-45e5-87b0-eade90e2f3e8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_dff41f2c-bc7c-4e50-9abc-f8413bb55ed5" xlink:to="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_7658b8d4-34bb-45e5-87b0-eade90e2f3e8" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_ec82cb08-e376-481a-85f2-21f68b766b5d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_7658b8d4-34bb-45e5-87b0-eade90e2f3e8" xlink:to="loc_us-gaap_FinancialInstrumentAxis_ec82cb08-e376-481a-85f2-21f68b766b5d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_ec82cb08-e376-481a-85f2-21f68b766b5d_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_ec82cb08-e376-481a-85f2-21f68b766b5d" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_ec82cb08-e376-481a-85f2-21f68b766b5d_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_df7f99e4-169e-4f00-83ca-154c8f83c13a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_ec82cb08-e376-481a-85f2-21f68b766b5d" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_df7f99e4-169e-4f00-83ca-154c8f83c13a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember_bb54351e-230c-4362-821d-229bf427f176" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_df7f99e4-169e-4f00-83ca-154c8f83c13a" xlink:to="loc_us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember_bb54351e-230c-4362-821d-229bf427f176" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_e6b62a9c-8863-4a62-8432-13e295a5c8c6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_df7f99e4-169e-4f00-83ca-154c8f83c13a" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_e6b62a9c-8863-4a62-8432-13e295a5c8c6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_9a28be97-920e-436b-95f3-20e729c68a5f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommercialMortgageBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_df7f99e4-169e-4f00-83ca-154c8f83c13a" xlink:to="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_9a28be97-920e-436b-95f3-20e729c68a5f" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_7cce2aab-6f66-42a1-b2a4-57ec232d932b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_df7f99e4-169e-4f00-83ca-154c8f83c13a" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_7cce2aab-6f66-42a1-b2a4-57ec232d932b" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_e0ec3548-30cb-4d97-9340-f6f37698fb2f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AssetBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_df7f99e4-169e-4f00-83ca-154c8f83c13a" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_e0ec3548-30cb-4d97-9340-f6f37698fb2f" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_a7db724e-9a35-4270-aa4f-8e135e93ef2d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_df7f99e4-169e-4f00-83ca-154c8f83c13a" xlink:to="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_a7db724e-9a35-4270-aa4f-8e135e93ef2d" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_21008827-72f6-4b1a-9210-d51240314f11" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CorporateDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_df7f99e4-169e-4f00-83ca-154c8f83c13a" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_21008827-72f6-4b1a-9210-d51240314f11" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember_4dd6d8c7-fb86-4d8b-a9c3-884351c66ced" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_df7f99e4-169e-4f00-83ca-154c8f83c13a" xlink:to="loc_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember_4dd6d8c7-fb86-4d8b-a9c3-884351c66ced" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ForeignGovernmentDebtSecuritiesMember_6f057bc4-455c-418e-9579-1c2e6fbf5685" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ForeignGovernmentDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_df7f99e4-169e-4f00-83ca-154c8f83c13a" xlink:to="loc_us-gaap_ForeignGovernmentDebtSecuritiesMember_6f057bc4-455c-418e-9579-1c2e6fbf5685" xlink:type="arc" order="8"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/SecuritiesHeldtoMaturityDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#SecuritiesHeldtoMaturityDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/SecuritiesHeldtoMaturityDetails" xlink:type="extended" id="i41d196fbb27d432489d155a2f89af958_SecuritiesHeldtoMaturityDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_034d87e1-62fa-48e1-beea-2936c0b87f92" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_19a8e5a6-34cd-4d05-b31e-02355caeaec6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecuritiesClassifiedAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_034d87e1-62fa-48e1-beea-2936c0b87f92" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_19a8e5a6-34cd-4d05-b31e-02355caeaec6" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_ec793928-cae9-40c2-93b9-f434f5193fd0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_19a8e5a6-34cd-4d05-b31e-02355caeaec6" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_ec793928-cae9-40c2-93b9-f434f5193fd0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DebtSecuritiesHeldToMaturityTransferUnrealizedLoss_0385b8d1-239d-4674-b19f-b9f6f482815f" xlink:href="ibcp-20221231.xsd#ibcp_DebtSecuritiesHeldToMaturityTransferUnrealizedLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_19a8e5a6-34cd-4d05-b31e-02355caeaec6" xlink:to="loc_ibcp_DebtSecuritiesHeldToMaturityTransferUnrealizedLoss_0385b8d1-239d-4674-b19f-b9f6f482815f" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_69de1a1a-82f8-4927-b2b3-c244b996f864" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_19a8e5a6-34cd-4d05-b31e-02355caeaec6" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_69de1a1a-82f8-4927-b2b3-c244b996f864" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_5558d356-b576-4aa8-8708-f9fcd1aa25a9" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_19a8e5a6-34cd-4d05-b31e-02355caeaec6" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_5558d356-b576-4aa8-8708-f9fcd1aa25a9" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_126558ba-562f-4b7a-9a61-f4d5654de72b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_19a8e5a6-34cd-4d05-b31e-02355caeaec6" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_126558ba-562f-4b7a-9a61-f4d5654de72b" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_b847182d-0851-401d-8e52-85b1271abd76" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_19a8e5a6-34cd-4d05-b31e-02355caeaec6" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_b847182d-0851-401d-8e52-85b1271abd76" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_5fe25d2b-cdb8-45d9-a7bc-c339c5e5712e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecuritiesFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesClassifiedAbstract_19a8e5a6-34cd-4d05-b31e-02355caeaec6" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesFairValue_5fe25d2b-cdb8-45d9-a7bc-c339c5e5712e" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_bb76e869-29df-4b77-8107-d5672b1bed85" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfHeldToMaturitySecuritiesTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_034d87e1-62fa-48e1-beea-2936c0b87f92" xlink:to="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_bb76e869-29df-4b77-8107-d5672b1bed85" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_cc66aa41-f624-45e6-b9f4-fe1ffb15f7ae" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_bb76e869-29df-4b77-8107-d5672b1bed85" xlink:to="loc_us-gaap_FinancialInstrumentAxis_cc66aa41-f624-45e6-b9f4-fe1ffb15f7ae" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_cc66aa41-f624-45e6-b9f4-fe1ffb15f7ae_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_cc66aa41-f624-45e6-b9f4-fe1ffb15f7ae" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_cc66aa41-f624-45e6-b9f4-fe1ffb15f7ae_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_2d8cfa94-033c-4eb9-a07f-3ba9d203924e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_cc66aa41-f624-45e6-b9f4-fe1ffb15f7ae" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_2d8cfa94-033c-4eb9-a07f-3ba9d203924e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember_9da765e1-5189-4b95-888d-58446350ade0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_2d8cfa94-033c-4eb9-a07f-3ba9d203924e" xlink:to="loc_us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember_9da765e1-5189-4b95-888d-58446350ade0" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_0d3e52b7-bbad-43f4-bae3-2be720265fed" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_2d8cfa94-033c-4eb9-a07f-3ba9d203924e" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_0d3e52b7-bbad-43f4-bae3-2be720265fed" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_3dbadc1c-78a7-4b17-93c3-ed61a59161ad" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommercialMortgageBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_2d8cfa94-033c-4eb9-a07f-3ba9d203924e" xlink:to="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_3dbadc1c-78a7-4b17-93c3-ed61a59161ad" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_c7985c3e-3072-477e-b841-88caef9f7d9c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_2d8cfa94-033c-4eb9-a07f-3ba9d203924e" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_c7985c3e-3072-477e-b841-88caef9f7d9c" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_fc675bec-d864-49dd-a522-28f3eeb70f8c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_2d8cfa94-033c-4eb9-a07f-3ba9d203924e" xlink:to="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_fc675bec-d864-49dd-a522-28f3eeb70f8c" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_92c7f0f2-cf22-4ba9-9799-6a1c4bb4857c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CorporateDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_2d8cfa94-033c-4eb9-a07f-3ba9d203924e" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_92c7f0f2-cf22-4ba9-9799-6a1c4bb4857c" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember_8366d797-e73e-45a0-9f99-719aca126bab" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_2d8cfa94-033c-4eb9-a07f-3ba9d203924e" xlink:to="loc_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember_8366d797-e73e-45a0-9f99-719aca126bab" xlink:type="arc" order="6"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/SecuritiesNarrativeDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#SecuritiesNarrativeDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/SecuritiesNarrativeDetails" xlink:type="extended" id="i275ee947589d4d3690b551db44da39b8_SecuritiesNarrativeDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_35c0c655-abbd-4a6d-a312-df57849290f2" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DebtSecuritiesAvailableForSaleTransferredToHeldToMaturityAmortizedCostBasis_821e7ab9-92e4-4699-a450-3afdb7b54cfc" xlink:href="ibcp-20221231.xsd#ibcp_DebtSecuritiesAvailableForSaleTransferredToHeldToMaturityAmortizedCostBasis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_35c0c655-abbd-4a6d-a312-df57849290f2" xlink:to="loc_ibcp_DebtSecuritiesAvailableForSaleTransferredToHeldToMaturityAmortizedCostBasis_821e7ab9-92e4-4699-a450-3afdb7b54cfc" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DebtSecuritiesAvailableForSaleTransferredToHeldToMaturityUnrealizedLossPosition_1b3b8619-22d1-48c1-81e2-870d88522cb4" xlink:href="ibcp-20221231.xsd#ibcp_DebtSecuritiesAvailableForSaleTransferredToHeldToMaturityUnrealizedLossPosition"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_35c0c655-abbd-4a6d-a312-df57849290f2" xlink:to="loc_ibcp_DebtSecuritiesAvailableForSaleTransferredToHeldToMaturityUnrealizedLossPosition_1b3b8619-22d1-48c1-81e2-870d88522cb4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest_5232b3e2-241b-4c80-98c8-532002118491" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_35c0c655-abbd-4a6d-a312-df57849290f2" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest_5232b3e2-241b-4c80-98c8-532002118491" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss_1c8814b8-d217-4366-8963-6d0e7b5702a4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_35c0c655-abbd-4a6d-a312-df57849290f2" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss_1c8814b8-d217-4366-8963-6d0e7b5702a4" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList_2d204156-d5b1-4533-bf7c-d6775ebe80b7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_35c0c655-abbd-4a6d-a312-df57849290f2" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList_2d204156-d5b1-4533-bf7c-d6775ebe80b7" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_0830078c-3890-46e8-8309-a3f31f34bb23" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_35c0c655-abbd-4a6d-a312-df57849290f2" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions_0830078c-3890-46e8-8309-a3f31f34bb23" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_1e93117a-2463-4345-81c0-52f889393cc0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_35c0c655-abbd-4a6d-a312-df57849290f2" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_1e93117a-2463-4345-81c0-52f889393cc0" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_cc0b7368-2e1b-4536-aef6-b9bd38ab9e0f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_1e93117a-2463-4345-81c0-52f889393cc0" xlink:to="loc_us-gaap_FinancialInstrumentAxis_cc0b7368-2e1b-4536-aef6-b9bd38ab9e0f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_cc0b7368-2e1b-4536-aef6-b9bd38ab9e0f_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_cc0b7368-2e1b-4536-aef6-b9bd38ab9e0f" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_cc0b7368-2e1b-4536-aef6-b9bd38ab9e0f_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_d31de743-14f0-4888-84b1-e443c30dbbca" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_cc0b7368-2e1b-4536-aef6-b9bd38ab9e0f" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_d31de743-14f0-4888-84b1-e443c30dbbca" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember_ba3a9d16-0028-472a-bfe3-e0043ffa1ec9" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_d31de743-14f0-4888-84b1-e443c30dbbca" xlink:to="loc_us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember_ba3a9d16-0028-472a-bfe3-e0043ffa1ec9" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_ff91664f-36a4-421f-9840-f99b2ab2a753" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_d31de743-14f0-4888-84b1-e443c30dbbca" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_ff91664f-36a4-421f-9840-f99b2ab2a753" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_ea6ce215-ded3-452c-9a54-788ecce6e83f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommercialMortgageBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_d31de743-14f0-4888-84b1-e443c30dbbca" xlink:to="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_ea6ce215-ded3-452c-9a54-788ecce6e83f" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_a033c6e2-9c33-431f-a7c5-3a5d9491af9c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_d31de743-14f0-4888-84b1-e443c30dbbca" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_a033c6e2-9c33-431f-a7c5-3a5d9491af9c" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_daadad46-dd5a-469e-8a3a-5f8aa0fb0a9f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AssetBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_d31de743-14f0-4888-84b1-e443c30dbbca" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_daadad46-dd5a-469e-8a3a-5f8aa0fb0a9f" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_29662114-d3ed-4e92-a952-8d06704dc1ec" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CorporateDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_d31de743-14f0-4888-84b1-e443c30dbbca" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_29662114-d3ed-4e92-a952-8d06704dc1ec" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_5ecf61c0-0a53-4480-956c-742f21a32632" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_d31de743-14f0-4888-84b1-e443c30dbbca" xlink:to="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_5ecf61c0-0a53-4480-956c-742f21a32632" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember_620be250-b941-489a-9d11-24dda77f4447" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_d31de743-14f0-4888-84b1-e443c30dbbca" xlink:to="loc_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember_620be250-b941-489a-9d11-24dda77f4447" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_a885372b-bcb2-474d-a7d3-c9a3cb28c3be" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLoss_cc96e9d1-6f1f-4efc-8abc-4920f0d0a9b3" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_a885372b-bcb2-474d-a7d3-c9a3cb28c3be" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLoss_cc96e9d1-6f1f-4efc-8abc-4920f0d0a9b3" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList_8867504d-2fb2-4036-8905-8d04960f5db2" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_a885372b-bcb2-474d-a7d3-c9a3cb28c3be" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAccruedInterestAfterAllowanceForCreditLossStatementOfFinancialPositionExtensibleList_8867504d-2fb2-4036-8905-8d04960f5db2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_056da311-a02e-4d9d-a4ec-87cd4143cd4d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_a885372b-bcb2-474d-a7d3-c9a3cb28c3be" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_056da311-a02e-4d9d-a4ec-87cd4143cd4d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_4686e151-b4d2-42a5-b39a-aac6f2b2e5be" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfHeldToMaturitySecuritiesTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_a885372b-bcb2-474d-a7d3-c9a3cb28c3be" xlink:to="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_4686e151-b4d2-42a5-b39a-aac6f2b2e5be" xlink:type="arc" order="2" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_86deb411-5c4f-466b-9756-254b08aad924" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_4686e151-b4d2-42a5-b39a-aac6f2b2e5be" xlink:to="loc_us-gaap_FinancialInstrumentAxis_86deb411-5c4f-466b-9756-254b08aad924" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_86deb411-5c4f-466b-9756-254b08aad924_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6156c4eb-42ec-4848-b26b-5a9432d1428d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember_22a15c26-4b0b-49bc-8707-f69fb35ec041" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_82663f74-29b9-42b2-979b-e52c2ac55e7f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_6579ae4e-5717-40d7-b61f-c9c407639033" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommercialMortgageBackedSecuritiesMember"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/SecuritiesGrossUnrealizedLossesandFairValuesbyInvestmentTypeDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#SecuritiesGrossUnrealizedLossesandFairValuesbyInvestmentTypeDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/SecuritiesGrossUnrealizedLossesandFairValuesbyInvestmentTypeDetails" xlink:type="extended" id="i0878be5ad2234c60b6d689484fe7147d_SecuritiesGrossUnrealizedLossesandFairValuesbyInvestmentTypeDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_a363d8ff-ed04-4854-81e0-03eebb4c6595" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_2b65c221-0dee-4e41-a8be-23bf3814a38f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_a363d8ff-ed04-4854-81e0-03eebb4c6595" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_2b65c221-0dee-4e41-a8be-23bf3814a38f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_9a96c7aa-911b-4240-b896-b52ba95d9b25" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_a363d8ff-ed04-4854-81e0-03eebb4c6595" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_9a96c7aa-911b-4240-b896-b52ba95d9b25" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_2fd2c164-c63e-45c0-8ded-636fb8d289d7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_a363d8ff-ed04-4854-81e0-03eebb4c6595" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_2fd2c164-c63e-45c0-8ded-636fb8d289d7" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_b3f5e23f-737d-4336-b951-5105eeff13ea" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_a363d8ff-ed04-4854-81e0-03eebb4c6595" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_b3f5e23f-737d-4336-b951-5105eeff13ea" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_e7e9b48d-2c44-4a30-a2c7-becd3b36277c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_a363d8ff-ed04-4854-81e0-03eebb4c6595" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_e7e9b48d-2c44-4a30-a2c7-becd3b36277c" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_eb32914b-1109-47ab-a58a-b3d6c78d25bf" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_a363d8ff-ed04-4854-81e0-03eebb4c6595" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_eb32914b-1109-47ab-a58a-b3d6c78d25bf" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTable_86713a85-3686-4d82-aef0-57d6645ae98f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract_a363d8ff-ed04-4854-81e0-03eebb4c6595" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTable_86713a85-3686-4d82-aef0-57d6645ae98f" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_a2771c1f-7760-49f4-948d-9d6f31b49e81" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionFairValueTable_86713a85-3686-4d82-aef0-57d6645ae98f" xlink:to="loc_us-gaap_FinancialInstrumentAxis_a2771c1f-7760-49f4-948d-9d6f31b49e81" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_a2771c1f-7760-49f4-948d-9d6f31b49e81_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_a2771c1f-7760-49f4-948d-9d6f31b49e81" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_a2771c1f-7760-49f4-948d-9d6f31b49e81_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_39decf47-5c7d-4746-8220-981e61c817e6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_a2771c1f-7760-49f4-948d-9d6f31b49e81" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_39decf47-5c7d-4746-8220-981e61c817e6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember_ee4de985-8d06-4fe4-ae74-811c895ebe2b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_39decf47-5c7d-4746-8220-981e61c817e6" xlink:to="loc_us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember_ee4de985-8d06-4fe4-ae74-811c895ebe2b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_f2d0d8ed-9e18-4d45-95d0-527ffd8cc3c8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_39decf47-5c7d-4746-8220-981e61c817e6" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_f2d0d8ed-9e18-4d45-95d0-527ffd8cc3c8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_1e38d429-c215-4939-8270-33cffe3e052f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommercialMortgageBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_39decf47-5c7d-4746-8220-981e61c817e6" xlink:to="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_1e38d429-c215-4939-8270-33cffe3e052f" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_0b1bf1da-e980-4fd9-be76-74358e4b2d47" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_39decf47-5c7d-4746-8220-981e61c817e6" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_0b1bf1da-e980-4fd9-be76-74358e4b2d47" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_e9838c71-96fb-482d-ab90-59dbbeb31bd4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AssetBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_39decf47-5c7d-4746-8220-981e61c817e6" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_e9838c71-96fb-482d-ab90-59dbbeb31bd4" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_2f5ec208-e590-4648-802b-30f4bb067c29" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_39decf47-5c7d-4746-8220-981e61c817e6" xlink:to="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_2f5ec208-e590-4648-802b-30f4bb067c29" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_e53de5a6-f48c-40f9-8dfb-56e8f45f1515" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CorporateDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_39decf47-5c7d-4746-8220-981e61c817e6" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_e53de5a6-f48c-40f9-8dfb-56e8f45f1515" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember_283684fe-64fe-466a-ac0b-f4dfc2bacea6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_39decf47-5c7d-4746-8220-981e61c817e6" xlink:to="loc_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember_283684fe-64fe-466a-ac0b-f4dfc2bacea6" xlink:type="arc" order="7"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/SecuritiesHeldtoMaturityCreditQualityDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#SecuritiesHeldtoMaturityCreditQualityDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/SecuritiesHeldtoMaturityCreditQualityDetails" xlink:type="extended" id="ief55b4613b364dd3b6b90ce4e5142340_SecuritiesHeldtoMaturityCreditQualityDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_e237161f-af9e-4892-b1a8-c87c5fd39d9d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAbstract_96c57bf6-7882-4f4e-be6d-99a770fe8162" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecuritiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_e237161f-af9e-4892-b1a8-c87c5fd39d9d" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAbstract_96c57bf6-7882-4f4e-be6d-99a770fe8162" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_e8f2be09-98de-4799-a326-698fe916cde4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesAbstract_96c57bf6-7882-4f4e-be6d-99a770fe8162" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_e8f2be09-98de-4799-a326-698fe916cde4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_4ef54326-d03e-48ad-9e52-a87da8f9a760" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfHeldToMaturitySecuritiesTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_e237161f-af9e-4892-b1a8-c87c5fd39d9d" xlink:to="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_4ef54326-d03e-48ad-9e52-a87da8f9a760" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CreditRatingStandardPoorsAxis_4a7e34cd-eb4d-42e9-89f5-2dc0c405697e" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_CreditRatingStandardPoorsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_4ef54326-d03e-48ad-9e52-a87da8f9a760" xlink:to="loc_srt_CreditRatingStandardPoorsAxis_4a7e34cd-eb4d-42e9-89f5-2dc0c405697e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ExternalCreditRatingStandardPoorsMember_4a7e34cd-eb4d-42e9-89f5-2dc0c405697e_default" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_ExternalCreditRatingStandardPoorsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_CreditRatingStandardPoorsAxis_4a7e34cd-eb4d-42e9-89f5-2dc0c405697e" xlink:to="loc_srt_ExternalCreditRatingStandardPoorsMember_4a7e34cd-eb4d-42e9-89f5-2dc0c405697e_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ExternalCreditRatingStandardPoorsMember_66fb6de4-519b-465b-98af-8c73b68a1d94" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_ExternalCreditRatingStandardPoorsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_CreditRatingStandardPoorsAxis_4a7e34cd-eb4d-42e9-89f5-2dc0c405697e" xlink:to="loc_srt_ExternalCreditRatingStandardPoorsMember_66fb6de4-519b-465b-98af-8c73b68a1d94" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StandardPoorsAAARatingMember_1e963f99-993d-4514-a5f3-b8c8b62df33e" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_StandardPoorsAAARatingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ExternalCreditRatingStandardPoorsMember_66fb6de4-519b-465b-98af-8c73b68a1d94" xlink:to="loc_srt_StandardPoorsAAARatingMember_1e963f99-993d-4514-a5f3-b8c8b62df33e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StandardPoorsAARatingMember_8fc820e5-1e5b-4842-b9f3-75ea67a45e00" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_StandardPoorsAARatingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ExternalCreditRatingStandardPoorsMember_66fb6de4-519b-465b-98af-8c73b68a1d94" xlink:to="loc_srt_StandardPoorsAARatingMember_8fc820e5-1e5b-4842-b9f3-75ea67a45e00" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StandardPoorsARatingMember_40d07fa4-9782-4d5d-95b6-f201297d9062" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_StandardPoorsARatingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ExternalCreditRatingStandardPoorsMember_66fb6de4-519b-465b-98af-8c73b68a1d94" xlink:to="loc_srt_StandardPoorsARatingMember_40d07fa4-9782-4d5d-95b6-f201297d9062" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StandardPoorsBBBRatingMember_165f9d5b-63df-4e32-b060-795a10a13d25" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_StandardPoorsBBBRatingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ExternalCreditRatingStandardPoorsMember_66fb6de4-519b-465b-98af-8c73b68a1d94" xlink:to="loc_srt_StandardPoorsBBBRatingMember_165f9d5b-63df-4e32-b060-795a10a13d25" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ExternalCreditRatingAgencyNonRatedMemberMember_3a727db0-0051-4a2a-b97f-6ed1e33a9291" xlink:href="ibcp-20221231.xsd#ibcp_ExternalCreditRatingAgencyNonRatedMemberMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ExternalCreditRatingStandardPoorsMember_66fb6de4-519b-465b-98af-8c73b68a1d94" xlink:to="loc_ibcp_ExternalCreditRatingAgencyNonRatedMemberMember_3a727db0-0051-4a2a-b97f-6ed1e33a9291" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CreditQualityExternallyCreditRatedAndNonRatedSecuritiesMember_0f3c99aa-daa9-48d4-91dc-6cdfbfd552e0" xlink:href="ibcp-20221231.xsd#ibcp_CreditQualityExternallyCreditRatedAndNonRatedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ExternalCreditRatingStandardPoorsMember_66fb6de4-519b-465b-98af-8c73b68a1d94" xlink:to="loc_ibcp_CreditQualityExternallyCreditRatedAndNonRatedSecuritiesMember_0f3c99aa-daa9-48d4-91dc-6cdfbfd552e0" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_bb5f5bb1-db8f-4762-9d18-8d15d3a83ac5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_4ef54326-d03e-48ad-9e52-a87da8f9a760" xlink:to="loc_us-gaap_FinancialInstrumentAxis_bb5f5bb1-db8f-4762-9d18-8d15d3a83ac5" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_bb5f5bb1-db8f-4762-9d18-8d15d3a83ac5_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_bb5f5bb1-db8f-4762-9d18-8d15d3a83ac5" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_bb5f5bb1-db8f-4762-9d18-8d15d3a83ac5_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6811737b-e2a9-425a-9fed-fb04515c5d35" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_bb5f5bb1-db8f-4762-9d18-8d15d3a83ac5" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6811737b-e2a9-425a-9fed-fb04515c5d35" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_32928e98-fc1b-4a04-b2d9-f99c3d004b7e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6811737b-e2a9-425a-9fed-fb04515c5d35" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_32928e98-fc1b-4a04-b2d9-f99c3d004b7e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_773113a1-5d92-4687-a4fe-8a3addba384f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6811737b-e2a9-425a-9fed-fb04515c5d35" xlink:to="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_773113a1-5d92-4687-a4fe-8a3addba384f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_98936039-73ed-467f-a431-c6b4eb924867" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CorporateDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6811737b-e2a9-425a-9fed-fb04515c5d35" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_98936039-73ed-467f-a431-c6b4eb924867" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember_1ce3a44c-8ac4-4ce6-adb2-72d7fe9d6926" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6811737b-e2a9-425a-9fed-fb04515c5d35" xlink:to="loc_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember_1ce3a44c-8ac4-4ce6-adb2-72d7fe9d6926" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/SecuritiesHeldtoMaturityAllowanceforCreditLossesDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#SecuritiesHeldtoMaturityAllowanceforCreditLossesDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/SecuritiesHeldtoMaturityAllowanceforCreditLossesDetails" xlink:type="extended" id="ic001b4c0e9b64b58b71b17bab8acdcd4_SecuritiesHeldtoMaturityAllowanceforCreditLossesDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldtomaturityAllowanceForCreditLossLineItems_86a1b9ce-d99a-4c48-9743-735589b006b4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesHeldtomaturityAllowanceForCreditLossLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAbstract_1281b527-5ace-4ed3-920f-56efed4b3941" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecuritiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesHeldtomaturityAllowanceForCreditLossLineItems_86a1b9ce-d99a-4c48-9743-735589b006b4" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAbstract_1281b527-5ace-4ed3-920f-56efed4b3941" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossRollForward_8efd353c-d6d9-4e71-89b8-1c764df7e279" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesAbstract_1281b527-5ace-4ed3-920f-56efed4b3941" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossRollForward_8efd353c-d6d9-4e71-89b8-1c764df7e279" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_5afa7f44-4692-41c2-94b3-351a98cab524" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossRollForward_8efd353c-d6d9-4e71-89b8-1c764df7e279" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_5afa7f44-4692-41c2-94b3-351a98cab524" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestCreditLossExpenseReversal_ea52d646-6fa8-43d3-826f-097b27bf304c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestCreditLossExpenseReversal"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossRollForward_8efd353c-d6d9-4e71-89b8-1c764df7e279" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestCreditLossExpenseReversal_ea52d646-6fa8-43d3-826f-097b27bf304c" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAllowanceForCreditLossRecovery_db44f887-9936-44c9-9c53-b09e5967862d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAllowanceForCreditLossRecovery"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossRollForward_8efd353c-d6d9-4e71-89b8-1c764df7e279" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAllowanceForCreditLossRecovery_db44f887-9936-44c9-9c53-b09e5967862d" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAllowanceForCreditLossWriteoff_0279ecaa-d17f-4a11-88e7-add066063fce" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossRollForward_8efd353c-d6d9-4e71-89b8-1c764df7e279" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAllowanceForCreditLossWriteoff_0279ecaa-d17f-4a11-88e7-add066063fce" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_faa803cc-8134-47be-bdea-8eb6020d89e5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossTable_aaf8fc50-b8ea-4dc6-81be-1c640a8d9a98" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DebtSecuritiesHeldtomaturityAllowanceForCreditLossLineItems_86a1b9ce-d99a-4c48-9743-735589b006b4" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossTable_aaf8fc50-b8ea-4dc6-81be-1c640a8d9a98" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_117a2133-318d-4385-959b-ef7ccec7f451" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossTable_aaf8fc50-b8ea-4dc6-81be-1c640a8d9a98" xlink:to="loc_us-gaap_FinancialInstrumentAxis_117a2133-318d-4385-959b-ef7ccec7f451" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_117a2133-318d-4385-959b-ef7ccec7f451_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_117a2133-318d-4385-959b-ef7ccec7f451" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_117a2133-318d-4385-959b-ef7ccec7f451_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_53a50858-9e3a-4907-ba10-5c0c1d8b5db1" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_117a2133-318d-4385-959b-ef7ccec7f451" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_53a50858-9e3a-4907-ba10-5c0c1d8b5db1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_57f956b6-78f6-46e3-a43a-a706708420c8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_53a50858-9e3a-4907-ba10-5c0c1d8b5db1" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_57f956b6-78f6-46e3-a43a-a706708420c8" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_65493173-96cf-4ae7-9c53-06d8f8c7b3ed" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_53a50858-9e3a-4907-ba10-5c0c1d8b5db1" xlink:to="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_65493173-96cf-4ae7-9c53-06d8f8c7b3ed" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_a5e578b4-5ec1-4418-8022-023796b8bb3c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CorporateDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_53a50858-9e3a-4907-ba10-5c0c1d8b5db1" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_a5e578b4-5ec1-4418-8022-023796b8bb3c" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember_f014f5a8-265f-4a6f-921c-9cb853349413" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_53a50858-9e3a-4907-ba10-5c0c1d8b5db1" xlink:to="loc_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember_f014f5a8-265f-4a6f-921c-9cb853349413" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/SecuritiesAmortizedCostandFairValueofSecuritiesAvailableforSaleContractualMaturityDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#SecuritiesAmortizedCostandFairValueofSecuritiesAvailableforSaleContractualMaturityDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/SecuritiesAmortizedCostandFairValueofSecuritiesAvailableforSaleContractualMaturityDetails" xlink:type="extended" id="idca718ea57ed43379e1cee9642de326f_SecuritiesAmortizedCostandFairValueofSecuritiesAvailableforSaleContractualMaturityDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_690d2f9e-0638-4cc1-88f2-01f4f0cd1527" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_d60c5134-03e6-4f1c-af6a-1bffc8c05d31" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_690d2f9e-0638-4cc1-88f2-01f4f0cd1527" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_d60c5134-03e6-4f1c-af6a-1bffc8c05d31" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_72a66dbe-c3f8-482f-b020-106776456d9d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_d60c5134-03e6-4f1c-af6a-1bffc8c05d31" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_72a66dbe-c3f8-482f-b020-106776456d9d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_e8c27ca8-6a90-46b7-bd2d-d617028db9b6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_d60c5134-03e6-4f1c-af6a-1bffc8c05d31" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_e8c27ca8-6a90-46b7-bd2d-d617028db9b6" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_39a89f04-2af4-4e9f-bcbb-fc389e033ffd" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_d60c5134-03e6-4f1c-af6a-1bffc8c05d31" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_39a89f04-2af4-4e9f-bcbb-fc389e033ffd" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_500b2969-32ed-4ac3-9171-268008fe7866" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_d60c5134-03e6-4f1c-af6a-1bffc8c05d31" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_500b2969-32ed-4ac3-9171-268008fe7866" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis_7a310206-0bbe-4933-99ac-85b49669d65d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_d60c5134-03e6-4f1c-af6a-1bffc8c05d31" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis_7a310206-0bbe-4933-99ac-85b49669d65d" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost_d538b57b-75ea-4427-ad72-6592f5fadb6c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_d60c5134-03e6-4f1c-af6a-1bffc8c05d31" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost_d538b57b-75ea-4427-ad72-6592f5fadb6c" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_154f8f33-b72e-46cb-8567-26155aa81d0e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract_d60c5134-03e6-4f1c-af6a-1bffc8c05d31" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_154f8f33-b72e-46cb-8567-26155aa81d0e" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_c3ff0d9d-8d56-4b75-8712-35b2314a1924" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_690d2f9e-0638-4cc1-88f2-01f4f0cd1527" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_c3ff0d9d-8d56-4b75-8712-35b2314a1924" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_7dffc34a-36a1-4566-bce0-536727b6b198" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_c3ff0d9d-8d56-4b75-8712-35b2314a1924" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_7dffc34a-36a1-4566-bce0-536727b6b198" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_e5e70e10-4e6f-427b-90b6-ecda7583f34e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_c3ff0d9d-8d56-4b75-8712-35b2314a1924" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_e5e70e10-4e6f-427b-90b6-ecda7583f34e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_159d2163-142b-4236-b7ff-19fd40e15676" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_c3ff0d9d-8d56-4b75-8712-35b2314a1924" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_159d2163-142b-4236-b7ff-19fd40e15676" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_537ff225-6a8f-400e-a484-22aede7e9fb6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_c3ff0d9d-8d56-4b75-8712-35b2314a1924" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_537ff225-6a8f-400e-a484-22aede7e9fb6" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate_284ea644-bb1b-486c-941f-190b6eb19ccc" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_c3ff0d9d-8d56-4b75-8712-35b2314a1924" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate_284ea644-bb1b-486c-941f-190b6eb19ccc" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue_2b810285-596e-474d-a5af-693cd772c100" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_c3ff0d9d-8d56-4b75-8712-35b2314a1924" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue_2b810285-596e-474d-a5af-693cd772c100" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_fb6a15c3-613a-41b7-a12d-3c190ad18b70" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract_c3ff0d9d-8d56-4b75-8712-35b2314a1924" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_fb6a15c3-613a-41b7-a12d-3c190ad18b70" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_a40c94b4-63f0-4ac9-a55d-aa4b67418fe6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_690d2f9e-0638-4cc1-88f2-01f4f0cd1527" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_a40c94b4-63f0-4ac9-a55d-aa4b67418fe6" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_a9b280ee-9a9c-4a17-87eb-8282f52980ad" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_a40c94b4-63f0-4ac9-a55d-aa4b67418fe6" xlink:to="loc_us-gaap_FinancialInstrumentAxis_a9b280ee-9a9c-4a17-87eb-8282f52980ad" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_a9b280ee-9a9c-4a17-87eb-8282f52980ad_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_a9b280ee-9a9c-4a17-87eb-8282f52980ad" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_a9b280ee-9a9c-4a17-87eb-8282f52980ad_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_7c086879-0df5-4b43-a598-b95dac5c32ab" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_a9b280ee-9a9c-4a17-87eb-8282f52980ad" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_7c086879-0df5-4b43-a598-b95dac5c32ab" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_c353d76e-f788-4f43-9211-9a1b88255df4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_7c086879-0df5-4b43-a598-b95dac5c32ab" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_c353d76e-f788-4f43-9211-9a1b88255df4" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_e5fd47cd-cdcb-4616-bad6-6211e59b4699" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommercialMortgageBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_7c086879-0df5-4b43-a598-b95dac5c32ab" xlink:to="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_e5fd47cd-cdcb-4616-bad6-6211e59b4699" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_9438d749-59e0-49a3-88b8-b2a517f9779c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_7c086879-0df5-4b43-a598-b95dac5c32ab" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_9438d749-59e0-49a3-88b8-b2a517f9779c" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_bba51492-9508-4ffd-accf-e9becc19e74f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AssetBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_7c086879-0df5-4b43-a598-b95dac5c32ab" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_bba51492-9508-4ffd-accf-e9becc19e74f" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/SecuritiesAmortizedCostandFairValueofHeldToMaturityContractualMaturityDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#SecuritiesAmortizedCostandFairValueofHeldToMaturityContractualMaturityDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/SecuritiesAmortizedCostandFairValueofHeldToMaturityContractualMaturityDetails" xlink:type="extended" id="iad445ad46aeb49c09fdea527ce57da94_SecuritiesAmortizedCostandFairValueofHeldToMaturityContractualMaturityDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_e1dddc46-17e4-4158-a88c-a0242915c0e3" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract_2b4959c4-b612-4a20-af4c-bde742d9ed73" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_e1dddc46-17e4-4158-a88c-a0242915c0e3" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract_2b4959c4-b612-4a20-af4c-bde742d9ed73" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateYearOne_a66bdd24-7fe2-4200-9cbe-f235b725069e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateYearOne"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract_2b4959c4-b612-4a20-af4c-bde742d9ed73" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateYearOne_a66bdd24-7fe2-4200-9cbe-f235b725069e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYearOneThroughFive_464c9e61-6e29-4abc-9b2c-c928427b0a37" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYearOneThroughFive"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract_2b4959c4-b612-4a20-af4c-bde742d9ed73" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYearOneThroughFive_464c9e61-6e29-4abc-9b2c-c928427b0a37" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear5Through10_db57ea8f-451d-402e-93ca-d116859d2871" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear5Through10"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract_2b4959c4-b612-4a20-af4c-bde742d9ed73" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear5Through10_db57ea8f-451d-402e-93ca-d116859d2871" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear10_aebb9ce0-d57e-406d-b300-34bcd561d7b9" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear10"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract_2b4959c4-b612-4a20-af4c-bde742d9ed73" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityAllocatedAndSingleMaturityDateAfterYear10_aebb9ce0-d57e-406d-b300-34bcd561d7b9" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis_60174a0c-0808-4a63-b592-1f2c0c2920ae" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract_2b4959c4-b612-4a20-af4c-bde742d9ed73" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis_60174a0c-0808-4a63-b592-1f2c0c2920ae" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityWithoutSingleMaturityDate_c267d898-3520-42ef-9fd3-304d9293a9bf" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityWithoutSingleMaturityDate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract_2b4959c4-b612-4a20-af4c-bde742d9ed73" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLossMaturityWithoutSingleMaturityDate_c267d898-3520-42ef-9fd3-304d9293a9bf" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_ef5f1191-c548-4f6e-899d-3625039bd218" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract_2b4959c4-b612-4a20-af4c-bde742d9ed73" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_ef5f1191-c548-4f6e-899d-3625039bd218" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract_6ff89ef0-1b10-47a0-b43f-acced7907ba2" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_e1dddc46-17e4-4158-a88c-a0242915c0e3" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract_6ff89ef0-1b10-47a0-b43f-acced7907ba2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue_4bfeb2f1-b732-4fff-8a89-b98d5b3160fd" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract_6ff89ef0-1b10-47a0-b43f-acced7907ba2" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue_4bfeb2f1-b732-4fff-8a89-b98d5b3160fd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_adc8e4b1-552c-4730-a3bf-8a73f55a9189" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract_6ff89ef0-1b10-47a0-b43f-acced7907ba2" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_adc8e4b1-552c-4730-a3bf-8a73f55a9189" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_e44386e4-9f18-489d-b613-0fbba6eb91c7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract_6ff89ef0-1b10-47a0-b43f-acced7907ba2" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_e44386e4-9f18-489d-b613-0fbba6eb91c7" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue_b72d4b92-23b5-4d46-9105-ad183a43f7f9" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract_6ff89ef0-1b10-47a0-b43f-acced7907ba2" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue_b72d4b92-23b5-4d46-9105-ad183a43f7f9" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValue_7bcb52e4-7577-4124-87a1-f4bb047c652a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract_6ff89ef0-1b10-47a0-b43f-acced7907ba2" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValue_7bcb52e4-7577-4124-87a1-f4bb047c652a" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue_4529c2d7-af92-42ca-8b18-1da61d4d6e67" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract_6ff89ef0-1b10-47a0-b43f-acced7907ba2" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue_4529c2d7-af92-42ca-8b18-1da61d4d6e67" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_75bec49a-3d87-4dab-8c6a-9dd915f99d92" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HeldToMaturitySecuritiesFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesFairValueAbstract_6ff89ef0-1b10-47a0-b43f-acced7907ba2" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesFairValue_75bec49a-3d87-4dab-8c6a-9dd915f99d92" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_95392249-dd17-45d4-9577-c65060ea0de3" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfHeldToMaturitySecuritiesTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesLineItems_e1dddc46-17e4-4158-a88c-a0242915c0e3" xlink:to="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_95392249-dd17-45d4-9577-c65060ea0de3" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_c0fb6e94-e531-4ae4-8e8e-11210dd40c0d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfHeldToMaturitySecuritiesTable_95392249-dd17-45d4-9577-c65060ea0de3" xlink:to="loc_us-gaap_FinancialInstrumentAxis_c0fb6e94-e531-4ae4-8e8e-11210dd40c0d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_c0fb6e94-e531-4ae4-8e8e-11210dd40c0d_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_c0fb6e94-e531-4ae4-8e8e-11210dd40c0d" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_c0fb6e94-e531-4ae4-8e8e-11210dd40c0d_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_110ca1f1-8fa7-4c8f-b120-314f212f893b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_c0fb6e94-e531-4ae4-8e8e-11210dd40c0d" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_110ca1f1-8fa7-4c8f-b120-314f212f893b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_f27a1457-0199-428c-acc8-a807298a7dc4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_110ca1f1-8fa7-4c8f-b120-314f212f893b" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_f27a1457-0199-428c-acc8-a807298a7dc4" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_4246f6b8-cb81-492a-97c0-9ad59ade170a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommercialMortgageBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_110ca1f1-8fa7-4c8f-b120-314f212f893b" xlink:to="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_4246f6b8-cb81-492a-97c0-9ad59ade170a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_44342c63-b7b9-4a80-a4e9-50ae95b7e31a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_110ca1f1-8fa7-4c8f-b120-314f212f893b" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_44342c63-b7b9-4a80-a4e9-50ae95b7e31a" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_dd3c4522-da96-49bd-811e-c8d3c98a0325" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AssetBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_110ca1f1-8fa7-4c8f-b120-314f212f893b" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_dd3c4522-da96-49bd-811e-c8d3c98a0325" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/LoansLoanPortfoliosDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#LoansLoanPortfoliosDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/LoansLoanPortfoliosDetails" xlink:type="extended" id="i32927e37600747ceba1a6970746d9c13_LoansLoanPortfoliosDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2a3a76b8-6ace-4369-bb77-c72820973ca9" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_d0da96b6-9c00-4e1d-9906-18e20e7e615b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2a3a76b8-6ace-4369-bb77-c72820973ca9" xlink:to="loc_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_d0da96b6-9c00-4e1d-9906-18e20e7e615b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_23cde0e6-874c-47e9-b768-16214e6ce4a6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_d0da96b6-9c00-4e1d-9906-18e20e7e615b" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_23cde0e6-874c-47e9-b768-16214e6ce4a6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_2a3efe34-ff98-4759-8089-9e1ee8137c42" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_d0da96b6-9c00-4e1d-9906-18e20e7e615b" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_2a3efe34-ff98-4759-8089-9e1ee8137c42" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_dde89723-d4f6-47a4-a7d6-767ff91ec7b7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract_d0da96b6-9c00-4e1d-9906-18e20e7e615b" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_dde89723-d4f6-47a4-a7d6-767ff91ec7b7" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_50d2a7ff-63a0-443e-b8f0-dc8876ee7e01" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_2a3a76b8-6ace-4369-bb77-c72820973ca9" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_50d2a7ff-63a0-443e-b8f0-dc8876ee7e01" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_1cb80fc7-c794-40d4-bb49-623ca7877eb6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_50d2a7ff-63a0-443e-b8f0-dc8876ee7e01" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_1cb80fc7-c794-40d4-bb49-623ca7877eb6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_1cb80fc7-c794-40d4-bb49-623ca7877eb6_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_1cb80fc7-c794-40d4-bb49-623ca7877eb6" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_1cb80fc7-c794-40d4-bb49-623ca7877eb6_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_786db065-06bb-42d9-8fc6-988178551d67" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_1cb80fc7-c794-40d4-bb49-623ca7877eb6" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_786db065-06bb-42d9-8fc6-988178551d67" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_a77a3067-6fe0-4870-bdb2-743e56595c33" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_786db065-06bb-42d9-8fc6-988178551d67" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_a77a3067-6fe0-4870-bdb2-743e56595c33" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_bd636e9e-c629-489b-abec-18b7112d54e6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_786db065-06bb-42d9-8fc6-988178551d67" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_bd636e9e-c629-489b-abec-18b7112d54e6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentPortfolioSegmentMember_825b01bc-ed23-48f5-a5fb-4862f37b87c0" xlink:href="ibcp-20221231.xsd#ibcp_InstallmentPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_786db065-06bb-42d9-8fc6-988178551d67" xlink:to="loc_ibcp_InstallmentPortfolioSegmentMember_825b01bc-ed23-48f5-a5fb-4862f37b87c0" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_f96c20bf-d3f8-4d86-bc56-6e460269453e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_50d2a7ff-63a0-443e-b8f0-dc8876ee7e01" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_f96c20bf-d3f8-4d86-bc56-6e460269453e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_f96c20bf-d3f8-4d86-bc56-6e460269453e_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_f96c20bf-d3f8-4d86-bc56-6e460269453e" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_f96c20bf-d3f8-4d86-bc56-6e460269453e_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_bf0a77c3-559b-43af-985f-b98ea27b5b9b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_f96c20bf-d3f8-4d86-bc56-6e460269453e" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_bf0a77c3-559b-43af-985f-b98ea27b5b9b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialMortgageMember_71c80086-b97b-4a0d-9c9e-1fc53c17d82f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ResidentialMortgageMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_bf0a77c3-559b-43af-985f-b98ea27b5b9b" xlink:to="loc_us-gaap_ResidentialMortgageMember_71c80086-b97b-4a0d-9c9e-1fc53c17d82f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ResidentialHomeEquityAndOtherJuniorMortgagesMember_ebe18027-cb57-428c-8ffe-1b635a6f49ba" xlink:href="ibcp-20221231.xsd#ibcp_ResidentialHomeEquityAndOtherJuniorMortgagesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_bf0a77c3-559b-43af-985f-b98ea27b5b9b" xlink:to="loc_ibcp_ResidentialHomeEquityAndOtherJuniorMortgagesMember_ebe18027-cb57-428c-8ffe-1b635a6f49ba" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14OwnerOccupiedJumboMember_812abddf-3fda-4436-84ea-23e03b23deeb" xlink:href="ibcp-20221231.xsd#ibcp_Family14OwnerOccupiedJumboMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_bf0a77c3-559b-43af-985f-b98ea27b5b9b" xlink:to="loc_ibcp_Family14OwnerOccupiedJumboMember_812abddf-3fda-4436-84ea-23e03b23deeb" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14OwnerOccupiedNonJumboMember_420f6a33-e611-49f1-a734-44680b92147e" xlink:href="ibcp-20221231.xsd#ibcp_Family14OwnerOccupiedNonJumboMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_bf0a77c3-559b-43af-985f-b98ea27b5b9b" xlink:to="loc_ibcp_Family14OwnerOccupiedNonJumboMember_420f6a33-e611-49f1-a734-44680b92147e" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14NonOwnerOccupiedMember_8bf26de0-eed3-4e1e-ad45-f086e2eafbf9" xlink:href="ibcp-20221231.xsd#ibcp_Family14NonOwnerOccupiedMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_bf0a77c3-559b-43af-985f-b98ea27b5b9b" xlink:to="loc_ibcp_Family14NonOwnerOccupiedMember_8bf26de0-eed3-4e1e-ad45-f086e2eafbf9" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14SecondLienMember_2aa983fb-8a65-4bbb-a12f-3f0176ae5110" xlink:href="ibcp-20221231.xsd#ibcp_Family14SecondLienMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_bf0a77c3-559b-43af-985f-b98ea27b5b9b" xlink:to="loc_ibcp_Family14SecondLienMember_2aa983fb-8a65-4bbb-a12f-3f0176ae5110" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ResortLendingMember_5578f1b8-75e2-487f-9196-b5361e85df3b" xlink:href="ibcp-20221231.xsd#ibcp_ResortLendingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_bf0a77c3-559b-43af-985f-b98ea27b5b9b" xlink:to="loc_ibcp_ResortLendingMember_5578f1b8-75e2-487f-9196-b5361e85df3b" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_BoatLendingMember_94dc1cd6-8dfc-405b-9505-89f5c4175e56" xlink:href="ibcp-20221231.xsd#ibcp_BoatLendingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_bf0a77c3-559b-43af-985f-b98ea27b5b9b" xlink:to="loc_ibcp_BoatLendingMember_94dc1cd6-8dfc-405b-9505-89f5c4175e56" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_RecreationalVehicleLendingMember_8238ad7f-8c8f-457e-b534-2e6ed84da90e" xlink:href="ibcp-20221231.xsd#ibcp_RecreationalVehicleLendingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_bf0a77c3-559b-43af-985f-b98ea27b5b9b" xlink:to="loc_ibcp_RecreationalVehicleLendingMember_8238ad7f-8c8f-457e-b534-2e6ed84da90e" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentOtherMember_7f38ecc3-a47e-4bd3-903e-efd82d8d09ea" xlink:href="ibcp-20221231.xsd#ibcp_InstallmentOtherMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_bf0a77c3-559b-43af-985f-b98ea27b5b9b" xlink:to="loc_ibcp_InstallmentOtherMember_7f38ecc3-a47e-4bd3-903e-efd82d8d09ea" xlink:type="arc" order="9"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/LoansNarrativeDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#LoansNarrativeDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/LoansNarrativeDetails" xlink:type="extended" id="ifcef457080594f6b9470fbc0768eb296_LoansNarrativeDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_5128c392-06a8-45db-9bdd-6bbdd33f322e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableUnamortizedLoanCommitmentOriginationFeeAndPremiumDiscount_00838dbe-ac89-4e33-a28f-63e41d8c9660" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableUnamortizedLoanCommitmentOriginationFeeAndPremiumDiscount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_5128c392-06a8-45db-9bdd-6bbdd33f322e" xlink:to="loc_us-gaap_FinancingReceivableUnamortizedLoanCommitmentOriginationFeeAndPremiumDiscount_00838dbe-ac89-4e33-a28f-63e41d8c9660" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfLoansHeldForInvestment_c34849cc-3bfd-49c5-b8fb-771c38a39440" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ProceedsFromSaleOfLoansHeldForInvestment"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_5128c392-06a8-45db-9bdd-6bbdd33f322e" xlink:to="loc_us-gaap_ProceedsFromSaleOfLoansHeldForInvestment_c34849cc-3bfd-49c5-b8fb-771c38a39440" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSalesOfLoansNet_a189cbd9-7cfc-4113-8482-8e8f8a8bc9d7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_GainLossOnSalesOfLoansNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_5128c392-06a8-45db-9bdd-6bbdd33f322e" xlink:to="loc_us-gaap_GainLossOnSalesOfLoansNet_a189cbd9-7cfc-4113-8482-8e8f8a8bc9d7" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_NonPerformingLoanInterestIncome_2abdc759-2182-486b-b23e-328f39dbef31" xlink:href="ibcp-20221231.xsd#ibcp_NonPerformingLoanInterestIncome"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_5128c392-06a8-45db-9bdd-6bbdd33f322e" xlink:to="loc_ibcp_NonPerformingLoanInterestIncome_2abdc759-2182-486b-b23e-328f39dbef31" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_NonPerformingLoanInterestIncomeRecorded_e0b7b8d8-bdb5-490f-a6c3-954cc26a4592" xlink:href="ibcp-20221231.xsd#ibcp_NonPerformingLoanInterestIncomeRecorded"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_5128c392-06a8-45db-9bdd-6bbdd33f322e" xlink:to="loc_ibcp_NonPerformingLoanInterestIncomeRecorded_e0b7b8d8-bdb5-490f-a6c3-954cc26a4592" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowance_5f74b158-ad72-4cbc-8b86-e833a9033ba7" xlink:href="ibcp-20221231.xsd#ibcp_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowance"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_5128c392-06a8-45db-9bdd-6bbdd33f322e" xlink:to="loc_ibcp_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowance_5f74b158-ad72-4cbc-8b86-e833a9033ba7" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_AdditionalAmountsCommittedToLendAsTroubledDebtRestructurings_459a0208-b113-444b-8643-22250d8857bc" xlink:href="ibcp-20221231.xsd#ibcp_AdditionalAmountsCommittedToLendAsTroubledDebtRestructurings"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_5128c392-06a8-45db-9bdd-6bbdd33f322e" xlink:to="loc_ibcp_AdditionalAmountsCommittedToLendAsTroubledDebtRestructurings_459a0208-b113-444b-8643-22250d8857bc" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableModificationsOfStatedInterestRatePeriod_4878623e-0416-47c4-b232-199fc8031586" xlink:href="ibcp-20221231.xsd#ibcp_FinancingReceivableModificationsOfStatedInterestRatePeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_5128c392-06a8-45db-9bdd-6bbdd33f322e" xlink:to="loc_ibcp_FinancingReceivableModificationsOfStatedInterestRatePeriod_4878623e-0416-47c4-b232-199fc8031586" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableModificationsOfStatedInterestRatePeriodExtension_55977fa8-849a-4b9d-b0be-b8a13134e0c1" xlink:href="ibcp-20221231.xsd#ibcp_FinancingReceivableModificationsOfStatedInterestRatePeriodExtension"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_5128c392-06a8-45db-9bdd-6bbdd33f322e" xlink:to="loc_ibcp_FinancingReceivableModificationsOfStatedInterestRatePeriodExtension_55977fa8-849a-4b9d-b0be-b8a13134e0c1" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableModificationsOfMaturityDate_51ccef61-72df-4cf3-893e-a9b76a5c459a" xlink:href="ibcp-20221231.xsd#ibcp_FinancingReceivableModificationsOfMaturityDate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_5128c392-06a8-45db-9bdd-6bbdd33f322e" xlink:to="loc_ibcp_FinancingReceivableModificationsOfMaturityDate_51ccef61-72df-4cf3-893e-a9b76a5c459a" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableModificationsOfMaturityDateExtension_8760f377-6f8b-4268-834a-5e8e31f0e2a3" xlink:href="ibcp-20221231.xsd#ibcp_FinancingReceivableModificationsOfMaturityDateExtension"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_5128c392-06a8-45db-9bdd-6bbdd33f322e" xlink:to="loc_ibcp_FinancingReceivableModificationsOfMaturityDateExtension_8760f377-6f8b-4268-834a-5e8e31f0e2a3" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesImpairedTroubledDebtRestructuringWriteDown_bb8e879f-ca9f-4fb8-bc14-8ca39308de12" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablesImpairedTroubledDebtRestructuringWriteDown"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_5128c392-06a8-45db-9bdd-6bbdd33f322e" xlink:to="loc_us-gaap_FinancingReceivablesImpairedTroubledDebtRestructuringWriteDown_bb8e879f-ca9f-4fb8-bc14-8ca39308de12" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_PastDuePeriodForModifiedLoans_019a42f1-3937-4f07-a0e3-490040423d73" xlink:href="ibcp-20221231.xsd#ibcp_PastDuePeriodForModifiedLoans"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_5128c392-06a8-45db-9bdd-6bbdd33f322e" xlink:to="loc_ibcp_PastDuePeriodForModifiedLoans_019a42f1-3937-4f07-a0e3-490040423d73" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_NumberOfConsecutiveMortgageLoanPaymentsMissed_5e1513d7-4672-4668-b965-2655cac0e4b7" xlink:href="ibcp-20221231.xsd#ibcp_NumberOfConsecutiveMortgageLoanPaymentsMissed"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_5128c392-06a8-45db-9bdd-6bbdd33f322e" xlink:to="loc_ibcp_NumberOfConsecutiveMortgageLoanPaymentsMissed_5e1513d7-4672-4668-b965-2655cac0e4b7" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_AllowanceForDoubtfulAccountsReceivableChargeOffsDueToTDR_a9232666-5a76-4747-8b7e-f34e9f281439" xlink:href="ibcp-20221231.xsd#ibcp_AllowanceForDoubtfulAccountsReceivableChargeOffsDueToTDR"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_5128c392-06a8-45db-9bdd-6bbdd33f322e" xlink:to="loc_ibcp_AllowanceForDoubtfulAccountsReceivableChargeOffsDueToTDR_a9232666-5a76-4747-8b7e-f34e9f281439" xlink:type="arc" order="14"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLosses_a4120d2f-3c81-42de-b359-12e060ba7b2c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_5128c392-06a8-45db-9bdd-6bbdd33f322e" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLosses_a4120d2f-3c81-42de-b359-12e060ba7b2c" xlink:type="arc" order="15"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableNumberOfLoansOutstanding_6530de15-652f-4a6f-b572-33041c53c194" xlink:href="ibcp-20221231.xsd#ibcp_FinancingReceivableNumberOfLoansOutstanding"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_5128c392-06a8-45db-9bdd-6bbdd33f322e" xlink:to="loc_ibcp_FinancingReceivableNumberOfLoansOutstanding_6530de15-652f-4a6f-b572-33041c53c194" xlink:type="arc" order="16"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_RemainingUnaccretedNetFees_5e418b4f-ce81-475f-8570-8eeaa4366c3c" xlink:href="ibcp-20221231.xsd#ibcp_RemainingUnaccretedNetFees"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_5128c392-06a8-45db-9bdd-6bbdd33f322e" xlink:to="loc_ibcp_RemainingUnaccretedNetFees_5e418b4f-ce81-475f-8570-8eeaa4366c3c" xlink:type="arc" order="17"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAmountOfLoansFunded_07b8111a-dfe4-4b02-91b5-d3006bbf3878" xlink:href="ibcp-20221231.xsd#ibcp_FinancingReceivableAmountOfLoansFunded"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_5128c392-06a8-45db-9bdd-6bbdd33f322e" xlink:to="loc_ibcp_FinancingReceivableAmountOfLoansFunded_07b8111a-dfe4-4b02-91b5-d3006bbf3878" xlink:type="arc" order="18"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases_148e1c89-6ad4-4ffe-8fb7-e153b1212b4c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_5128c392-06a8-45db-9bdd-6bbdd33f322e" xlink:to="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases_148e1c89-6ad4-4ffe-8fb7-e153b1212b4c" xlink:type="arc" order="19"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EscrowDeposit_a797f72d-f543-425b-a302-b62b66c26f44" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_EscrowDeposit"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_5128c392-06a8-45db-9bdd-6bbdd33f322e" xlink:to="loc_us-gaap_EscrowDeposit_a797f72d-f543-425b-a302-b62b66c26f44" xlink:type="arc" order="20"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_MaximumNumberOfConsecutiveQuarterlyLossesRecordedForProfitabilityRequirement_462d5b9f-f49d-4b3d-8cd5-0982b93ce8e6" xlink:href="ibcp-20221231.xsd#ibcp_MaximumNumberOfConsecutiveQuarterlyLossesRecordedForProfitabilityRequirement"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_5128c392-06a8-45db-9bdd-6bbdd33f322e" xlink:to="loc_ibcp_MaximumNumberOfConsecutiveQuarterlyLossesRecordedForProfitabilityRequirement_462d5b9f-f49d-4b3d-8cd5-0982b93ce8e6" xlink:type="arc" order="21"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_PercentageOfDeclineInNetWorthDuringThePeriod_e33e9b3d-6575-4294-b37f-f56b42a2ab04" xlink:href="ibcp-20221231.xsd#ibcp_PercentageOfDeclineInNetWorthDuringThePeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_5128c392-06a8-45db-9bdd-6bbdd33f322e" xlink:to="loc_ibcp_PercentageOfDeclineInNetWorthDuringThePeriod_e33e9b3d-6575-4294-b37f-f56b42a2ab04" xlink:type="arc" order="22"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_MaximumPercentageOfDeclineInNetWorthForOneConsecutiveQuarter_b0166bcf-e67d-4820-9e10-3fbb9e11ff91" xlink:href="ibcp-20221231.xsd#ibcp_MaximumPercentageOfDeclineInNetWorthForOneConsecutiveQuarter"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_5128c392-06a8-45db-9bdd-6bbdd33f322e" xlink:to="loc_ibcp_MaximumPercentageOfDeclineInNetWorthForOneConsecutiveQuarter_b0166bcf-e67d-4820-9e10-3fbb9e11ff91" xlink:type="arc" order="23"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_MaximumPercentageOfDeclineInNetWorthForTwoConsecutiveQuarters_855667ce-9015-4dd3-a0a2-54d3114a9d5d" xlink:href="ibcp-20221231.xsd#ibcp_MaximumPercentageOfDeclineInNetWorthForTwoConsecutiveQuarters"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_5128c392-06a8-45db-9bdd-6bbdd33f322e" xlink:to="loc_ibcp_MaximumPercentageOfDeclineInNetWorthForTwoConsecutiveQuarters_855667ce-9015-4dd3-a0a2-54d3114a9d5d" xlink:type="arc" order="24"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageCouponRate_f16fea44-3ab7-4208-bec7-9f56c4dee54c" xlink:href="ibcp-20221231.xsd#ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageCouponRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_5128c392-06a8-45db-9bdd-6bbdd33f322e" xlink:to="loc_ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageCouponRate_f16fea44-3ab7-4208-bec7-9f56c4dee54c" xlink:type="arc" order="25"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageServicingFeeRate_667a2544-0d73-4b88-a315-9600c9140db9" xlink:href="ibcp-20221231.xsd#ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageServicingFeeRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_5128c392-06a8-45db-9bdd-6bbdd33f322e" xlink:to="loc_ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueAverageServicingFeeRate_667a2544-0d73-4b88-a315-9600c9140db9" xlink:type="arc" order="26"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRate_123a9da1-4584-49f2-b8ca-edba0e84aeb8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_5128c392-06a8-45db-9bdd-6bbdd33f322e" xlink:to="loc_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRate_123a9da1-4584-49f2-b8ca-edba0e84aeb8" xlink:type="arc" order="27"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAveragePSARate_ec0e81b2-b940-410f-9f95-5edc42fbbdc6" xlink:href="ibcp-20221231.xsd#ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAveragePSARate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_5128c392-06a8-45db-9bdd-6bbdd33f322e" xlink:to="loc_ibcp_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAveragePSARate_ec0e81b2-b940-410f-9f95-5edc42fbbdc6" xlink:type="arc" order="28"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_db680012-dee7-46bb-b4c8-a418399f944c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_5128c392-06a8-45db-9bdd-6bbdd33f322e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_db680012-dee7-46bb-b4c8-a418399f944c" xlink:type="arc" order="29"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease_cc2ca5df-4555-423c-a593-8c0603a00b9e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_5128c392-06a8-45db-9bdd-6bbdd33f322e" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossPeriodIncreaseDecrease_cc2ca5df-4555-423c-a593-8c0603a00b9e" xlink:type="arc" order="30"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome_e5504377-3b0a-47f3-9736-b2a6a3eb6dd9" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_5128c392-06a8-45db-9bdd-6bbdd33f322e" xlink:to="loc_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome_e5504377-3b0a-47f3-9736-b2a6a3eb6dd9" xlink:type="arc" order="31"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2ae60f5e-787e-4d48-858c-795d70a4e490" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_AccountsNotesAndLoansReceivableLineItems_5128c392-06a8-45db-9bdd-6bbdd33f322e" xlink:to="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2ae60f5e-787e-4d48-858c-795d70a4e490" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_5cb905cf-0bb2-484e-889e-13bb30c57638" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2ae60f5e-787e-4d48-858c-795d70a4e490" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_5cb905cf-0bb2-484e-889e-13bb30c57638" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_5cb905cf-0bb2-484e-889e-13bb30c57638_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_5cb905cf-0bb2-484e-889e-13bb30c57638" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_5cb905cf-0bb2-484e-889e-13bb30c57638_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_7f1438d2-6511-4f1f-a080-382e4df745d3" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_5cb905cf-0bb2-484e-889e-13bb30c57638" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_7f1438d2-6511-4f1f-a080-382e4df745d3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_24554719-e495-45c7-8cd7-f1e727f2524b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_7f1438d2-6511-4f1f-a080-382e4df745d3" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_24554719-e495-45c7-8cd7-f1e727f2524b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_24bb991f-36e8-4a6d-b072-392428ab0b8e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2ae60f5e-787e-4d48-858c-795d70a4e490" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_24bb991f-36e8-4a6d-b072-392428ab0b8e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_24bb991f-36e8-4a6d-b072-392428ab0b8e_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_24bb991f-36e8-4a6d-b072-392428ab0b8e" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_24bb991f-36e8-4a6d-b072-392428ab0b8e_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_be9a3134-92d9-4ddd-ba0d-2f7f66ddbc1b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_24bb991f-36e8-4a6d-b072-392428ab0b8e" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_be9a3134-92d9-4ddd-ba0d-2f7f66ddbc1b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FixedRateResidentialMortgageMember_002a0aed-c1c7-4873-b66a-ba1258d461c5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FixedRateResidentialMortgageMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_be9a3134-92d9-4ddd-ba0d-2f7f66ddbc1b" xlink:to="loc_us-gaap_FixedRateResidentialMortgageMember_002a0aed-c1c7-4873-b66a-ba1258d461c5" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustableRateResidentialMortgageMember_9f3402ce-9924-4d51-ac63-3a03a9853f4e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AdjustableRateResidentialMortgageMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_be9a3134-92d9-4ddd-ba0d-2f7f66ddbc1b" xlink:to="loc_us-gaap_AdjustableRateResidentialMortgageMember_9f3402ce-9924-4d51-ac63-3a03a9853f4e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CounterpartyNameAxis_bd1d9cb1-e2bd-4f13-ad27-b2a94231dd95" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_CounterpartyNameAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2ae60f5e-787e-4d48-858c-795d70a4e490" xlink:to="loc_srt_CounterpartyNameAxis_bd1d9cb1-e2bd-4f13-ad27-b2a94231dd95" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RepurchaseAgreementCounterpartyNameDomain_bd1d9cb1-e2bd-4f13-ad27-b2a94231dd95_default" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_RepurchaseAgreementCounterpartyNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_CounterpartyNameAxis_bd1d9cb1-e2bd-4f13-ad27-b2a94231dd95" xlink:to="loc_srt_RepurchaseAgreementCounterpartyNameDomain_bd1d9cb1-e2bd-4f13-ad27-b2a94231dd95_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RepurchaseAgreementCounterpartyNameDomain_ab4744ab-0c00-4166-85ad-57fddb516bcd" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_RepurchaseAgreementCounterpartyNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_CounterpartyNameAxis_bd1d9cb1-e2bd-4f13-ad27-b2a94231dd95" xlink:to="loc_srt_RepurchaseAgreementCounterpartyNameDomain_ab4744ab-0c00-4166-85ad-57fddb516bcd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FreddieMacMember_eb7748c8-51c0-40a5-8f14-f24f9d6fd751" xlink:href="ibcp-20221231.xsd#ibcp_FreddieMacMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RepurchaseAgreementCounterpartyNameDomain_ab4744ab-0c00-4166-85ad-57fddb516bcd" xlink:to="loc_ibcp_FreddieMacMember_eb7748c8-51c0-40a5-8f14-f24f9d6fd751" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_5bec7ae3-9d10-48e3-bd38-bfc75004549c" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_RangeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2ae60f5e-787e-4d48-858c-795d70a4e490" xlink:to="loc_srt_RangeAxis_5bec7ae3-9d10-48e3-bd38-bfc75004549c" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_5bec7ae3-9d10-48e3-bd38-bfc75004549c_default" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_RangeAxis_5bec7ae3-9d10-48e3-bd38-bfc75004549c" xlink:to="loc_srt_RangeMember_5bec7ae3-9d10-48e3-bd38-bfc75004549c_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_7c5ee08d-4e1f-4b8a-a20b-5693be9bac1a" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_RangeAxis_5bec7ae3-9d10-48e3-bd38-bfc75004549c" xlink:to="loc_srt_RangeMember_7c5ee08d-4e1f-4b8a-a20b-5693be9bac1a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_fc104309-b42d-495b-9eb4-9e48fc7ae4bb" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_MinimumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_7c5ee08d-4e1f-4b8a-a20b-5693be9bac1a" xlink:to="loc_srt_MinimumMember_fc104309-b42d-495b-9eb4-9e48fc7ae4bb" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_b5f5825c-8ec4-4a61-bff7-e9ee4d56bb58" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_MaximumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_7c5ee08d-4e1f-4b8a-a20b-5693be9bac1a" xlink:to="loc_srt_MaximumMember_b5f5825c-8ec4-4a61-bff7-e9ee4d56bb58" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesAxis_1e4cd2d4-0b13-499e-8ea9-a8065f7017ca" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_2ae60f5e-787e-4d48-858c-795d70a4e490" xlink:to="loc_us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesAxis_1e4cd2d4-0b13-499e-8ea9-a8065f7017ca" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesDomain_1e4cd2d4-0b13-499e-8ea9-a8065f7017ca_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesAxis_1e4cd2d4-0b13-499e-8ea9-a8065f7017ca" xlink:to="loc_us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesDomain_1e4cd2d4-0b13-499e-8ea9-a8065f7017ca_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesDomain_e002d532-78c1-4763-ab59-d305cf8f3684" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesAxis_1e4cd2d4-0b13-499e-8ea9-a8065f7017ca" xlink:to="loc_us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesDomain_e002d532-78c1-4763-ab59-d305cf8f3684" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_SmallBusinessAdministrationSBACARESActPaycheckProtectionProgramMember_cce50ce4-2fbf-4aaf-b1fe-6531164be828" xlink:href="ibcp-20221231.xsd#ibcp_SmallBusinessAdministrationSBACARESActPaycheckProtectionProgramMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesDomain_e002d532-78c1-4763-ab59-d305cf8f3684" xlink:to="loc_ibcp_SmallBusinessAdministrationSBACARESActPaycheckProtectionProgramMember_cce50ce4-2fbf-4aaf-b1fe-6531164be828" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/LoansAllowanceforCreditLossesDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#LoansAllowanceforCreditLossesDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/LoansAllowanceforCreditLossesDetails" xlink:type="extended" id="ia93fdf9de33e4f25bf8b944178d35e32_LoansAllowanceforCreditLossesDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_f8b8215c-9d5f-4643-9bfb-a6627dcdd62e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_2c8ffc64-b023-404a-b89d-2cec164d69e5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_f8b8215c-9d5f-4643-9bfb-a6627dcdd62e" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_2c8ffc64-b023-404a-b89d-2cec164d69e5" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_75b62aa3-ffc2-424f-b98f-c5879b6c92dd" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_2c8ffc64-b023-404a-b89d-2cec164d69e5" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_75b62aa3-ffc2-424f-b98f-c5879b6c92dd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_AdditionsDeductionsAbstract_71c0ec7d-e1dd-4e57-ac6f-f26d89efe70c" xlink:href="ibcp-20221231.xsd#ibcp_AdditionsDeductionsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRollForward_2c8ffc64-b023-404a-b89d-2cec164d69e5" xlink:to="loc_ibcp_AdditionsDeductionsAbstract_71c0ec7d-e1dd-4e57-ac6f-f26d89efe70c" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_32324ce7-2fea-446e-97ba-56b6850c4935" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_AdditionsDeductionsAbstract_71c0ec7d-e1dd-4e57-ac6f-f26d89efe70c" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_32324ce7-2fea-446e-97ba-56b6850c4935" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate_6dac8d4f-5551-4f69-a7b4-120264f9fda4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_AdditionsDeductionsAbstract_71c0ec7d-e1dd-4e57-ac6f-f26d89efe70c" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestPurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate_6dac8d4f-5551-4f69-a7b4-120264f9fda4" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_2101c52f-ddf9-4fdb-b7b1-d85b7c364bd0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_AdditionsDeductionsAbstract_71c0ec7d-e1dd-4e57-ac6f-f26d89efe70c" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_2101c52f-ddf9-4fdb-b7b1-d85b7c364bd0" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_d402aaf7-4855-4b9e-90a2-d9d961ff263d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_AdditionsDeductionsAbstract_71c0ec7d-e1dd-4e57-ac6f-f26d89efe70c" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_d402aaf7-4855-4b9e-90a2-d9d961ff263d" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_87528e4e-f276-4773-803c-48cc4469036b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract_a8868cea-5014-4e21-9faa-4ad47bd6fee4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_f8b8215c-9d5f-4643-9bfb-a6627dcdd62e" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract_a8868cea-5014-4e21-9faa-4ad47bd6fee4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_cc275983-ce79-4cbe-a618-f118df18396b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivablePercentageOfLoansToPortfolioLoans_07eda433-7c70-4068-8768-3eb8e313e9ec" xlink:href="ibcp-20221231.xsd#ibcp_FinancingReceivablePercentageOfLoansToPortfolioLoans"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract_a8868cea-5014-4e21-9faa-4ad47bd6fee4" xlink:to="loc_ibcp_FinancingReceivablePercentageOfLoansToPortfolioLoans_07eda433-7c70-4068-8768-3eb8e313e9ec" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_23d48f60-5b3e-485a-a8ca-fcb269fec8b1" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_f8b8215c-9d5f-4643-9bfb-a6627dcdd62e" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_23d48f60-5b3e-485a-a8ca-fcb269fec8b1" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_7aacd6cf-d572-417f-8680-59b128e588f2" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_23d48f60-5b3e-485a-a8ca-fcb269fec8b1" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_7aacd6cf-d572-417f-8680-59b128e588f2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_7aacd6cf-d572-417f-8680-59b128e588f2_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_7aacd6cf-d572-417f-8680-59b128e588f2" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_7aacd6cf-d572-417f-8680-59b128e588f2_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_72eb3033-011c-422a-a9bd-d2044aa716fc" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_7aacd6cf-d572-417f-8680-59b128e588f2" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_72eb3033-011c-422a-a9bd-d2044aa716fc" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_376dbca9-914f-44bd-9871-dd22ed8dc816" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_72eb3033-011c-422a-a9bd-d2044aa716fc" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_376dbca9-914f-44bd-9871-dd22ed8dc816" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_b465dc9d-1070-4909-9365-ae4ff40a6cf1" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_72eb3033-011c-422a-a9bd-d2044aa716fc" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_b465dc9d-1070-4909-9365-ae4ff40a6cf1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentPortfolioSegmentMember_48ef0c28-24bf-4282-b65c-8d9543a80466" xlink:href="ibcp-20221231.xsd#ibcp_InstallmentPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_72eb3033-011c-422a-a9bd-d2044aa716fc" xlink:to="loc_ibcp_InstallmentPortfolioSegmentMember_48ef0c28-24bf-4282-b65c-8d9543a80466" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnallocatedFinancingReceivablesMember_72bdce6a-2145-4ae0-a709-f022cac727d0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_UnallocatedFinancingReceivablesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_72eb3033-011c-422a-a9bd-d2044aa716fc" xlink:to="loc_us-gaap_UnallocatedFinancingReceivablesMember_72bdce6a-2145-4ae0-a709-f022cac727d0" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CumulativeEffectPeriodOfAdoptionAxis_fb831bff-221f-4e93-ac76-91d668528fed" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_CumulativeEffectPeriodOfAdoptionAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_23d48f60-5b3e-485a-a8ca-fcb269fec8b1" xlink:to="loc_srt_CumulativeEffectPeriodOfAdoptionAxis_fb831bff-221f-4e93-ac76-91d668528fed" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CumulativeEffectPeriodOfAdoptionDomain_fb831bff-221f-4e93-ac76-91d668528fed_default" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_CumulativeEffectPeriodOfAdoptionDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_CumulativeEffectPeriodOfAdoptionAxis_fb831bff-221f-4e93-ac76-91d668528fed" xlink:to="loc_srt_CumulativeEffectPeriodOfAdoptionDomain_fb831bff-221f-4e93-ac76-91d668528fed_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CumulativeEffectPeriodOfAdoptionDomain_b4437f03-e1c5-45bd-bbb5-c303230715d4" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_CumulativeEffectPeriodOfAdoptionDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_CumulativeEffectPeriodOfAdoptionAxis_fb831bff-221f-4e93-ac76-91d668528fed" xlink:to="loc_srt_CumulativeEffectPeriodOfAdoptionDomain_b4437f03-e1c5-45bd-bbb5-c303230715d4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember_a67343b5-437e-47a1-993a-8b49bd7aace9" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CumulativeEffectPeriodOfAdoptionDomain_b4437f03-e1c5-45bd-bbb5-c303230715d4" xlink:to="loc_srt_CumulativeEffectPeriodOfAdoptionAdjustmentMember_a67343b5-437e-47a1-993a-8b49bd7aace9" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_b1a1c8e4-db71-4692-85be-1f03a68fef77" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AdjustmentsForNewAccountingPronouncementsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_23d48f60-5b3e-485a-a8ca-fcb269fec8b1" xlink:to="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_b1a1c8e4-db71-4692-85be-1f03a68fef77" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TypeOfAdoptionMember_b1a1c8e4-db71-4692-85be-1f03a68fef77_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TypeOfAdoptionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_b1a1c8e4-db71-4692-85be-1f03a68fef77" xlink:to="loc_us-gaap_TypeOfAdoptionMember_b1a1c8e4-db71-4692-85be-1f03a68fef77_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TypeOfAdoptionMember_69f735a0-12ad-435d-9b01-c542d9c71c25" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TypeOfAdoptionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_AdjustmentsForNewAccountingPronouncementsAxis_b1a1c8e4-db71-4692-85be-1f03a68fef77" xlink:to="loc_us-gaap_TypeOfAdoptionMember_69f735a0-12ad-435d-9b01-c542d9c71c25" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingStandardsUpdate201613Member_f5a052e2-240f-4f84-8254-c4ee416b9341" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AccountingStandardsUpdate201613Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TypeOfAdoptionMember_69f735a0-12ad-435d-9b01-c542d9c71c25" xlink:to="loc_us-gaap_AccountingStandardsUpdate201613Member_f5a052e2-240f-4f84-8254-c4ee416b9341" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/LoansReceivablesPastDueDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#LoansReceivablesPastDueDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/LoansReceivablesPastDueDetails" xlink:type="extended" id="idd1d385594854b67b38d54e18bd7dc63_LoansReceivablesPastDueDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_9cfa0a88-aef7-4671-ada3-f8293ca3ff68" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_NonPerformingLoansAbstract_fa37b81f-9745-4568-bff0-c578294cbc7a" xlink:href="ibcp-20221231.xsd#ibcp_NonPerformingLoansAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_9cfa0a88-aef7-4671-ada3-f8293ca3ff68" xlink:to="loc_ibcp_NonPerformingLoansAbstract_fa37b81f-9745-4568-bff0-c578294cbc7a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrualNoAllowance_e0bf5295-e848-4ee8-a0b8-04b84d78280e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrualNoAllowance"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_NonPerformingLoansAbstract_fa37b81f-9745-4568-bff0-c578294cbc7a" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrualNoAllowance_e0bf5295-e848-4ee8-a0b8-04b84d78280e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableNonaccrualWithAllowanceForCreditLoss_c334c8e8-f064-4855-93be-3ba776fcd973" xlink:href="ibcp-20221231.xsd#ibcp_FinancingReceivableNonaccrualWithAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_NonPerformingLoansAbstract_fa37b81f-9745-4568-bff0-c578294cbc7a" xlink:to="loc_ibcp_FinancingReceivableNonaccrualWithAllowanceForCreditLoss_c334c8e8-f064-4855-93be-3ba776fcd973" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual_ec380b94-7ff0-4c2a-be55-d99891b1ec21" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_NonPerformingLoansAbstract_fa37b81f-9745-4568-bff0-c578294cbc7a" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestNonaccrual_ec380b94-7ff0-4c2a-be55-d99891b1ec21" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing_7c9a807d-41e3-4b2f-8f95-4ab298b0ccaa" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_NonPerformingLoansAbstract_fa37b81f-9745-4568-bff0-c578294cbc7a" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterest90DaysOrMorePastDueStillAccruing_7c9a807d-41e3-4b2f-8f95-4ab298b0ccaa" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableRecordedInvestmentNonPerformingLoans_a0f0ca78-5103-4220-b264-8f863f68a00f" xlink:href="ibcp-20221231.xsd#ibcp_FinancingReceivableRecordedInvestmentNonPerformingLoans"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_NonPerformingLoansAbstract_fa37b81f-9745-4568-bff0-c578294cbc7a" xlink:to="loc_ibcp_FinancingReceivableRecordedInvestmentNonPerformingLoans_a0f0ca78-5103-4220-b264-8f863f68a00f" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss_ebf212da-31ac-48a8-b3f1-edcfc9f7db44" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_NonPerformingLoansAbstract_fa37b81f-9745-4568-bff0-c578294cbc7a" xlink:to="loc_us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss_ebf212da-31ac-48a8-b3f1-edcfc9f7db44" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableGovernmentGuaranteedLoans_44a16254-e2fe-4415-b44a-8673da32cc38" xlink:href="ibcp-20221231.xsd#ibcp_FinancingReceivableGovernmentGuaranteedLoans"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_NonPerformingLoansAbstract_fa37b81f-9745-4568-bff0-c578294cbc7a" xlink:to="loc_ibcp_FinancingReceivableGovernmentGuaranteedLoans_44a16254-e2fe-4415-b44a-8673da32cc38" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_3f6b23e1-3d6d-4a46-9178-cf043f1e823b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfFinancingReceivablesPastDueTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_9cfa0a88-aef7-4671-ada3-f8293ca3ff68" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_3f6b23e1-3d6d-4a46-9178-cf043f1e823b" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentPerformanceStatusAxis_7fca5441-8ea6-4a89-ad12-0420391ac91c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancialInstrumentPerformanceStatusAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_3f6b23e1-3d6d-4a46-9178-cf043f1e823b" xlink:to="loc_us-gaap_FinancialInstrumentPerformanceStatusAxis_7fca5441-8ea6-4a89-ad12-0420391ac91c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentPerformanceStatusDomain_7fca5441-8ea6-4a89-ad12-0420391ac91c_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancialInstrumentPerformanceStatusDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentPerformanceStatusAxis_7fca5441-8ea6-4a89-ad12-0420391ac91c" xlink:to="loc_us-gaap_FinancialInstrumentPerformanceStatusDomain_7fca5441-8ea6-4a89-ad12-0420391ac91c_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentPerformanceStatusDomain_1397337b-c9c1-4a00-ad1b-ca600f558c5c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancialInstrumentPerformanceStatusDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentPerformanceStatusAxis_7fca5441-8ea6-4a89-ad12-0420391ac91c" xlink:to="loc_us-gaap_FinancialInstrumentPerformanceStatusDomain_1397337b-c9c1-4a00-ad1b-ca600f558c5c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NonperformingFinancingReceivableMember_889a21b8-85d2-4d4a-9266-4dd8a12fc3a9" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NonperformingFinancingReceivableMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentPerformanceStatusDomain_1397337b-c9c1-4a00-ad1b-ca600f558c5c" xlink:to="loc_us-gaap_NonperformingFinancingReceivableMember_889a21b8-85d2-4d4a-9266-4dd8a12fc3a9" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_e1931f71-08f6-45df-be55-6fb2ff10b549" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_3f6b23e1-3d6d-4a46-9178-cf043f1e823b" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_e1931f71-08f6-45df-be55-6fb2ff10b549" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_e1931f71-08f6-45df-be55-6fb2ff10b549_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_e1931f71-08f6-45df-be55-6fb2ff10b549" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_e1931f71-08f6-45df-be55-6fb2ff10b549_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_4777cf7a-877e-4980-b865-9a4ac4358715" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_e1931f71-08f6-45df-be55-6fb2ff10b549" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_4777cf7a-877e-4980-b865-9a4ac4358715" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_28f13b51-d632-4a16-9aa2-2704631e2899" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_4777cf7a-877e-4980-b865-9a4ac4358715" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_28f13b51-d632-4a16-9aa2-2704631e2899" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_7a9c37ad-9c23-4ea0-9499-74ef2211a846" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_4777cf7a-877e-4980-b865-9a4ac4358715" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_7a9c37ad-9c23-4ea0-9499-74ef2211a846" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentPortfolioSegmentMember_b31a6cb1-8f51-417e-bb6c-147f21eff721" xlink:href="ibcp-20221231.xsd#ibcp_InstallmentPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_4777cf7a-877e-4980-b865-9a4ac4358715" xlink:to="loc_ibcp_InstallmentPortfolioSegmentMember_b31a6cb1-8f51-417e-bb6c-147f21eff721" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_308efa71-6741-4fa0-bb97-08fbeaa09aea" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_3f6b23e1-3d6d-4a46-9178-cf043f1e823b" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_308efa71-6741-4fa0-bb97-08fbeaa09aea" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_308efa71-6741-4fa0-bb97-08fbeaa09aea_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_308efa71-6741-4fa0-bb97-08fbeaa09aea" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_308efa71-6741-4fa0-bb97-08fbeaa09aea_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_42e54d92-4029-42b4-981f-8a2e6eb6932b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_308efa71-6741-4fa0-bb97-08fbeaa09aea" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_42e54d92-4029-42b4-981f-8a2e6eb6932b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CommercialAndIndustrialMember_403b39ea-f30c-4f9f-9d57-0cab419c3977" xlink:href="ibcp-20221231.xsd#ibcp_CommercialAndIndustrialMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_42e54d92-4029-42b4-981f-8a2e6eb6932b" xlink:to="loc_ibcp_CommercialAndIndustrialMember_403b39ea-f30c-4f9f-9d57-0cab419c3977" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CommercialRealEstateLoanMember_447c5e20-13f1-49bd-a7b1-e6c32bad11c3" xlink:href="ibcp-20221231.xsd#ibcp_CommercialRealEstateLoanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_42e54d92-4029-42b4-981f-8a2e6eb6932b" xlink:to="loc_ibcp_CommercialRealEstateLoanMember_447c5e20-13f1-49bd-a7b1-e6c32bad11c3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14OwnerOccupiedJumboMember_46547e49-ca7f-4b27-8bc4-7f6c9f6a0d7e" xlink:href="ibcp-20221231.xsd#ibcp_Family14OwnerOccupiedJumboMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_42e54d92-4029-42b4-981f-8a2e6eb6932b" xlink:to="loc_ibcp_Family14OwnerOccupiedJumboMember_46547e49-ca7f-4b27-8bc4-7f6c9f6a0d7e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14OwnerOccupiedNonJumboMember_88a8da9f-b025-4d3a-987c-2cda95594de6" xlink:href="ibcp-20221231.xsd#ibcp_Family14OwnerOccupiedNonJumboMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_42e54d92-4029-42b4-981f-8a2e6eb6932b" xlink:to="loc_ibcp_Family14OwnerOccupiedNonJumboMember_88a8da9f-b025-4d3a-987c-2cda95594de6" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14NonOwnerOccupiedMember_a25046f8-c74e-40b6-b303-a452c0d7322d" xlink:href="ibcp-20221231.xsd#ibcp_Family14NonOwnerOccupiedMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_42e54d92-4029-42b4-981f-8a2e6eb6932b" xlink:to="loc_ibcp_Family14NonOwnerOccupiedMember_a25046f8-c74e-40b6-b303-a452c0d7322d" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14SecondLienMember_e17d8f1c-4088-44e6-883b-467cde0b79be" xlink:href="ibcp-20221231.xsd#ibcp_Family14SecondLienMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_42e54d92-4029-42b4-981f-8a2e6eb6932b" xlink:to="loc_ibcp_Family14SecondLienMember_e17d8f1c-4088-44e6-883b-467cde0b79be" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ResortLendingMember_8636f66f-9016-48c2-aaaf-f5ec7fb9eb7f" xlink:href="ibcp-20221231.xsd#ibcp_ResortLendingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_42e54d92-4029-42b4-981f-8a2e6eb6932b" xlink:to="loc_ibcp_ResortLendingMember_8636f66f-9016-48c2-aaaf-f5ec7fb9eb7f" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_BoatLendingMember_1df3d1cf-d28f-42ec-9aa1-fb9a4d51edd6" xlink:href="ibcp-20221231.xsd#ibcp_BoatLendingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_42e54d92-4029-42b4-981f-8a2e6eb6932b" xlink:to="loc_ibcp_BoatLendingMember_1df3d1cf-d28f-42ec-9aa1-fb9a4d51edd6" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_RecreationalVehicleLendingMember_b423976a-868c-4c94-8ff4-c2ad0ef885c7" xlink:href="ibcp-20221231.xsd#ibcp_RecreationalVehicleLendingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_42e54d92-4029-42b4-981f-8a2e6eb6932b" xlink:to="loc_ibcp_RecreationalVehicleLendingMember_b423976a-868c-4c94-8ff4-c2ad0ef885c7" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentOtherMember_dbd8481c-99e5-4cbf-90b9-994d84c7e4dc" xlink:href="ibcp-20221231.xsd#ibcp_InstallmentOtherMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_42e54d92-4029-42b4-981f-8a2e6eb6932b" xlink:to="loc_ibcp_InstallmentOtherMember_dbd8481c-99e5-4cbf-90b9-994d84c7e4dc" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_33887f21-ffc7-4fa4-aeda-d60a9d887aca" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_3f6b23e1-3d6d-4a46-9178-cf043f1e823b" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_33887f21-ffc7-4fa4-aeda-d60a9d887aca" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_33887f21-ffc7-4fa4-aeda-d60a9d887aca_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_33887f21-ffc7-4fa4-aeda-d60a9d887aca" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_33887f21-ffc7-4fa4-aeda-d60a9d887aca_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_365841c2-6abf-4f81-a567-9dd942fc453d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_33887f21-ffc7-4fa4-aeda-d60a9d887aca" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_365841c2-6abf-4f81-a567-9dd942fc453d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_f05b89e9-1028-442b-849a-dd190602ee99" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_365841c2-6abf-4f81-a567-9dd942fc453d" xlink:to="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_f05b89e9-1028-442b-849a-dd190602ee99" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/LoansAmortizedCostofCollateraldependentLoansbyClassDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#LoansAmortizedCostofCollateraldependentLoansbyClassDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/LoansAmortizedCostofCollateraldependentLoansbyClassDetails" xlink:type="extended" id="i0e888326aae84d4c8419af1fb334f84b_LoansAmortizedCostofCollateraldependentLoansbyClassDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_d9fc6c57-8dfb-40f7-a08e-cff0e0434043" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CollateralDependentLoansByClassAbstract_325908a6-bc3e-4c2c-8bc0-1d72272367c1" xlink:href="ibcp-20221231.xsd#ibcp_CollateralDependentLoansByClassAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_d9fc6c57-8dfb-40f7-a08e-cff0e0434043" xlink:to="loc_ibcp_CollateralDependentLoansByClassAbstract_325908a6-bc3e-4c2c-8bc0-1d72272367c1" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_992da90f-326f-4e4f-8b4a-243351a69a0b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_CollateralDependentLoansByClassAbstract_325908a6-bc3e-4c2c-8bc0-1d72272367c1" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_992da90f-326f-4e4f-8b4a-243351a69a0b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_3899ff38-35f8-4bff-b6b3-915b4100ecae" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_CollateralDependentLoansByClassAbstract_325908a6-bc3e-4c2c-8bc0-1d72272367c1" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_3899ff38-35f8-4bff-b6b3-915b4100ecae" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss_fe6553b9-a9c6-4235-9954-dab6c91f020b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_CollateralDependentLoansByClassAbstract_325908a6-bc3e-4c2c-8bc0-1d72272367c1" xlink:to="loc_us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss_fe6553b9-a9c6-4235-9954-dab6c91f020b" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_bed2e17e-dc52-4d56-ab84-518368525e32" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfFinancingReceivablesPastDueTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_d9fc6c57-8dfb-40f7-a08e-cff0e0434043" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_bed2e17e-dc52-4d56-ab84-518368525e32" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_a229a456-3fb5-4f13-a59e-b49e893d5659" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_bed2e17e-dc52-4d56-ab84-518368525e32" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_a229a456-3fb5-4f13-a59e-b49e893d5659" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_a229a456-3fb5-4f13-a59e-b49e893d5659_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_a229a456-3fb5-4f13-a59e-b49e893d5659" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_a229a456-3fb5-4f13-a59e-b49e893d5659_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_bfc63874-13fc-468b-aba2-3aacd2088d16" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_a229a456-3fb5-4f13-a59e-b49e893d5659" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_bfc63874-13fc-468b-aba2-3aacd2088d16" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_d7790012-8031-4bf0-8324-ae72c6cb7f59" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_bfc63874-13fc-468b-aba2-3aacd2088d16" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_d7790012-8031-4bf0-8324-ae72c6cb7f59" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_428a45ea-e85b-4856-b931-08d670726287" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_bfc63874-13fc-468b-aba2-3aacd2088d16" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_428a45ea-e85b-4856-b931-08d670726287" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentPortfolioSegmentMember_495b63ba-b10d-4a71-8cd8-b4c0584c29cd" xlink:href="ibcp-20221231.xsd#ibcp_InstallmentPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_bfc63874-13fc-468b-aba2-3aacd2088d16" xlink:to="loc_ibcp_InstallmentPortfolioSegmentMember_495b63ba-b10d-4a71-8cd8-b4c0584c29cd" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_51a9c0cc-6384-4d0c-9925-5f90326bc2d8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_bed2e17e-dc52-4d56-ab84-518368525e32" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_51a9c0cc-6384-4d0c-9925-5f90326bc2d8" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_51a9c0cc-6384-4d0c-9925-5f90326bc2d8_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_51a9c0cc-6384-4d0c-9925-5f90326bc2d8" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_51a9c0cc-6384-4d0c-9925-5f90326bc2d8_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_c7f492be-f460-4d6c-8c49-f03741fd1aae" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_51a9c0cc-6384-4d0c-9925-5f90326bc2d8" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_c7f492be-f460-4d6c-8c49-f03741fd1aae" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CommercialAndIndustrialMember_dda38a4a-5bbf-4500-8960-ec052af42ee2" xlink:href="ibcp-20221231.xsd#ibcp_CommercialAndIndustrialMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_c7f492be-f460-4d6c-8c49-f03741fd1aae" xlink:to="loc_ibcp_CommercialAndIndustrialMember_dda38a4a-5bbf-4500-8960-ec052af42ee2" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CommercialRealEstateLoanMember_1d647c98-dc9e-4eb3-afe7-5df44bc67ad5" xlink:href="ibcp-20221231.xsd#ibcp_CommercialRealEstateLoanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_c7f492be-f460-4d6c-8c49-f03741fd1aae" xlink:to="loc_ibcp_CommercialRealEstateLoanMember_1d647c98-dc9e-4eb3-afe7-5df44bc67ad5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14OwnerOccupiedJumboMember_48c477f3-25b3-40bc-ab6a-7d956fac5e35" xlink:href="ibcp-20221231.xsd#ibcp_Family14OwnerOccupiedJumboMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_c7f492be-f460-4d6c-8c49-f03741fd1aae" xlink:to="loc_ibcp_Family14OwnerOccupiedJumboMember_48c477f3-25b3-40bc-ab6a-7d956fac5e35" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14OwnerOccupiedNonJumboMember_c2070fd4-1642-46ef-a439-18b7dfd9aa48" xlink:href="ibcp-20221231.xsd#ibcp_Family14OwnerOccupiedNonJumboMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_c7f492be-f460-4d6c-8c49-f03741fd1aae" xlink:to="loc_ibcp_Family14OwnerOccupiedNonJumboMember_c2070fd4-1642-46ef-a439-18b7dfd9aa48" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14NonOwnerOccupiedMember_dafdbbb3-60cd-4999-8baf-7add3bf993dc" xlink:href="ibcp-20221231.xsd#ibcp_Family14NonOwnerOccupiedMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_c7f492be-f460-4d6c-8c49-f03741fd1aae" xlink:to="loc_ibcp_Family14NonOwnerOccupiedMember_dafdbbb3-60cd-4999-8baf-7add3bf993dc" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14SecondLienMember_05208291-8685-4119-95ea-48b443cb0053" xlink:href="ibcp-20221231.xsd#ibcp_Family14SecondLienMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_c7f492be-f460-4d6c-8c49-f03741fd1aae" xlink:to="loc_ibcp_Family14SecondLienMember_05208291-8685-4119-95ea-48b443cb0053" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ResortLendingMember_a6ce41b0-9e0d-4976-9bc1-5982cc361142" xlink:href="ibcp-20221231.xsd#ibcp_ResortLendingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_c7f492be-f460-4d6c-8c49-f03741fd1aae" xlink:to="loc_ibcp_ResortLendingMember_a6ce41b0-9e0d-4976-9bc1-5982cc361142" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_BoatLendingMember_4dec90b2-9bc8-453e-95a8-113f9ba36b43" xlink:href="ibcp-20221231.xsd#ibcp_BoatLendingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_c7f492be-f460-4d6c-8c49-f03741fd1aae" xlink:to="loc_ibcp_BoatLendingMember_4dec90b2-9bc8-453e-95a8-113f9ba36b43" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_RecreationalVehicleLendingMember_999230fe-54e2-41cc-a77f-f7181dcd7436" xlink:href="ibcp-20221231.xsd#ibcp_RecreationalVehicleLendingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_c7f492be-f460-4d6c-8c49-f03741fd1aae" xlink:to="loc_ibcp_RecreationalVehicleLendingMember_999230fe-54e2-41cc-a77f-f7181dcd7436" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentOtherMember_9c582e8f-9e37-4fc0-a430-04b0042b9520" xlink:href="ibcp-20221231.xsd#ibcp_InstallmentOtherMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_c7f492be-f460-4d6c-8c49-f03741fd1aae" xlink:to="loc_ibcp_InstallmentOtherMember_9c582e8f-9e37-4fc0-a430-04b0042b9520" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralAxis_779a15d2-61c8-4af2-9279-c912cda09604" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CollateralAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_bed2e17e-dc52-4d56-ab84-518368525e32" xlink:to="loc_us-gaap_CollateralAxis_779a15d2-61c8-4af2-9279-c912cda09604" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralDomain_779a15d2-61c8-4af2-9279-c912cda09604_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CollateralDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_CollateralAxis_779a15d2-61c8-4af2-9279-c912cda09604" xlink:to="loc_us-gaap_CollateralDomain_779a15d2-61c8-4af2-9279-c912cda09604_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralDomain_f759e50c-3653-47b1-8ca7-eb7d794f2c76" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CollateralDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_CollateralAxis_779a15d2-61c8-4af2-9279-c912cda09604" xlink:to="loc_us-gaap_CollateralDomain_f759e50c-3653-47b1-8ca7-eb7d794f2c76" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateMember_6f3ce276-b281-4c46-8e1b-6e7fc0481ad2" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_RealEstateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CollateralDomain_f759e50c-3653-47b1-8ca7-eb7d794f2c76" xlink:to="loc_us-gaap_RealEstateMember_6f3ce276-b281-4c46-8e1b-6e7fc0481ad2" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_OtherCollateralLoanMember_20e7c7e9-0401-4d7d-a58f-54d35add3851" xlink:href="ibcp-20221231.xsd#ibcp_OtherCollateralLoanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CollateralDomain_f759e50c-3653-47b1-8ca7-eb7d794f2c76" xlink:to="loc_ibcp_OtherCollateralLoanMember_20e7c7e9-0401-4d7d-a58f-54d35add3851" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CollateralDependentLoanMember_de965a1a-b4fe-4b09-beb6-1a93c3200948" xlink:href="ibcp-20221231.xsd#ibcp_CollateralDependentLoanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CollateralDomain_f759e50c-3653-47b1-8ca7-eb7d794f2c76" xlink:to="loc_ibcp_CollateralDependentLoanMember_de965a1a-b4fe-4b09-beb6-1a93c3200948" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/LoansAgingAnalysisofLoansbyClassDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#LoansAgingAnalysisofLoansbyClassDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/LoansAgingAnalysisofLoansbyClassDetails" xlink:type="extended" id="i4568da2d0dd1491c901c74f78fbbec85_LoansAgingAnalysisofLoansbyClassDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_04ee5865-cd6b-497a-982b-703b7e2cfba8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_AgingAnalysisOfLoansByClassAbstract_71bc2114-cba8-4875-b731-391eb75815b0" xlink:href="ibcp-20221231.xsd#ibcp_AgingAnalysisOfLoansByClassAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_04ee5865-cd6b-497a-982b-703b7e2cfba8" xlink:to="loc_ibcp_AgingAnalysisOfLoansByClassAbstract_71bc2114-cba8-4875-b731-391eb75815b0" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_a1eb88ce-73c4-4f72-a764-e05a16e4f058" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_AgingAnalysisOfLoansByClassAbstract_71bc2114-cba8-4875-b731-391eb75815b0" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_a1eb88ce-73c4-4f72-a764-e05a16e4f058" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss_247398cc-e7ec-42cb-8f8c-e6dfb0ee5e14" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_AgingAnalysisOfLoansByClassAbstract_71bc2114-cba8-4875-b731-391eb75815b0" xlink:to="loc_us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss_247398cc-e7ec-42cb-8f8c-e6dfb0ee5e14" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_fa08c83f-16b1-4083-951f-b4f0808dabdf" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfFinancingReceivablesPastDueTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_04ee5865-cd6b-497a-982b-703b7e2cfba8" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_fa08c83f-16b1-4083-951f-b4f0808dabdf" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_2f238ec4-60f0-4fb6-8320-6fd7fa65b134" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_fa08c83f-16b1-4083-951f-b4f0808dabdf" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_2f238ec4-60f0-4fb6-8320-6fd7fa65b134" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_2f238ec4-60f0-4fb6-8320-6fd7fa65b134_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_2f238ec4-60f0-4fb6-8320-6fd7fa65b134" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_2f238ec4-60f0-4fb6-8320-6fd7fa65b134_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_fe4c6609-a0de-4ae1-a4d3-277b4f69ff66" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_2f238ec4-60f0-4fb6-8320-6fd7fa65b134" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_fe4c6609-a0de-4ae1-a4d3-277b4f69ff66" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_a5de5398-6f4d-4a14-8767-8951e0011d4f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_fe4c6609-a0de-4ae1-a4d3-277b4f69ff66" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_a5de5398-6f4d-4a14-8767-8951e0011d4f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_b0a90d67-4a84-4681-84eb-f28bc585bc4f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_fe4c6609-a0de-4ae1-a4d3-277b4f69ff66" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_b0a90d67-4a84-4681-84eb-f28bc585bc4f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentPortfolioSegmentMember_ac827e46-fe38-4019-ba80-2345df813ed7" xlink:href="ibcp-20221231.xsd#ibcp_InstallmentPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_fe4c6609-a0de-4ae1-a4d3-277b4f69ff66" xlink:to="loc_ibcp_InstallmentPortfolioSegmentMember_ac827e46-fe38-4019-ba80-2345df813ed7" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_8cb0099a-842f-47b6-802c-2c62732e55f7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_fa08c83f-16b1-4083-951f-b4f0808dabdf" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_8cb0099a-842f-47b6-802c-2c62732e55f7" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_8cb0099a-842f-47b6-802c-2c62732e55f7_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_8cb0099a-842f-47b6-802c-2c62732e55f7" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_8cb0099a-842f-47b6-802c-2c62732e55f7_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_9aaed7ea-00a0-428a-bd4d-50f97fa60b2a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_8cb0099a-842f-47b6-802c-2c62732e55f7" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_9aaed7ea-00a0-428a-bd4d-50f97fa60b2a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CommercialAndIndustrialMember_87cec115-0047-4b17-91d3-2a55d8fb268f" xlink:href="ibcp-20221231.xsd#ibcp_CommercialAndIndustrialMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_9aaed7ea-00a0-428a-bd4d-50f97fa60b2a" xlink:to="loc_ibcp_CommercialAndIndustrialMember_87cec115-0047-4b17-91d3-2a55d8fb268f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CommercialRealEstateLoanMember_232c26b9-f414-47e3-a18f-21ffee961ac8" xlink:href="ibcp-20221231.xsd#ibcp_CommercialRealEstateLoanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_9aaed7ea-00a0-428a-bd4d-50f97fa60b2a" xlink:to="loc_ibcp_CommercialRealEstateLoanMember_232c26b9-f414-47e3-a18f-21ffee961ac8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14OwnerOccupiedJumboMember_219ea13c-5068-4a6f-a426-c561298b4307" xlink:href="ibcp-20221231.xsd#ibcp_Family14OwnerOccupiedJumboMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_9aaed7ea-00a0-428a-bd4d-50f97fa60b2a" xlink:to="loc_ibcp_Family14OwnerOccupiedJumboMember_219ea13c-5068-4a6f-a426-c561298b4307" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14OwnerOccupiedNonJumboMember_0f4fbb64-f818-468a-935b-09663d10c884" xlink:href="ibcp-20221231.xsd#ibcp_Family14OwnerOccupiedNonJumboMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_9aaed7ea-00a0-428a-bd4d-50f97fa60b2a" xlink:to="loc_ibcp_Family14OwnerOccupiedNonJumboMember_0f4fbb64-f818-468a-935b-09663d10c884" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14NonOwnerOccupiedMember_8e78dd9e-485f-48c1-91ea-bd90fca81713" xlink:href="ibcp-20221231.xsd#ibcp_Family14NonOwnerOccupiedMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_9aaed7ea-00a0-428a-bd4d-50f97fa60b2a" xlink:to="loc_ibcp_Family14NonOwnerOccupiedMember_8e78dd9e-485f-48c1-91ea-bd90fca81713" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14SecondLienMember_08b72030-4325-4ab6-8ddf-52881ee39dac" xlink:href="ibcp-20221231.xsd#ibcp_Family14SecondLienMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_9aaed7ea-00a0-428a-bd4d-50f97fa60b2a" xlink:to="loc_ibcp_Family14SecondLienMember_08b72030-4325-4ab6-8ddf-52881ee39dac" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ResortLendingMember_89c5d837-768e-41bb-949e-e0733eea374c" xlink:href="ibcp-20221231.xsd#ibcp_ResortLendingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_9aaed7ea-00a0-428a-bd4d-50f97fa60b2a" xlink:to="loc_ibcp_ResortLendingMember_89c5d837-768e-41bb-949e-e0733eea374c" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_BoatLendingMember_4ce06273-dfc9-406d-9924-71abb3839c0a" xlink:href="ibcp-20221231.xsd#ibcp_BoatLendingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_9aaed7ea-00a0-428a-bd4d-50f97fa60b2a" xlink:to="loc_ibcp_BoatLendingMember_4ce06273-dfc9-406d-9924-71abb3839c0a" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_RecreationalVehicleLendingMember_f644f382-283b-4e36-a96b-db84fcd6a012" xlink:href="ibcp-20221231.xsd#ibcp_RecreationalVehicleLendingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_9aaed7ea-00a0-428a-bd4d-50f97fa60b2a" xlink:to="loc_ibcp_RecreationalVehicleLendingMember_f644f382-283b-4e36-a96b-db84fcd6a012" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentOtherMember_87c5d90e-c6ac-4b74-b6a9-e95413519d44" xlink:href="ibcp-20221231.xsd#ibcp_InstallmentOtherMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_9aaed7ea-00a0-428a-bd4d-50f97fa60b2a" xlink:to="loc_ibcp_InstallmentOtherMember_87c5d90e-c6ac-4b74-b6a9-e95413519d44" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_b6cb74bc-01b9-46ed-b5bc-91b1a7762886" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_fa08c83f-16b1-4083-951f-b4f0808dabdf" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_b6cb74bc-01b9-46ed-b5bc-91b1a7762886" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_b6cb74bc-01b9-46ed-b5bc-91b1a7762886_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_b6cb74bc-01b9-46ed-b5bc-91b1a7762886" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_b6cb74bc-01b9-46ed-b5bc-91b1a7762886_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_2ad3627d-5501-40dc-8755-7ec518516006" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_b6cb74bc-01b9-46ed-b5bc-91b1a7762886" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_2ad3627d-5501-40dc-8755-7ec518516006" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetPastDueMember_cd8de8cd-7071-4bad-b23c-5d2dbff08536" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancialAssetPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_2ad3627d-5501-40dc-8755-7ec518516006" xlink:to="loc_us-gaap_FinancialAssetPastDueMember_cd8de8cd-7071-4bad-b23c-5d2dbff08536" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_662533d8-a02b-4ff3-8864-941df3126ed0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivables30To59DaysPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialAssetPastDueMember_cd8de8cd-7071-4bad-b23c-5d2dbff08536" xlink:to="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_662533d8-a02b-4ff3-8864-941df3126ed0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_ea0f4c40-3dbb-4b15-ba08-02c17d24b390" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivables60To89DaysPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialAssetPastDueMember_cd8de8cd-7071-4bad-b23c-5d2dbff08536" xlink:to="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_ea0f4c40-3dbb-4b15-ba08-02c17d24b390" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_02ba59dc-8fb1-43fb-9667-cb91201e5d5b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialAssetPastDueMember_cd8de8cd-7071-4bad-b23c-5d2dbff08536" xlink:to="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_02ba59dc-8fb1-43fb-9667-cb91201e5d5b" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables1To29DaysPastDueMember_affebe00-7f5a-4b55-8d57-2974c9d54df2" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivables1To29DaysPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_2ad3627d-5501-40dc-8755-7ec518516006" xlink:to="loc_us-gaap_FinancingReceivables1To29DaysPastDueMember_affebe00-7f5a-4b55-8d57-2974c9d54df2" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/LoansImpairedLoansDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#LoansImpairedLoansDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/LoansImpairedLoansDetails" xlink:type="extended" id="i22bde2a264a14014ae98b09856ebf11a_LoansImpairedLoansDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableImpairedLineItems_7fd33aa8-afc7-47e8-b23a-858ffb0afefd" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableImpairedLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableRecordedInvestmentAbstract_97c5a68d-24e2-4c25-bde3-9aca3b7d5028" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ImpairedFinancingReceivableRecordedInvestmentAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableImpairedLineItems_7fd33aa8-afc7-47e8-b23a-858ffb0afefd" xlink:to="loc_us-gaap_ImpairedFinancingReceivableRecordedInvestmentAbstract_97c5a68d-24e2-4c25-bde3-9aca3b7d5028" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_a641e64a-22eb-40bd-855a-fceb894da959" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ImpairedFinancingReceivableRecordedInvestmentAbstract_97c5a68d-24e2-4c25-bde3-9aca3b7d5028" xlink:to="loc_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment_a641e64a-22eb-40bd-855a-fceb894da959" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod_310fa9f6-2e01-4162-98b8-cbf14586aaab" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ImpairedFinancingReceivableRecordedInvestmentAbstract_97c5a68d-24e2-4c25-bde3-9aca3b7d5028" xlink:to="loc_us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeAccrualMethod_310fa9f6-2e01-4162-98b8-cbf14586aaab" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment_0ad23429-0ad2-4b81-9048-efa814a4ac7d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ImpairedFinancingReceivableRecordedInvestmentAbstract_97c5a68d-24e2-4c25-bde3-9aca3b7d5028" xlink:to="loc_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment_0ad23429-0ad2-4b81-9048-efa814a4ac7d" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod_8163d8e9-2a02-4911-a3bc-f1f116dda550" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ImpairedFinancingReceivableRecordedInvestmentAbstract_97c5a68d-24e2-4c25-bde3-9aca3b7d5028" xlink:to="loc_us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeAccrualMethod_8163d8e9-2a02-4911-a3bc-f1f116dda550" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment_77814df0-023e-434b-ad56-35d41b69f23e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ImpairedFinancingReceivableRecordedInvestmentAbstract_97c5a68d-24e2-4c25-bde3-9aca3b7d5028" xlink:to="loc_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment_77814df0-023e-434b-ad56-35d41b69f23e" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod_f1d2a222-a117-4b8a-975b-670c74618933" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ImpairedFinancingReceivableRecordedInvestmentAbstract_97c5a68d-24e2-4c25-bde3-9aca3b7d5028" xlink:to="loc_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod_f1d2a222-a117-4b8a-975b-670c74618933" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfImpairedFinancingReceivableTable_5f5b68d3-f643-4bd7-9643-d9b03d0612eb" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FinancingReceivableImpairedLineItems_7fd33aa8-afc7-47e8-b23a-858ffb0afefd" xlink:to="loc_us-gaap_ScheduleOfImpairedFinancingReceivableTable_5f5b68d3-f643-4bd7-9643-d9b03d0612eb" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_983a26d3-5c6a-40fb-a7a4-40d984beaa7f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfImpairedFinancingReceivableTable_5f5b68d3-f643-4bd7-9643-d9b03d0612eb" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_983a26d3-5c6a-40fb-a7a4-40d984beaa7f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_983a26d3-5c6a-40fb-a7a4-40d984beaa7f_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_983a26d3-5c6a-40fb-a7a4-40d984beaa7f" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_983a26d3-5c6a-40fb-a7a4-40d984beaa7f_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_826e8850-b933-4736-97c2-6707aa304b7a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_983a26d3-5c6a-40fb-a7a4-40d984beaa7f" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_826e8850-b933-4736-97c2-6707aa304b7a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_5a3750af-5728-46ce-a146-8b7d62b9aa63" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_826e8850-b933-4736-97c2-6707aa304b7a" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_5a3750af-5728-46ce-a146-8b7d62b9aa63" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_37747e26-8fbd-4f43-af09-ca3184568b34" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_826e8850-b933-4736-97c2-6707aa304b7a" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_37747e26-8fbd-4f43-af09-ca3184568b34" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentPortfolioSegmentMember_1e1c241f-d042-4da8-a251-4808e4291bbc" xlink:href="ibcp-20221231.xsd#ibcp_InstallmentPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_826e8850-b933-4736-97c2-6707aa304b7a" xlink:to="loc_ibcp_InstallmentPortfolioSegmentMember_1e1c241f-d042-4da8-a251-4808e4291bbc" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_aedc16d8-e5c6-47b5-a99d-a172df865eb6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfImpairedFinancingReceivableTable_5f5b68d3-f643-4bd7-9643-d9b03d0612eb" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_aedc16d8-e5c6-47b5-a99d-a172df865eb6" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_aedc16d8-e5c6-47b5-a99d-a172df865eb6_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_aedc16d8-e5c6-47b5-a99d-a172df865eb6" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_aedc16d8-e5c6-47b5-a99d-a172df865eb6_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_fc2be99d-1b40-47e8-8e13-e15b49015ece" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_aedc16d8-e5c6-47b5-a99d-a172df865eb6" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_fc2be99d-1b40-47e8-8e13-e15b49015ece" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CommercialAndIndustrialMember_5538995d-584d-4175-93e3-610260d73b6d" xlink:href="ibcp-20221231.xsd#ibcp_CommercialAndIndustrialMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_fc2be99d-1b40-47e8-8e13-e15b49015ece" xlink:to="loc_ibcp_CommercialAndIndustrialMember_5538995d-584d-4175-93e3-610260d73b6d" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CommercialRealEstateLoanMember_68ccc312-8005-4ff1-b635-e750c8e1f3c0" xlink:href="ibcp-20221231.xsd#ibcp_CommercialRealEstateLoanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_fc2be99d-1b40-47e8-8e13-e15b49015ece" xlink:to="loc_ibcp_CommercialRealEstateLoanMember_68ccc312-8005-4ff1-b635-e750c8e1f3c0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14OwnerOccupiedJumboMember_5855822f-6fc4-43cb-b3a3-481929c42d0c" xlink:href="ibcp-20221231.xsd#ibcp_Family14OwnerOccupiedJumboMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_fc2be99d-1b40-47e8-8e13-e15b49015ece" xlink:to="loc_ibcp_Family14OwnerOccupiedJumboMember_5855822f-6fc4-43cb-b3a3-481929c42d0c" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14OwnerOccupiedNonJumboMember_4b466927-f111-450e-a7df-85ce2df5d2d5" xlink:href="ibcp-20221231.xsd#ibcp_Family14OwnerOccupiedNonJumboMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_fc2be99d-1b40-47e8-8e13-e15b49015ece" xlink:to="loc_ibcp_Family14OwnerOccupiedNonJumboMember_4b466927-f111-450e-a7df-85ce2df5d2d5" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14NonOwnerOccupiedMember_ee373ac7-8392-4613-8012-aa3bbf4963e0" xlink:href="ibcp-20221231.xsd#ibcp_Family14NonOwnerOccupiedMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_fc2be99d-1b40-47e8-8e13-e15b49015ece" xlink:to="loc_ibcp_Family14NonOwnerOccupiedMember_ee373ac7-8392-4613-8012-aa3bbf4963e0" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14SecondLienMember_ff9c90b3-6099-4ab1-9c68-1669c9007b0f" xlink:href="ibcp-20221231.xsd#ibcp_Family14SecondLienMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_fc2be99d-1b40-47e8-8e13-e15b49015ece" xlink:to="loc_ibcp_Family14SecondLienMember_ff9c90b3-6099-4ab1-9c68-1669c9007b0f" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ResortLendingMember_097ae1f2-56db-4e60-954a-64de12e2c93e" xlink:href="ibcp-20221231.xsd#ibcp_ResortLendingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_fc2be99d-1b40-47e8-8e13-e15b49015ece" xlink:to="loc_ibcp_ResortLendingMember_097ae1f2-56db-4e60-954a-64de12e2c93e" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_BoatLendingMember_62554a58-6349-4d8d-bfe7-1d3f08423eb2" xlink:href="ibcp-20221231.xsd#ibcp_BoatLendingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_fc2be99d-1b40-47e8-8e13-e15b49015ece" xlink:to="loc_ibcp_BoatLendingMember_62554a58-6349-4d8d-bfe7-1d3f08423eb2" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_RecreationalVehicleLendingMember_c4063ce3-c63a-4061-904a-b46256b90ba4" xlink:href="ibcp-20221231.xsd#ibcp_RecreationalVehicleLendingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_fc2be99d-1b40-47e8-8e13-e15b49015ece" xlink:to="loc_ibcp_RecreationalVehicleLendingMember_c4063ce3-c63a-4061-904a-b46256b90ba4" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentOtherMember_26d39dbc-05f7-4b5d-9a7c-e9ea21a35483" xlink:href="ibcp-20221231.xsd#ibcp_InstallmentOtherMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_fc2be99d-1b40-47e8-8e13-e15b49015ece" xlink:to="loc_ibcp_InstallmentOtherMember_26d39dbc-05f7-4b5d-9a7c-e9ea21a35483" xlink:type="arc" order="9"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/LoansTroubledDebtRestructuringsDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#LoansTroubledDebtRestructuringsDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/LoansTroubledDebtRestructuringsDetails" xlink:type="extended" id="i8e587c4b68a84b7385292d0ae9fef052_LoansTroubledDebtRestructuringsDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsLineItems_848228ab-7299-4daf-99aa-1e4db6c5c94f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableModificationsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_TroubledDebtRestructuringAbstract_14fbf198-c644-4eb1-908b-fe1823d3d580" xlink:href="ibcp-20221231.xsd#ibcp_TroubledDebtRestructuringAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_848228ab-7299-4daf-99aa-1e4db6c5c94f" xlink:to="loc_ibcp_TroubledDebtRestructuringAbstract_14fbf198-c644-4eb1-908b-fe1823d3d580" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_TroubledDebtRestructuring_094dee21-2479-4e9b-906f-5c606fe35a4d" xlink:href="ibcp-20221231.xsd#ibcp_TroubledDebtRestructuring"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_TroubledDebtRestructuringAbstract_14fbf198-c644-4eb1-908b-fe1823d3d580" xlink:to="loc_ibcp_TroubledDebtRestructuring_094dee21-2479-4e9b-906f-5c606fe35a4d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_NumberOfConsecutiveTimelyPaymentsRequired_4a3b0e80-86b3-4a0b-8e63-9c912c8a0f76" xlink:href="ibcp-20221231.xsd#ibcp_NumberOfConsecutiveTimelyPaymentsRequired"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_TroubledDebtRestructuringAbstract_14fbf198-c644-4eb1-908b-fe1823d3d580" xlink:to="loc_ibcp_NumberOfConsecutiveTimelyPaymentsRequired_4a3b0e80-86b3-4a0b-8e63-9c912c8a0f76" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_e34f1b9b-845f-49ae-89d5-b38adf61dbfb" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_848228ab-7299-4daf-99aa-1e4db6c5c94f" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_e34f1b9b-845f-49ae-89d5-b38adf61dbfb" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_9ba12689-351f-41ce-b393-162d675e9007" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_e34f1b9b-845f-49ae-89d5-b38adf61dbfb" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_9ba12689-351f-41ce-b393-162d675e9007" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_9ba12689-351f-41ce-b393-162d675e9007_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_9ba12689-351f-41ce-b393-162d675e9007" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_9ba12689-351f-41ce-b393-162d675e9007_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_19b32f4a-a6a5-4c7a-abb7-7e9e62e538f9" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_9ba12689-351f-41ce-b393-162d675e9007" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_19b32f4a-a6a5-4c7a-abb7-7e9e62e538f9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_1885d020-388f-4632-85bd-16af8557f23d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_19b32f4a-a6a5-4c7a-abb7-7e9e62e538f9" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_1885d020-388f-4632-85bd-16af8557f23d" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerPortfolioSegmentMember_fabd50a1-e413-4bac-93a0-ecc4866909f8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ConsumerPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_19b32f4a-a6a5-4c7a-abb7-7e9e62e538f9" xlink:to="loc_us-gaap_ConsumerPortfolioSegmentMember_fabd50a1-e413-4bac-93a0-ecc4866909f8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentAxis_7f3180eb-98a1-42bc-8f2f-8fd8fadb3f77" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InternalCreditAssessmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_e34f1b9b-845f-49ae-89d5-b38adf61dbfb" xlink:to="loc_us-gaap_InternalCreditAssessmentAxis_7f3180eb-98a1-42bc-8f2f-8fd8fadb3f77" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentDomain_7f3180eb-98a1-42bc-8f2f-8fd8fadb3f77_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InternalCreditAssessmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_InternalCreditAssessmentAxis_7f3180eb-98a1-42bc-8f2f-8fd8fadb3f77" xlink:to="loc_us-gaap_InternalCreditAssessmentDomain_7f3180eb-98a1-42bc-8f2f-8fd8fadb3f77_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentDomain_132aca84-2833-4a1c-9c32-0ad5125303c5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InternalCreditAssessmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_InternalCreditAssessmentAxis_7f3180eb-98a1-42bc-8f2f-8fd8fadb3f77" xlink:to="loc_us-gaap_InternalCreditAssessmentDomain_132aca84-2833-4a1c-9c32-0ad5125303c5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PerformingFinancingReceivableMember_8b8138fe-3b00-4309-8df0-a69bc69704fb" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PerformingFinancingReceivableMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_132aca84-2833-4a1c-9c32-0ad5125303c5" xlink:to="loc_us-gaap_PerformingFinancingReceivableMember_8b8138fe-3b00-4309-8df0-a69bc69704fb" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NonperformingFinancingReceivableMember_46be8d0b-2ffa-44d7-85d6-7cefde60f8a1" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NonperformingFinancingReceivableMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_132aca84-2833-4a1c-9c32-0ad5125303c5" xlink:to="loc_us-gaap_NonperformingFinancingReceivableMember_46be8d0b-2ffa-44d7-85d6-7cefde60f8a1" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/LoansLoansClassifiedasTroubledDebtRestructuringsDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#LoansLoansClassifiedasTroubledDebtRestructuringsDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/LoansLoansClassifiedasTroubledDebtRestructuringsDetails" xlink:type="extended" id="ib40660a7a4914a6683948aaf06d9090a_LoansLoansClassifiedasTroubledDebtRestructuringsDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableImpairedLineItems_6101c7a2-6d0e-4958-8cc9-6b45abaa6956" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableImpairedLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_LoansClassifiedAsTroubledDebtRestructuringsAbstract_076b7aab-c90e-4a9b-b394-1e69e3518648" xlink:href="ibcp-20221231.xsd#ibcp_LoansClassifiedAsTroubledDebtRestructuringsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableImpairedLineItems_6101c7a2-6d0e-4958-8cc9-6b45abaa6956" xlink:to="loc_ibcp_LoansClassifiedAsTroubledDebtRestructuringsAbstract_076b7aab-c90e-4a9b-b394-1e69e3518648" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsNumberOfContracts2_271a3ea0-8b73-4512-b2a1-55a621d62c59" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableModificationsNumberOfContracts2"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_LoansClassifiedAsTroubledDebtRestructuringsAbstract_076b7aab-c90e-4a9b-b394-1e69e3518648" xlink:to="loc_us-gaap_FinancingReceivableModificationsNumberOfContracts2_271a3ea0-8b73-4512-b2a1-55a621d62c59" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2_f2e7e7be-1b00-4e8b-8aea-54e65e2b5c29" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_LoansClassifiedAsTroubledDebtRestructuringsAbstract_076b7aab-c90e-4a9b-b394-1e69e3518648" xlink:to="loc_us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2_f2e7e7be-1b00-4e8b-8aea-54e65e2b5c29" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_40ccf655-492d-4554-af4b-f0164f76e28f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_LoansClassifiedAsTroubledDebtRestructuringsAbstract_076b7aab-c90e-4a9b-b394-1e69e3518648" xlink:to="loc_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_40ccf655-492d-4554-af4b-f0164f76e28f" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfImpairedFinancingReceivableTable_aa5b419e-003e-4b9b-b572-f10965bf27f1" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FinancingReceivableImpairedLineItems_6101c7a2-6d0e-4958-8cc9-6b45abaa6956" xlink:to="loc_us-gaap_ScheduleOfImpairedFinancingReceivableTable_aa5b419e-003e-4b9b-b572-f10965bf27f1" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_bf210338-8ed8-4ced-9923-fe96799195b2" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfImpairedFinancingReceivableTable_aa5b419e-003e-4b9b-b572-f10965bf27f1" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_bf210338-8ed8-4ced-9923-fe96799195b2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_bf210338-8ed8-4ced-9923-fe96799195b2_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_bf210338-8ed8-4ced-9923-fe96799195b2" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_bf210338-8ed8-4ced-9923-fe96799195b2_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_e20f40b3-e564-47c9-abcd-eb1f3581e55d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_bf210338-8ed8-4ced-9923-fe96799195b2" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_e20f40b3-e564-47c9-abcd-eb1f3581e55d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_cb434842-925c-47a2-a1eb-debdac9bb2e6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_e20f40b3-e564-47c9-abcd-eb1f3581e55d" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_cb434842-925c-47a2-a1eb-debdac9bb2e6" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_6674ea24-16da-447c-9b16-cfaed1391f74" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_e20f40b3-e564-47c9-abcd-eb1f3581e55d" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_6674ea24-16da-447c-9b16-cfaed1391f74" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentPortfolioSegmentMember_0452ae65-f031-4f3c-b912-8a95b9ed4117" xlink:href="ibcp-20221231.xsd#ibcp_InstallmentPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_e20f40b3-e564-47c9-abcd-eb1f3581e55d" xlink:to="loc_ibcp_InstallmentPortfolioSegmentMember_0452ae65-f031-4f3c-b912-8a95b9ed4117" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_0dab0ac2-8693-4c2e-b6ab-aaf749cfcbfc" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfImpairedFinancingReceivableTable_aa5b419e-003e-4b9b-b572-f10965bf27f1" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_0dab0ac2-8693-4c2e-b6ab-aaf749cfcbfc" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_0dab0ac2-8693-4c2e-b6ab-aaf749cfcbfc_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_0dab0ac2-8693-4c2e-b6ab-aaf749cfcbfc" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_0dab0ac2-8693-4c2e-b6ab-aaf749cfcbfc_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_44a0289a-ae89-4643-9843-41df9cfbd12f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_0dab0ac2-8693-4c2e-b6ab-aaf749cfcbfc" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_44a0289a-ae89-4643-9843-41df9cfbd12f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CommercialAndIndustrialMember_5c9025a8-3e30-42eb-b728-6f947edfdd19" xlink:href="ibcp-20221231.xsd#ibcp_CommercialAndIndustrialMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_44a0289a-ae89-4643-9843-41df9cfbd12f" xlink:to="loc_ibcp_CommercialAndIndustrialMember_5c9025a8-3e30-42eb-b728-6f947edfdd19" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CommercialRealEstateLoanMember_0987345c-99c6-49e2-b3ea-b812b8ccf1a0" xlink:href="ibcp-20221231.xsd#ibcp_CommercialRealEstateLoanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_44a0289a-ae89-4643-9843-41df9cfbd12f" xlink:to="loc_ibcp_CommercialRealEstateLoanMember_0987345c-99c6-49e2-b3ea-b812b8ccf1a0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14OwnerOccupiedJumboMember_e84261d1-c8f5-426e-9844-53785d68d074" xlink:href="ibcp-20221231.xsd#ibcp_Family14OwnerOccupiedJumboMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_44a0289a-ae89-4643-9843-41df9cfbd12f" xlink:to="loc_ibcp_Family14OwnerOccupiedJumboMember_e84261d1-c8f5-426e-9844-53785d68d074" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14OwnerOccupiedNonJumboMember_c73a34ee-ed8d-4930-a3c4-61dc2c9b9f86" xlink:href="ibcp-20221231.xsd#ibcp_Family14OwnerOccupiedNonJumboMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_44a0289a-ae89-4643-9843-41df9cfbd12f" xlink:to="loc_ibcp_Family14OwnerOccupiedNonJumboMember_c73a34ee-ed8d-4930-a3c4-61dc2c9b9f86" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14NonOwnerOccupiedMember_ca914ade-e0c7-4f25-ab1b-a191efe2ea32" xlink:href="ibcp-20221231.xsd#ibcp_Family14NonOwnerOccupiedMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_44a0289a-ae89-4643-9843-41df9cfbd12f" xlink:to="loc_ibcp_Family14NonOwnerOccupiedMember_ca914ade-e0c7-4f25-ab1b-a191efe2ea32" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14SecondLienMember_b0a6c768-c22d-4dd8-9480-2b0f48e7e4e4" xlink:href="ibcp-20221231.xsd#ibcp_Family14SecondLienMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_44a0289a-ae89-4643-9843-41df9cfbd12f" xlink:to="loc_ibcp_Family14SecondLienMember_b0a6c768-c22d-4dd8-9480-2b0f48e7e4e4" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ResortLendingMember_d55cd211-e1bd-4fe9-8e1c-985307812697" xlink:href="ibcp-20221231.xsd#ibcp_ResortLendingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_44a0289a-ae89-4643-9843-41df9cfbd12f" xlink:to="loc_ibcp_ResortLendingMember_d55cd211-e1bd-4fe9-8e1c-985307812697" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_BoatLendingMember_57d3f0f0-ba5f-43f7-ad87-b51885d14065" xlink:href="ibcp-20221231.xsd#ibcp_BoatLendingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_44a0289a-ae89-4643-9843-41df9cfbd12f" xlink:to="loc_ibcp_BoatLendingMember_57d3f0f0-ba5f-43f7-ad87-b51885d14065" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_RecreationalVehicleLendingMember_7b66ed94-a6f6-41d5-a3bb-4b84d3569745" xlink:href="ibcp-20221231.xsd#ibcp_RecreationalVehicleLendingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_44a0289a-ae89-4643-9843-41df9cfbd12f" xlink:to="loc_ibcp_RecreationalVehicleLendingMember_7b66ed94-a6f6-41d5-a3bb-4b84d3569745" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentOtherMember_108bc39e-049c-4ef4-8fd8-4eee1718a7fa" xlink:href="ibcp-20221231.xsd#ibcp_InstallmentOtherMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_44a0289a-ae89-4643-9843-41df9cfbd12f" xlink:to="loc_ibcp_InstallmentOtherMember_108bc39e-049c-4ef4-8fd8-4eee1718a7fa" xlink:type="arc" order="9"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/LoansLoanRatingsbyLoanClassCommercialDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#LoansLoanRatingsbyLoanClassCommercialDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/LoansLoanRatingsbyLoanClassCommercialDetails" xlink:type="extended" id="ifbb5ddddf5464f9bae7a4e31f4abdaf1_LoansLoanRatingsbyLoanClassCommercialDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_d2281adf-bbf8-4d95-8e30-001a9bb58329" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_LoanRatingsByLoanClassAbstract_7a5ff471-422e-4798-93e0-9f8330c44524" xlink:href="ibcp-20221231.xsd#ibcp_LoanRatingsByLoanClassAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_d2281adf-bbf8-4d95-8e30-001a9bb58329" xlink:to="loc_ibcp_LoanRatingsByLoanClassAbstract_7a5ff471-422e-4798-93e0-9f8330c44524" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_5b0fa7ee-aadb-4ecf-a988-d27545f76ac8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_LoanRatingsByLoanClassAbstract_7a5ff471-422e-4798-93e0-9f8330c44524" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_5b0fa7ee-aadb-4ecf-a988-d27545f76ac8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_1fe5acd7-08bb-41f7-815b-ef5e7de6c46c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_LoanRatingsByLoanClassAbstract_7a5ff471-422e-4798-93e0-9f8330c44524" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_1fe5acd7-08bb-41f7-815b-ef5e7de6c46c" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_e1e295ea-6b3f-4644-8634-b9a32041958b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_LoanRatingsByLoanClassAbstract_7a5ff471-422e-4798-93e0-9f8330c44524" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_e1e295ea-6b3f-4644-8634-b9a32041958b" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_2c90cc9f-51e7-4404-8598-dd6610c5b06d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_LoanRatingsByLoanClassAbstract_7a5ff471-422e-4798-93e0-9f8330c44524" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_2c90cc9f-51e7-4404-8598-dd6610c5b06d" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_85dc0266-b228-4e81-9e4c-9aa55b7ccb5a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_LoanRatingsByLoanClassAbstract_7a5ff471-422e-4798-93e0-9f8330c44524" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_85dc0266-b228-4e81-9e4c-9aa55b7ccb5a" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_dd77db98-2f36-43db-a69b-d62e3958d96e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_LoanRatingsByLoanClassAbstract_7a5ff471-422e-4798-93e0-9f8330c44524" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_dd77db98-2f36-43db-a69b-d62e3958d96e" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving_e80a425d-f32b-4aa4-8345-1a7c0cc98e44" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolving"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_LoanRatingsByLoanClassAbstract_7a5ff471-422e-4798-93e0-9f8330c44524" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving_e80a425d-f32b-4aa4-8345-1a7c0cc98e44" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_b17e09df-8499-4d94-b695-238dc133ac2e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_LoanRatingsByLoanClassAbstract_7a5ff471-422e-4798-93e0-9f8330c44524" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_b17e09df-8499-4d94-b695-238dc133ac2e" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAccruedInterestCurrentFiscalYear_b7566cc2-5b52-45b7-8672-792d11eff446" xlink:href="ibcp-20221231.xsd#ibcp_FinancingReceivableAccruedInterestCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_LoanRatingsByLoanClassAbstract_7a5ff471-422e-4798-93e0-9f8330c44524" xlink:to="loc_ibcp_FinancingReceivableAccruedInterestCurrentFiscalYear_b7566cc2-5b52-45b7-8672-792d11eff446" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAccruedInterestFiscalYearBeforeCurrentFiscalYear_b2bb1954-2502-45eb-a219-568c5629434c" xlink:href="ibcp-20221231.xsd#ibcp_FinancingReceivableAccruedInterestFiscalYearBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_LoanRatingsByLoanClassAbstract_7a5ff471-422e-4798-93e0-9f8330c44524" xlink:to="loc_ibcp_FinancingReceivableAccruedInterestFiscalYearBeforeCurrentFiscalYear_b2bb1954-2502-45eb-a219-568c5629434c" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAccruedInterestTwoYearsBeforeCurrentFiscalYear_191c0d60-1281-4015-b13e-58826a3b80b5" xlink:href="ibcp-20221231.xsd#ibcp_FinancingReceivableAccruedInterestTwoYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_LoanRatingsByLoanClassAbstract_7a5ff471-422e-4798-93e0-9f8330c44524" xlink:to="loc_ibcp_FinancingReceivableAccruedInterestTwoYearsBeforeCurrentFiscalYear_191c0d60-1281-4015-b13e-58826a3b80b5" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAccruedInterestThreeYearsBeforeCurrentFiscalYear_d7b0edd7-4cd3-4dce-985e-da2675f5fc1e" xlink:href="ibcp-20221231.xsd#ibcp_FinancingReceivableAccruedInterestThreeYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_LoanRatingsByLoanClassAbstract_7a5ff471-422e-4798-93e0-9f8330c44524" xlink:to="loc_ibcp_FinancingReceivableAccruedInterestThreeYearsBeforeCurrentFiscalYear_d7b0edd7-4cd3-4dce-985e-da2675f5fc1e" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAccruedInterestFourYearsBeforeCurrentFiscalYear_3be21f13-ab77-4951-aeba-f9862c80f9aa" xlink:href="ibcp-20221231.xsd#ibcp_FinancingReceivableAccruedInterestFourYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_LoanRatingsByLoanClassAbstract_7a5ff471-422e-4798-93e0-9f8330c44524" xlink:to="loc_ibcp_FinancingReceivableAccruedInterestFourYearsBeforeCurrentFiscalYear_3be21f13-ab77-4951-aeba-f9862c80f9aa" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAccruedInterestMoreThanFiveYearsBeforeCurrentFiscalYear_e9225453-3a04-4b0d-ae3d-4631f731a275" xlink:href="ibcp-20221231.xsd#ibcp_FinancingReceivableAccruedInterestMoreThanFiveYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_LoanRatingsByLoanClassAbstract_7a5ff471-422e-4798-93e0-9f8330c44524" xlink:to="loc_ibcp_FinancingReceivableAccruedInterestMoreThanFiveYearsBeforeCurrentFiscalYear_e9225453-3a04-4b0d-ae3d-4631f731a275" xlink:type="arc" order="14"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAccruedInterestRevolving_67930f83-6492-4b4a-9b6a-f33e07534a2c" xlink:href="ibcp-20221231.xsd#ibcp_FinancingReceivableAccruedInterestRevolving"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_LoanRatingsByLoanClassAbstract_7a5ff471-422e-4798-93e0-9f8330c44524" xlink:to="loc_ibcp_FinancingReceivableAccruedInterestRevolving_67930f83-6492-4b4a-9b6a-f33e07534a2c" xlink:type="arc" order="15"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss_2a1d1a50-4b97-4846-a1e0-ed03c4f4c590" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_LoanRatingsByLoanClassAbstract_7a5ff471-422e-4798-93e0-9f8330c44524" xlink:to="loc_us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss_2a1d1a50-4b97-4846-a1e0-ed03c4f4c590" xlink:type="arc" order="16"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_733a8e0a-64a7-407a-a79e-ea7f2f2990f0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_d2281adf-bbf8-4d95-8e30-001a9bb58329" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_733a8e0a-64a7-407a-a79e-ea7f2f2990f0" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_3402323d-96dc-4b48-b650-d36c6cd181d3" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_733a8e0a-64a7-407a-a79e-ea7f2f2990f0" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_3402323d-96dc-4b48-b650-d36c6cd181d3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_3402323d-96dc-4b48-b650-d36c6cd181d3_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_3402323d-96dc-4b48-b650-d36c6cd181d3" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_3402323d-96dc-4b48-b650-d36c6cd181d3_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_4199d37d-73df-494e-804e-eb93e18b80c1" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_3402323d-96dc-4b48-b650-d36c6cd181d3" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_4199d37d-73df-494e-804e-eb93e18b80c1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_b4f7d78a-8d58-4f0b-9f1a-a873df68edc5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_4199d37d-73df-494e-804e-eb93e18b80c1" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_b4f7d78a-8d58-4f0b-9f1a-a873df68edc5" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_5b24fdaf-60aa-4b01-975e-994d07141852" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_733a8e0a-64a7-407a-a79e-ea7f2f2990f0" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_5b24fdaf-60aa-4b01-975e-994d07141852" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5b24fdaf-60aa-4b01-975e-994d07141852_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_5b24fdaf-60aa-4b01-975e-994d07141852" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_5b24fdaf-60aa-4b01-975e-994d07141852_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_1240bea8-992c-4367-a05f-b83191a1cb39" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_5b24fdaf-60aa-4b01-975e-994d07141852" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_1240bea8-992c-4367-a05f-b83191a1cb39" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CommercialAndIndustrialMember_f34f491b-300e-4603-b68f-4747325bdd5d" xlink:href="ibcp-20221231.xsd#ibcp_CommercialAndIndustrialMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_1240bea8-992c-4367-a05f-b83191a1cb39" xlink:to="loc_ibcp_CommercialAndIndustrialMember_f34f491b-300e-4603-b68f-4747325bdd5d" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CommercialRealEstateLoanMember_d2c19a66-6ff5-46c0-ba7d-acfd195f1597" xlink:href="ibcp-20221231.xsd#ibcp_CommercialRealEstateLoanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_1240bea8-992c-4367-a05f-b83191a1cb39" xlink:to="loc_ibcp_CommercialRealEstateLoanMember_d2c19a66-6ff5-46c0-ba7d-acfd195f1597" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentAxis_61bd5184-7966-4c7e-9ba3-6e44e6f79814" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InternalCreditAssessmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_733a8e0a-64a7-407a-a79e-ea7f2f2990f0" xlink:to="loc_us-gaap_InternalCreditAssessmentAxis_61bd5184-7966-4c7e-9ba3-6e44e6f79814" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentDomain_61bd5184-7966-4c7e-9ba3-6e44e6f79814_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InternalCreditAssessmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_InternalCreditAssessmentAxis_61bd5184-7966-4c7e-9ba3-6e44e6f79814" xlink:to="loc_us-gaap_InternalCreditAssessmentDomain_61bd5184-7966-4c7e-9ba3-6e44e6f79814_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentDomain_8122637f-ef2e-46f3-8f52-50f7a2e7ca58" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InternalCreditAssessmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_InternalCreditAssessmentAxis_61bd5184-7966-4c7e-9ba3-6e44e6f79814" xlink:to="loc_us-gaap_InternalCreditAssessmentDomain_8122637f-ef2e-46f3-8f52-50f7a2e7ca58" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_NonWatch16Member_70e2cca9-c5f6-432c-8808-7c71f094f0d1" xlink:href="ibcp-20221231.xsd#ibcp_NonWatch16Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_8122637f-ef2e-46f3-8f52-50f7a2e7ca58" xlink:to="loc_ibcp_NonWatch16Member_70e2cca9-c5f6-432c-8808-7c71f094f0d1" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Watch78Member_33845dcc-caf5-4428-9770-a69bcf1ea0c8" xlink:href="ibcp-20221231.xsd#ibcp_Watch78Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_8122637f-ef2e-46f3-8f52-50f7a2e7ca58" xlink:to="loc_ibcp_Watch78Member_33845dcc-caf5-4428-9770-a69bcf1ea0c8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_SubstandardAccrual9Member_70e68f41-f178-48a8-9e92-c2f6a41f80ea" xlink:href="ibcp-20221231.xsd#ibcp_SubstandardAccrual9Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_8122637f-ef2e-46f3-8f52-50f7a2e7ca58" xlink:to="loc_ibcp_SubstandardAccrual9Member_70e68f41-f178-48a8-9e92-c2f6a41f80ea" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_NonAccrual1011Member_bd9e1250-a36d-4782-9122-56fa4b8dea73" xlink:href="ibcp-20221231.xsd#ibcp_NonAccrual1011Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_8122637f-ef2e-46f3-8f52-50f7a2e7ca58" xlink:to="loc_ibcp_NonAccrual1011Member_bd9e1250-a36d-4782-9122-56fa4b8dea73" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/LoansCreditScoresbyLoanClassMortgageandInstallmentSegmentsCurrentPeriodDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#LoansCreditScoresbyLoanClassMortgageandInstallmentSegmentsCurrentPeriodDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/LoansCreditScoresbyLoanClassMortgageandInstallmentSegmentsCurrentPeriodDetails" xlink:type="extended" id="i2dab5620e7c242019871a7cc3264000a_LoansCreditScoresbyLoanClassMortgageandInstallmentSegmentsCurrentPeriodDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_1517c38c-bacc-4f17-b360-bcca422f6447" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CreditScoresByLoanClassAbstract_537615b6-a2eb-4778-a54f-4c698c9f0e29" xlink:href="ibcp-20221231.xsd#ibcp_CreditScoresByLoanClassAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_1517c38c-bacc-4f17-b360-bcca422f6447" xlink:to="loc_ibcp_CreditScoresByLoanClassAbstract_537615b6-a2eb-4778-a54f-4c698c9f0e29" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_121aea99-d57d-41e9-8707-3af98cd7f98a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_537615b6-a2eb-4778-a54f-4c698c9f0e29" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_121aea99-d57d-41e9-8707-3af98cd7f98a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_ebf7140b-bd89-476d-819a-1a755199623c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_537615b6-a2eb-4778-a54f-4c698c9f0e29" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_ebf7140b-bd89-476d-819a-1a755199623c" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_7ea563ae-9414-4921-8b6f-4a58b323d1c8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_537615b6-a2eb-4778-a54f-4c698c9f0e29" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_7ea563ae-9414-4921-8b6f-4a58b323d1c8" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_0c45c631-5812-469e-8760-39e2781af8e5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_537615b6-a2eb-4778-a54f-4c698c9f0e29" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_0c45c631-5812-469e-8760-39e2781af8e5" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_f7e80daa-1cd8-435a-8162-2fa799445fc0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_537615b6-a2eb-4778-a54f-4c698c9f0e29" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_f7e80daa-1cd8-435a-8162-2fa799445fc0" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_f3bfbe4b-0c84-4a6a-b4df-43c507e67086" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_537615b6-a2eb-4778-a54f-4c698c9f0e29" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_f3bfbe4b-0c84-4a6a-b4df-43c507e67086" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving_c4946aff-0d85-4d80-8896-51132d723c90" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolving"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_537615b6-a2eb-4778-a54f-4c698c9f0e29" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving_c4946aff-0d85-4d80-8896-51132d723c90" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_dcc1702d-c56e-4115-b827-d8d3a124b557" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_537615b6-a2eb-4778-a54f-4c698c9f0e29" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_dcc1702d-c56e-4115-b827-d8d3a124b557" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAccruedInterestCurrentFiscalYear_c08e0344-8a8a-428e-9feb-224ef94c3bd3" xlink:href="ibcp-20221231.xsd#ibcp_FinancingReceivableAccruedInterestCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_537615b6-a2eb-4778-a54f-4c698c9f0e29" xlink:to="loc_ibcp_FinancingReceivableAccruedInterestCurrentFiscalYear_c08e0344-8a8a-428e-9feb-224ef94c3bd3" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAccruedInterestFiscalYearBeforeCurrentFiscalYear_2a21f454-e3a0-406c-a034-c46477faa6fb" xlink:href="ibcp-20221231.xsd#ibcp_FinancingReceivableAccruedInterestFiscalYearBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_537615b6-a2eb-4778-a54f-4c698c9f0e29" xlink:to="loc_ibcp_FinancingReceivableAccruedInterestFiscalYearBeforeCurrentFiscalYear_2a21f454-e3a0-406c-a034-c46477faa6fb" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAccruedInterestTwoYearsBeforeCurrentFiscalYear_67ac8aa9-1bb6-4fcb-98ec-6c1f416ef628" xlink:href="ibcp-20221231.xsd#ibcp_FinancingReceivableAccruedInterestTwoYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_537615b6-a2eb-4778-a54f-4c698c9f0e29" xlink:to="loc_ibcp_FinancingReceivableAccruedInterestTwoYearsBeforeCurrentFiscalYear_67ac8aa9-1bb6-4fcb-98ec-6c1f416ef628" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAccruedInterestThreeYearsBeforeCurrentFiscalYear_9158c9b3-b030-408b-a177-c0f9602d39c9" xlink:href="ibcp-20221231.xsd#ibcp_FinancingReceivableAccruedInterestThreeYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_537615b6-a2eb-4778-a54f-4c698c9f0e29" xlink:to="loc_ibcp_FinancingReceivableAccruedInterestThreeYearsBeforeCurrentFiscalYear_9158c9b3-b030-408b-a177-c0f9602d39c9" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAccruedInterestFourYearsBeforeCurrentFiscalYear_e4a84bb3-6cc1-4240-be92-17c1f2e2449b" xlink:href="ibcp-20221231.xsd#ibcp_FinancingReceivableAccruedInterestFourYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_537615b6-a2eb-4778-a54f-4c698c9f0e29" xlink:to="loc_ibcp_FinancingReceivableAccruedInterestFourYearsBeforeCurrentFiscalYear_e4a84bb3-6cc1-4240-be92-17c1f2e2449b" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAccruedInterestMoreThanFiveYearsBeforeCurrentFiscalYear_fb7bcff8-5394-4fe2-b7bc-50106e2826d5" xlink:href="ibcp-20221231.xsd#ibcp_FinancingReceivableAccruedInterestMoreThanFiveYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_537615b6-a2eb-4778-a54f-4c698c9f0e29" xlink:to="loc_ibcp_FinancingReceivableAccruedInterestMoreThanFiveYearsBeforeCurrentFiscalYear_fb7bcff8-5394-4fe2-b7bc-50106e2826d5" xlink:type="arc" order="14"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FinancingReceivableAccruedInterestRevolving_cb620e43-6bfb-4998-9dd6-2a4778c4ab48" xlink:href="ibcp-20221231.xsd#ibcp_FinancingReceivableAccruedInterestRevolving"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_537615b6-a2eb-4778-a54f-4c698c9f0e29" xlink:to="loc_ibcp_FinancingReceivableAccruedInterestRevolving_cb620e43-6bfb-4998-9dd6-2a4778c4ab48" xlink:type="arc" order="15"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss_49b93e8a-a5de-4f57-b9a8-f6203d33c728" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_CreditScoresByLoanClassAbstract_537615b6-a2eb-4778-a54f-4c698c9f0e29" xlink:to="loc_us-gaap_FinancingReceivableAccruedInterestBeforeAllowanceForCreditLoss_49b93e8a-a5de-4f57-b9a8-f6203d33c728" xlink:type="arc" order="16"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_34b0f8af-22b1-40fb-b076-7ffadbb1b7a6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_1517c38c-bacc-4f17-b360-bcca422f6447" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_34b0f8af-22b1-40fb-b076-7ffadbb1b7a6" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_21850d59-3f64-4552-9f7c-c547fb5c6281" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_34b0f8af-22b1-40fb-b076-7ffadbb1b7a6" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_21850d59-3f64-4552-9f7c-c547fb5c6281" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_21850d59-3f64-4552-9f7c-c547fb5c6281_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_21850d59-3f64-4552-9f7c-c547fb5c6281" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_21850d59-3f64-4552-9f7c-c547fb5c6281_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_e6b8bf43-8329-4019-8571-de905245e9d5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_21850d59-3f64-4552-9f7c-c547fb5c6281" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_e6b8bf43-8329-4019-8571-de905245e9d5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_ca83560d-cadb-4a5c-9dc0-498ab9eda081" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_e6b8bf43-8329-4019-8571-de905245e9d5" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_ca83560d-cadb-4a5c-9dc0-498ab9eda081" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentPortfolioSegmentMember_cd22367f-9546-44b8-9942-bbd616f0caed" xlink:href="ibcp-20221231.xsd#ibcp_InstallmentPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_e6b8bf43-8329-4019-8571-de905245e9d5" xlink:to="loc_ibcp_InstallmentPortfolioSegmentMember_cd22367f-9546-44b8-9942-bbd616f0caed" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_d141381c-36f5-4ad2-ae98-e9f5ed9fec68" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_34b0f8af-22b1-40fb-b076-7ffadbb1b7a6" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_d141381c-36f5-4ad2-ae98-e9f5ed9fec68" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_d141381c-36f5-4ad2-ae98-e9f5ed9fec68_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_d141381c-36f5-4ad2-ae98-e9f5ed9fec68" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_d141381c-36f5-4ad2-ae98-e9f5ed9fec68_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4d41ac23-3f3f-4c9e-9caa-d1e408f4904e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_d141381c-36f5-4ad2-ae98-e9f5ed9fec68" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4d41ac23-3f3f-4c9e-9caa-d1e408f4904e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14OwnerOccupiedJumboMember_202be174-36e9-4e00-8f40-d4f8fcfe4a8f" xlink:href="ibcp-20221231.xsd#ibcp_Family14OwnerOccupiedJumboMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4d41ac23-3f3f-4c9e-9caa-d1e408f4904e" xlink:to="loc_ibcp_Family14OwnerOccupiedJumboMember_202be174-36e9-4e00-8f40-d4f8fcfe4a8f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14OwnerOccupiedNonJumboMember_272b9eed-bed1-4ad2-9dcb-4b0f138526ed" xlink:href="ibcp-20221231.xsd#ibcp_Family14OwnerOccupiedNonJumboMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4d41ac23-3f3f-4c9e-9caa-d1e408f4904e" xlink:to="loc_ibcp_Family14OwnerOccupiedNonJumboMember_272b9eed-bed1-4ad2-9dcb-4b0f138526ed" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14NonOwnerOccupiedMember_6f14b09c-bfc4-4009-9b15-b93d75d19540" xlink:href="ibcp-20221231.xsd#ibcp_Family14NonOwnerOccupiedMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4d41ac23-3f3f-4c9e-9caa-d1e408f4904e" xlink:to="loc_ibcp_Family14NonOwnerOccupiedMember_6f14b09c-bfc4-4009-9b15-b93d75d19540" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14SecondLienMember_58ccf1ee-183e-4e11-9b0e-45683fe7e3c0" xlink:href="ibcp-20221231.xsd#ibcp_Family14SecondLienMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4d41ac23-3f3f-4c9e-9caa-d1e408f4904e" xlink:to="loc_ibcp_Family14SecondLienMember_58ccf1ee-183e-4e11-9b0e-45683fe7e3c0" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ResortLendingMember_11a47739-742f-4bfd-98cf-41ee15076cd2" xlink:href="ibcp-20221231.xsd#ibcp_ResortLendingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4d41ac23-3f3f-4c9e-9caa-d1e408f4904e" xlink:to="loc_ibcp_ResortLendingMember_11a47739-742f-4bfd-98cf-41ee15076cd2" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_BoatLendingMember_a64dccae-cf07-4835-833a-32bb91c077a5" xlink:href="ibcp-20221231.xsd#ibcp_BoatLendingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4d41ac23-3f3f-4c9e-9caa-d1e408f4904e" xlink:to="loc_ibcp_BoatLendingMember_a64dccae-cf07-4835-833a-32bb91c077a5" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_RecreationalVehicleLendingMember_829457e9-7dd3-41d4-917e-ab5306c2a14a" xlink:href="ibcp-20221231.xsd#ibcp_RecreationalVehicleLendingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4d41ac23-3f3f-4c9e-9caa-d1e408f4904e" xlink:to="loc_ibcp_RecreationalVehicleLendingMember_829457e9-7dd3-41d4-917e-ab5306c2a14a" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentOtherMember_265d6202-8f66-4bda-a60f-19406583538b" xlink:href="ibcp-20221231.xsd#ibcp_InstallmentOtherMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_4d41ac23-3f3f-4c9e-9caa-d1e408f4904e" xlink:to="loc_ibcp_InstallmentOtherMember_265d6202-8f66-4bda-a60f-19406583538b" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditScoreFicoAxis_2e7ba68b-36f0-44d5-bc09-0770d6523f07" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CreditScoreFicoAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_34b0f8af-22b1-40fb-b076-7ffadbb1b7a6" xlink:to="loc_us-gaap_CreditScoreFicoAxis_2e7ba68b-36f0-44d5-bc09-0770d6523f07" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditScoreFicoDomain_2e7ba68b-36f0-44d5-bc09-0770d6523f07_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CreditScoreFicoDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_CreditScoreFicoAxis_2e7ba68b-36f0-44d5-bc09-0770d6523f07" xlink:to="loc_us-gaap_CreditScoreFicoDomain_2e7ba68b-36f0-44d5-bc09-0770d6523f07_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditScoreFicoDomain_296a868d-3d0f-4ad1-8964-9e8c753b1140" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CreditScoreFicoDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_CreditScoreFicoAxis_2e7ba68b-36f0-44d5-bc09-0770d6523f07" xlink:to="loc_us-gaap_CreditScoreFicoDomain_296a868d-3d0f-4ad1-8964-9e8c753b1140" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FICOScoreGreaterThan800Member_d3fedbcb-4906-46f9-881d-64fcbb95e84b" xlink:href="ibcp-20221231.xsd#ibcp_FICOScoreGreaterThan800Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CreditScoreFicoDomain_296a868d-3d0f-4ad1-8964-9e8c753b1140" xlink:to="loc_ibcp_FICOScoreGreaterThan800Member_d3fedbcb-4906-46f9-881d-64fcbb95e84b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FICOScore750To799Member_028408ac-ab2a-445e-a600-59dcb28aad95" xlink:href="ibcp-20221231.xsd#ibcp_FICOScore750To799Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CreditScoreFicoDomain_296a868d-3d0f-4ad1-8964-9e8c753b1140" xlink:to="loc_ibcp_FICOScore750To799Member_028408ac-ab2a-445e-a600-59dcb28aad95" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FICOScore700To749Member_fcf407cc-f7d6-422d-ba22-bbc027e4b85a" xlink:href="ibcp-20221231.xsd#ibcp_FICOScore700To749Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CreditScoreFicoDomain_296a868d-3d0f-4ad1-8964-9e8c753b1140" xlink:to="loc_ibcp_FICOScore700To749Member_fcf407cc-f7d6-422d-ba22-bbc027e4b85a" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FICOScore650To699Member_7a7341df-59a1-4a97-98f5-e54e8890f89c" xlink:href="ibcp-20221231.xsd#ibcp_FICOScore650To699Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CreditScoreFicoDomain_296a868d-3d0f-4ad1-8964-9e8c753b1140" xlink:to="loc_ibcp_FICOScore650To699Member_7a7341df-59a1-4a97-98f5-e54e8890f89c" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FICOScore600To649Member_2654ef88-55f5-4b12-83d2-4aea51a55ab4" xlink:href="ibcp-20221231.xsd#ibcp_FICOScore600To649Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CreditScoreFicoDomain_296a868d-3d0f-4ad1-8964-9e8c753b1140" xlink:to="loc_ibcp_FICOScore600To649Member_2654ef88-55f5-4b12-83d2-4aea51a55ab4" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FICOScore550To599Member_d9397039-7178-4b4c-aed7-115d2230614e" xlink:href="ibcp-20221231.xsd#ibcp_FICOScore550To599Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CreditScoreFicoDomain_296a868d-3d0f-4ad1-8964-9e8c753b1140" xlink:to="loc_ibcp_FICOScore550To599Member_d9397039-7178-4b4c-aed7-115d2230614e" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FICOScore500To549Member_c1074e52-e4c6-4e2c-ae64-cdec35e09f07" xlink:href="ibcp-20221231.xsd#ibcp_FICOScore500To549Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CreditScoreFicoDomain_296a868d-3d0f-4ad1-8964-9e8c753b1140" xlink:to="loc_ibcp_FICOScore500To549Member_c1074e52-e4c6-4e2c-ae64-cdec35e09f07" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FICOScoreUnder500Member_76996d54-1005-4696-a14b-d94e8b45ec8e" xlink:href="ibcp-20221231.xsd#ibcp_FICOScoreUnder500Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CreditScoreFicoDomain_296a868d-3d0f-4ad1-8964-9e8c753b1140" xlink:to="loc_ibcp_FICOScoreUnder500Member_76996d54-1005-4696-a14b-d94e8b45ec8e" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FICOScoreUnknownMember_0f432852-61ac-4fd6-b686-a69f4d0874e8" xlink:href="ibcp-20221231.xsd#ibcp_FICOScoreUnknownMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CreditScoreFicoDomain_296a868d-3d0f-4ad1-8964-9e8c753b1140" xlink:to="loc_ibcp_FICOScoreUnknownMember_0f432852-61ac-4fd6-b686-a69f4d0874e8" xlink:type="arc" order="8"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/LoansLoansServicedforOthersDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#LoansLoansServicedforOthersDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/LoansLoansServicedforOthersDetails" xlink:type="extended" id="ib60a607c4a55432f9a4a664d26c9d45f_LoansLoansServicedforOthersDetails">
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ScheduleOfLoansAndFinancingReceivablesServicedForOthersLineItems_25a2c1bb-cb3f-4adf-afff-df5abdf42552" xlink:href="ibcp-20221231.xsd#ibcp_ScheduleOfLoansAndFinancingReceivablesServicedForOthersLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_MortgageLoansServicedForOthersAbstract_85572e14-ebea-4ae9-b8d1-01afd533bc56" xlink:href="ibcp-20221231.xsd#ibcp_MortgageLoansServicedForOthersAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_ScheduleOfLoansAndFinancingReceivablesServicedForOthersLineItems_25a2c1bb-cb3f-4adf-afff-df5abdf42552" xlink:to="loc_ibcp_MortgageLoansServicedForOthersAbstract_85572e14-ebea-4ae9-b8d1-01afd533bc56" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_PrincipalAmountOutstandingOnLoansServicedForOthers_ceead51d-f3a1-4eb4-b99b-dbba044aa9a0" xlink:href="ibcp-20221231.xsd#ibcp_PrincipalAmountOutstandingOnLoansServicedForOthers"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_MortgageLoansServicedForOthersAbstract_85572e14-ebea-4ae9-b8d1-01afd533bc56" xlink:to="loc_ibcp_PrincipalAmountOutstandingOnLoansServicedForOthers_ceead51d-f3a1-4eb4-b99b-dbba044aa9a0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_AnalysisOfCapitalizedMortgageLoanServicingRightsAbstract_3febd7dd-8485-4821-802a-a2119c3b094e" xlink:href="ibcp-20221231.xsd#ibcp_AnalysisOfCapitalizedMortgageLoanServicingRightsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_ScheduleOfLoansAndFinancingReceivablesServicedForOthersLineItems_25a2c1bb-cb3f-4adf-afff-df5abdf42552" xlink:to="loc_ibcp_AnalysisOfCapitalizedMortgageLoanServicingRightsAbstract_3febd7dd-8485-4821-802a-a2119c3b094e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_0a35483e-495f-4ddb-aabc-583fcbe10df6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_AnalysisOfCapitalizedMortgageLoanServicingRightsAbstract_3febd7dd-8485-4821-802a-a2119c3b094e" xlink:to="loc_us-gaap_ServicingAssetAtFairValueAmount_0a35483e-495f-4ddb-aabc-583fcbe10df6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtAmortizedValueAdditions_347bdfa3-7866-414c-8e5e-9936a9af1b68" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ServicingAssetAtAmortizedValueAdditions"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_AnalysisOfCapitalizedMortgageLoanServicingRightsAbstract_3febd7dd-8485-4821-802a-a2119c3b094e" xlink:to="loc_us-gaap_ServicingAssetAtAmortizedValueAdditions_347bdfa3-7866-414c-8e5e-9936a9af1b68" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ServicingAssetAtFairValueChangesInFairValueDueToPrice_c3d228c6-29c8-48c5-89f5-db4b17af55cd" xlink:href="ibcp-20221231.xsd#ibcp_ServicingAssetAtFairValueChangesInFairValueDueToPrice"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_AnalysisOfCapitalizedMortgageLoanServicingRightsAbstract_3febd7dd-8485-4821-802a-a2119c3b094e" xlink:to="loc_ibcp_ServicingAssetAtFairValueChangesInFairValueDueToPrice_c3d228c6-29c8-48c5-89f5-db4b17af55cd" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ServicingAssetAtFairValueChangesInPayDowns_eccdd6b4-ee8b-4968-bb9d-07bbc2d622b2" xlink:href="ibcp-20221231.xsd#ibcp_ServicingAssetAtFairValueChangesInPayDowns"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_AnalysisOfCapitalizedMortgageLoanServicingRightsAbstract_3febd7dd-8485-4821-802a-a2119c3b094e" xlink:to="loc_ibcp_ServicingAssetAtFairValueChangesInPayDowns_eccdd6b4-ee8b-4968-bb9d-07bbc2d622b2" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount_7bbfc7f0-c09a-4db1-a058-47819b1f6919" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_MortgageLoansOnRealEstateServiced_20e15590-169f-4726-8e06-942ff69f1fec" xlink:href="ibcp-20221231.xsd#ibcp_MortgageLoansOnRealEstateServiced"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_AnalysisOfCapitalizedMortgageLoanServicingRightsAbstract_3febd7dd-8485-4821-802a-a2119c3b094e" xlink:to="loc_ibcp_MortgageLoansOnRealEstateServiced_20e15590-169f-4726-8e06-942ff69f1fec" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ScheduleOfLoansAndFinancingReceivablesServicedForOthersTable_ba32f0ab-d6b1-4d0a-9782-0cfe7f5b11c6" xlink:href="ibcp-20221231.xsd#ibcp_ScheduleOfLoansAndFinancingReceivablesServicedForOthersTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_ibcp_ScheduleOfLoansAndFinancingReceivablesServicedForOthersLineItems_25a2c1bb-cb3f-4adf-afff-df5abdf42552" xlink:to="loc_ibcp_ScheduleOfLoansAndFinancingReceivablesServicedForOthersTable_ba32f0ab-d6b1-4d0a-9782-0cfe7f5b11c6" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CounterpartyNameAxis_931e769a-a71b-49c0-a01b-0508b6fae3ab" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_CounterpartyNameAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_ibcp_ScheduleOfLoansAndFinancingReceivablesServicedForOthersTable_ba32f0ab-d6b1-4d0a-9782-0cfe7f5b11c6" xlink:to="loc_srt_CounterpartyNameAxis_931e769a-a71b-49c0-a01b-0508b6fae3ab" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RepurchaseAgreementCounterpartyNameDomain_931e769a-a71b-49c0-a01b-0508b6fae3ab_default" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_RepurchaseAgreementCounterpartyNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_CounterpartyNameAxis_931e769a-a71b-49c0-a01b-0508b6fae3ab" xlink:to="loc_srt_RepurchaseAgreementCounterpartyNameDomain_931e769a-a71b-49c0-a01b-0508b6fae3ab_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RepurchaseAgreementCounterpartyNameDomain_a0939fad-ea9d-4e57-931b-1578f20a81a4" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_RepurchaseAgreementCounterpartyNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_CounterpartyNameAxis_931e769a-a71b-49c0-a01b-0508b6fae3ab" xlink:to="loc_srt_RepurchaseAgreementCounterpartyNameDomain_a0939fad-ea9d-4e57-931b-1578f20a81a4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FannieMaeMember_7ffe9f1f-a684-44a3-ac8e-0815e5dae052" xlink:href="ibcp-20221231.xsd#ibcp_FannieMaeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RepurchaseAgreementCounterpartyNameDomain_a0939fad-ea9d-4e57-931b-1578f20a81a4" xlink:to="loc_ibcp_FannieMaeMember_7ffe9f1f-a684-44a3-ac8e-0815e5dae052" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FreddieMacMember_cc493790-5873-46e6-ae70-ed4a83345d3c" xlink:href="ibcp-20221231.xsd#ibcp_FreddieMacMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RepurchaseAgreementCounterpartyNameDomain_a0939fad-ea9d-4e57-931b-1578f20a81a4" xlink:to="loc_ibcp_FreddieMacMember_cc493790-5873-46e6-ae70-ed4a83345d3c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_GinnieMaeMember_7d87c27d-a5a3-4005-a75d-603e752aed74" xlink:href="ibcp-20221231.xsd#ibcp_GinnieMaeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RepurchaseAgreementCounterpartyNameDomain_a0939fad-ea9d-4e57-931b-1578f20a81a4" xlink:to="loc_ibcp_GinnieMaeMember_7d87c27d-a5a3-4005-a75d-603e752aed74" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FederalHomeLoanBankFHLBMember_5e93ce9d-f728-4a2c-8834-21cf308c695d" xlink:href="ibcp-20221231.xsd#ibcp_FederalHomeLoanBankFHLBMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RepurchaseAgreementCounterpartyNameDomain_a0939fad-ea9d-4e57-931b-1578f20a81a4" xlink:to="loc_ibcp_FederalHomeLoanBankFHLBMember_5e93ce9d-f728-4a2c-8834-21cf308c695d" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_OtherMortgageLoansServicedMember_42c994a3-af75-4889-b091-da5cc9a79d09" xlink:href="ibcp-20221231.xsd#ibcp_OtherMortgageLoansServicedMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RepurchaseAgreementCounterpartyNameDomain_a0939fad-ea9d-4e57-931b-1578f20a81a4" xlink:to="loc_ibcp_OtherMortgageLoansServicedMember_42c994a3-af75-4889-b091-da5cc9a79d09" xlink:type="arc" order="4"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/PropertyandEquipmentSummaryofPropertyandEquipmentDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#PropertyandEquipmentSummaryofPropertyandEquipmentDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/PropertyandEquipmentSummaryofPropertyandEquipmentDetails" xlink:type="extended" id="if5a5eea24eb7428c9b55fae9de8ff268_PropertyandEquipmentSummaryofPropertyandEquipmentDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentLineItems_41e97bd8-9736-44de-a2c7-86fbe0bef408" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PropertyPlantAndEquipmentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNetAbstract_5a5c9e73-f3f8-4ce2-bfff-792f0362c892" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PropertyPlantAndEquipmentNetAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentLineItems_41e97bd8-9736-44de-a2c7-86fbe0bef408" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNetAbstract_5a5c9e73-f3f8-4ce2-bfff-792f0362c892" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentGross_8fb321b5-3683-4b42-a078-e03e0a094dea" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PropertyPlantAndEquipmentGross"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentNetAbstract_5a5c9e73-f3f8-4ce2-bfff-792f0362c892" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentGross_8fb321b5-3683-4b42-a078-e03e0a094dea" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_4997ea77-ee26-419f-a795-194b9761d005" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentNetAbstract_5a5c9e73-f3f8-4ce2-bfff-792f0362c892" xlink:to="loc_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_4997ea77-ee26-419f-a795-194b9761d005" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_272c4be3-c9a9-4311-94c0-92c61c754aaa" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentNetAbstract_5a5c9e73-f3f8-4ce2-bfff-792f0362c892" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet_272c4be3-c9a9-4311-94c0-92c61c754aaa" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_b74b3845-8d83-4023-a213-af135d889f92" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfPropertyPlantAndEquipmentTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentLineItems_41e97bd8-9736-44de-a2c7-86fbe0bef408" xlink:to="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_b74b3845-8d83-4023-a213-af135d889f92" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_490402da-2b90-46f3-9c16-73385989df31" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_b74b3845-8d83-4023-a213-af135d889f92" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_490402da-2b90-46f3-9c16-73385989df31" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_490402da-2b90-46f3-9c16-73385989df31_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_490402da-2b90-46f3-9c16-73385989df31" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_490402da-2b90-46f3-9c16-73385989df31_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_376a4ae5-f8ef-4c99-bee9-6457bc86b9a5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis_490402da-2b90-46f3-9c16-73385989df31" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_376a4ae5-f8ef-4c99-bee9-6457bc86b9a5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LandAndLandImprovementsMember_a7e770de-f2cc-4e03-83e5-3c495873a1b7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LandAndLandImprovementsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_376a4ae5-f8ef-4c99-bee9-6457bc86b9a5" xlink:to="loc_us-gaap_LandAndLandImprovementsMember_a7e770de-f2cc-4e03-83e5-3c495873a1b7" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BuildingMember_0725ed75-99f9-4e8c-be18-6aaee8df10ce" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_BuildingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_376a4ae5-f8ef-4c99-bee9-6457bc86b9a5" xlink:to="loc_us-gaap_BuildingMember_0725ed75-99f9-4e8c-be18-6aaee8df10ce" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquipmentMember_919f8921-7f73-481e-ba76-5ae0df218365" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_EquipmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain_376a4ae5-f8ef-4c99-bee9-6457bc86b9a5" xlink:to="loc_us-gaap_EquipmentMember_919f8921-7f73-481e-ba76-5ae0df218365" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/OtherBorrowingsNarrativeDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#OtherBorrowingsNarrativeDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/OtherBorrowingsNarrativeDetails" xlink:type="extended" id="i45df04c3b86d4c4db9fd991b58b01365_OtherBorrowingsNarrativeDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankLineItems_f996ac62-76df-47d1-bb36-c01ead5a1edd" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBanksAbstract_c2b153ec-6877-4bed-a359-ab4712d950b7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FederalHomeLoanBanksAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankLineItems_f996ac62-76df-47d1-bb36-c01ead5a1edd" xlink:to="loc_us-gaap_FederalHomeLoanBanksAbstract_c2b153ec-6877-4bed-a359-ab4712d950b7" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FederalReserveBankAmountOutstandingAtEndOfPeriod_bf8dbd23-91f9-44a6-aec3-47bf87cce3be" xlink:href="ibcp-20221231.xsd#ibcp_FederalReserveBankAmountOutstandingAtEndOfPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FederalHomeLoanBanksAbstract_c2b153ec-6877-4bed-a359-ab4712d950b7" xlink:to="loc_ibcp_FederalReserveBankAmountOutstandingAtEndOfPeriod_bf8dbd23-91f9-44a6-aec3-47bf87cce3be" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FederalReserveBankAverageInterestRate_6af644b9-622b-4aa1-93f4-1d729ee873a4" xlink:href="ibcp-20221231.xsd#ibcp_FederalReserveBankAverageInterestRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FederalHomeLoanBanksAbstract_c2b153ec-6877-4bed-a359-ab4712d950b7" xlink:to="loc_ibcp_FederalReserveBankAverageInterestRate_6af644b9-622b-4aa1-93f4-1d729ee873a4" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FederalReserveBankAverageBorrowings_aa59072f-e7a4-4c85-842c-290bd416a080" xlink:href="ibcp-20221231.xsd#ibcp_FederalReserveBankAverageBorrowings"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FederalHomeLoanBanksAbstract_c2b153ec-6877-4bed-a359-ab4712d950b7" xlink:to="loc_ibcp_FederalReserveBankAverageBorrowings_aa59072f-e7a4-4c85-842c-290bd416a080" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FederalReserveBankAdvancesGeneralDebtObligationsAmountOfAvailableUnusedFunds_373e5a2d-c63e-4fe2-af1f-6080256bf5e9" xlink:href="ibcp-20221231.xsd#ibcp_FederalReserveBankAdvancesGeneralDebtObligationsAmountOfAvailableUnusedFunds"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FederalHomeLoanBanksAbstract_c2b153ec-6877-4bed-a359-ab4712d950b7" xlink:to="loc_ibcp_FederalReserveBankAdvancesGeneralDebtObligationsAmountOfAvailableUnusedFunds_373e5a2d-c63e-4fe2-af1f-6080256bf5e9" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FederalReserveBankInterestExpense_40353bf1-e1d1-44b2-894e-327506da49e6" xlink:href="ibcp-20221231.xsd#ibcp_FederalReserveBankInterestExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FederalHomeLoanBanksAbstract_c2b153ec-6877-4bed-a359-ab4712d950b7" xlink:to="loc_ibcp_FederalReserveBankInterestExpense_40353bf1-e1d1-44b2-894e-327506da49e6" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FederalHomeLoanBankAdvancesHomeEquityCollateral_54d284d0-2214-498a-85ab-04d6b1ab2d11" xlink:href="ibcp-20221231.xsd#ibcp_FederalHomeLoanBankAdvancesHomeEquityCollateral"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FederalHomeLoanBanksAbstract_c2b153ec-6877-4bed-a359-ab4712d950b7" xlink:to="loc_ibcp_FederalHomeLoanBankAdvancesHomeEquityCollateral_54d284d0-2214-498a-85ab-04d6b1ab2d11" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankStock_b3171256-5a53-48af-858d-70e1ef8145a1" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FederalHomeLoanBankStock"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FederalHomeLoanBanksAbstract_c2b153ec-6877-4bed-a359-ab4712d950b7" xlink:to="loc_us-gaap_FederalHomeLoanBankStock_b3171256-5a53-48af-858d-70e1ef8145a1" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds_bfedf559-6c74-4091-8553-0fc318c5a31f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FederalHomeLoanBanksAbstract_c2b153ec-6877-4bed-a359-ab4712d950b7" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds_bfedf559-6c74-4091-8553-0fc318c5a31f" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm_e77570fa-4dd3-458c-8f42-be8184b033e7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FederalHomeLoanBanksAbstract_c2b153ec-6877-4bed-a359-ab4712d950b7" xlink:to="loc_us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm_e77570fa-4dd3-458c-8f42-be8184b033e7" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresRepaymentAndPenalties_618049b4-dc3b-4983-a49a-d5bf78c755aa" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresRepaymentAndPenalties"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FederalHomeLoanBanksAbstract_c2b153ec-6877-4bed-a359-ab4712d950b7" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresRepaymentAndPenalties_618049b4-dc3b-4983-a49a-d5bf78c755aa" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FederalHomeLoanBankStockAsPercentagesOfUnpaidPrincipalBalance_923e8681-171d-4675-a2d1-a7b48a84900c" xlink:href="ibcp-20221231.xsd#ibcp_FederalHomeLoanBankStockAsPercentagesOfUnpaidPrincipalBalance"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FederalHomeLoanBanksAbstract_c2b153ec-6877-4bed-a359-ab4712d950b7" xlink:to="loc_ibcp_FederalHomeLoanBankStockAsPercentagesOfUnpaidPrincipalBalance_923e8681-171d-4675-a2d1-a7b48a84900c" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FederalHomeLoanBankStockAsPercentagesOfOutstandingAdvances_08fd8eb4-8dab-4397-8efe-cda72d8fcdfd" xlink:href="ibcp-20221231.xsd#ibcp_FederalHomeLoanBankStockAsPercentagesOfOutstandingAdvances"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FederalHomeLoanBanksAbstract_c2b153ec-6877-4bed-a359-ab4712d950b7" xlink:to="loc_ibcp_FederalHomeLoanBankStockAsPercentagesOfOutstandingAdvances_08fd8eb4-8dab-4397-8efe-cda72d8fcdfd" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseFederalFundsPurchased_595d7526-bd83-4aa5-9e43-df28d3ac375b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InterestExpenseFederalFundsPurchased"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FederalHomeLoanBanksAbstract_c2b153ec-6877-4bed-a359-ab4712d950b7" xlink:to="loc_us-gaap_InterestExpenseFederalFundsPurchased_595d7526-bd83-4aa5-9e43-df28d3ac375b" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_AssetsPledgedAsCollateral_578180aa-6cb0-4692-8c57-981dbadd59fc" xlink:href="ibcp-20221231.xsd#ibcp_AssetsPledgedAsCollateral"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FederalHomeLoanBanksAbstract_c2b153ec-6877-4bed-a359-ab4712d950b7" xlink:to="loc_ibcp_AssetsPledgedAsCollateral_578180aa-6cb0-4692-8c57-981dbadd59fc" xlink:type="arc" order="14"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTable_54751ee7-781a-48ff-bbb4-654f330ac7ee" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankLineItems_f996ac62-76df-47d1-bb36-c01ead5a1edd" xlink:to="loc_us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTable_54751ee7-781a-48ff-bbb4-654f330ac7ee" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_44e6afbc-e3f2-42ff-bc57-9d06caffcbd5" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_RangeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTable_54751ee7-781a-48ff-bbb4-654f330ac7ee" xlink:to="loc_srt_RangeAxis_44e6afbc-e3f2-42ff-bc57-9d06caffcbd5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_44e6afbc-e3f2-42ff-bc57-9d06caffcbd5_default" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_RangeAxis_44e6afbc-e3f2-42ff-bc57-9d06caffcbd5" xlink:to="loc_srt_RangeMember_44e6afbc-e3f2-42ff-bc57-9d06caffcbd5_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_70a28099-9c71-4ecc-b142-4847ffb505e1" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_RangeAxis_44e6afbc-e3f2-42ff-bc57-9d06caffcbd5" xlink:to="loc_srt_RangeMember_70a28099-9c71-4ecc-b142-4847ffb505e1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_fbe3c058-b1d7-421c-aa8f-b0243e3baf58" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_MinimumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_70a28099-9c71-4ecc-b142-4847ffb505e1" xlink:to="loc_srt_MinimumMember_fbe3c058-b1d7-421c-aa8f-b0243e3baf58" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_791cc688-e2f8-4551-ba7c-bfb66b61d485" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_MaximumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_70a28099-9c71-4ecc-b142-4847ffb505e1" xlink:to="loc_srt_MaximumMember_791cc688-e2f8-4551-ba7c-bfb66b61d485" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermDebtTypeAxis_1c03d8f1-cde9-4630-ae46-4e4c989d8c3d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShortTermDebtTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTable_54751ee7-781a-48ff-bbb4-654f330ac7ee" xlink:to="loc_us-gaap_ShortTermDebtTypeAxis_1c03d8f1-cde9-4630-ae46-4e4c989d8c3d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermDebtTypeDomain_1c03d8f1-cde9-4630-ae46-4e4c989d8c3d_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShortTermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_ShortTermDebtTypeAxis_1c03d8f1-cde9-4630-ae46-4e4c989d8c3d" xlink:to="loc_us-gaap_ShortTermDebtTypeDomain_1c03d8f1-cde9-4630-ae46-4e4c989d8c3d_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermDebtTypeDomain_9257fd8f-6216-473e-ad11-eaa653a8d03d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShortTermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_ShortTermDebtTypeAxis_1c03d8f1-cde9-4630-ae46-4e4c989d8c3d" xlink:to="loc_us-gaap_ShortTermDebtTypeDomain_9257fd8f-6216-473e-ad11-eaa653a8d03d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalReserveBankAdvancesMember_d0ca59d7-33c2-494e-a7d5-b3d03e032f28" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FederalReserveBankAdvancesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShortTermDebtTypeDomain_9257fd8f-6216-473e-ad11-eaa653a8d03d" xlink:to="loc_us-gaap_FederalReserveBankAdvancesMember_d0ca59d7-33c2-494e-a7d5-b3d03e032f28" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/OtherBorrowingsFHLBAdvancesDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#OtherBorrowingsFHLBAdvancesDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/OtherBorrowingsFHLBAdvancesDetails" xlink:type="extended" id="id4919fcebb434df6b195115dd0700dff_OtherBorrowingsFHLBAdvancesDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankLineItems_b5fd8f87-d711-4af1-a808-556dc57342f0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate_b5b47d67-2ac9-4277-a427-5d9068a55d62" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankLineItems_b5fd8f87-d711-4af1-a808-556dc57342f0" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate_b5b47d67-2ac9-4277-a427-5d9068a55d62" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueWithinOneYearOfBalanceSheetDate_cd4ed8fc-f025-4749-b066-bef49b8c45a3" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueWithinOneYearOfBalanceSheetDate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankLineItems_b5fd8f87-d711-4af1-a808-556dc57342f0" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateOfAmountsDueWithinOneYearOfBalanceSheetDate_cd4ed8fc-f025-4749-b066-bef49b8c45a3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate_3fa1edb5-be5f-4565-9a0e-f0dfdd2408cf" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankLineItems_b5fd8f87-d711-4af1-a808-556dc57342f0" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate_3fa1edb5-be5f-4565-9a0e-f0dfdd2408cf" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate_59c83f73-4d7e-4eb7-8c68-d1ddf1aeed2d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankLineItems_b5fd8f87-d711-4af1-a808-556dc57342f0" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateAfterFiveYearsFromBalanceSheetDate_59c83f73-4d7e-4eb7-8c68-d1ddf1aeed2d" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesFixedRate_44807f61-b4e5-4899-add0-405bfe38f2b5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FederalHomeLoanBankAdvancesFixedRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankLineItems_b5fd8f87-d711-4af1-a808-556dc57342f0" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesFixedRate_44807f61-b4e5-4899-add0-405bfe38f2b5" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesInterestRate_0681e54e-d482-47df-99fa-076e8a50f3c4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FederalHomeLoanBankAdvancesInterestRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankLineItems_b5fd8f87-d711-4af1-a808-556dc57342f0" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesInterestRate_0681e54e-d482-47df-99fa-076e8a50f3c4" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTable_12f209ab-54ec-4447-a416-3f0e0be5c5f7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FederalHomeLoanBankAdvancesBranchOfFHLBBankLineItems_b5fd8f87-d711-4af1-a808-556dc57342f0" xlink:to="loc_us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTable_12f209ab-54ec-4447-a416-3f0e0be5c5f7" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_79c4fcea-6563-4c4b-9c8a-c6d3e5850c8f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFederalHomeLoanBankAdvancesByBranchOfFHLBBankTable_12f209ab-54ec-4447-a416-3f0e0be5c5f7" xlink:to="loc_us-gaap_FinancialInstrumentAxis_79c4fcea-6563-4c4b-9c8a-c6d3e5850c8f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_79c4fcea-6563-4c4b-9c8a-c6d3e5850c8f_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_79c4fcea-6563-4c4b-9c8a-c6d3e5850c8f" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_79c4fcea-6563-4c4b-9c8a-c6d3e5850c8f_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_f7315217-8c74-402e-b0c8-3f0706787a00" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_79c4fcea-6563-4c4b-9c8a-c6d3e5850c8f" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_f7315217-8c74-402e-b0c8-3f0706787a00" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FederalHomeLoanBankAdvancesFixedRateMember_45ee3b56-5571-46b1-9014-a9ae8c3e0053" xlink:href="ibcp-20221231.xsd#ibcp_FederalHomeLoanBankAdvancesFixedRateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_f7315217-8c74-402e-b0c8-3f0706787a00" xlink:to="loc_ibcp_FederalHomeLoanBankAdvancesFixedRateMember_45ee3b56-5571-46b1-9014-a9ae8c3e0053" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/SubordinatedDebtandDebenturesNarrativeDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#SubordinatedDebtandDebenturesNarrativeDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/SubordinatedDebtandDebenturesNarrativeDetails" xlink:type="extended" id="iac41f61acc0a443ebe112e27b639aac0_SubordinatedDebtandDebenturesNarrativeDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_1daee56f-6325-4b1c-801e-55aef96ec88a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_SubordinatedDebtInformationAbstract_46f1e00e-a54b-4053-b3bd-94a8d7213e54" xlink:href="ibcp-20221231.xsd#ibcp_SubordinatedDebtInformationAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_1daee56f-6325-4b1c-801e-55aef96ec88a" xlink:to="loc_ibcp_SubordinatedDebtInformationAbstract_46f1e00e-a54b-4053-b3bd-94a8d7213e54" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount_6df4e3cc-1566-4c88-9d8c-12e358b70408" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtInstrumentFaceAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_SubordinatedDebtInformationAbstract_46f1e00e-a54b-4053-b3bd-94a8d7213e54" xlink:to="loc_us-gaap_DebtInstrumentFaceAmount_6df4e3cc-1566-4c88-9d8c-12e358b70408" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTerm_2b9446bb-e274-4b49-850f-294c19c2cb95" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtInstrumentTerm"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_SubordinatedDebtInformationAbstract_46f1e00e-a54b-4053-b3bd-94a8d7213e54" xlink:to="loc_us-gaap_DebtInstrumentTerm_2b9446bb-e274-4b49-850f-294c19c2cb95" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DebtInstrumentCallOptionPeriod_d8f64353-274c-44e7-a72f-d9aff2ed6d1d" xlink:href="ibcp-20221231.xsd#ibcp_DebtInstrumentCallOptionPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_SubordinatedDebtInformationAbstract_46f1e00e-a54b-4053-b3bd-94a8d7213e54" xlink:to="loc_ibcp_DebtInstrumentCallOptionPeriod_d8f64353-274c-44e7-a72f-d9aff2ed6d1d" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_f87cc937-950d-41d8-961a-d94f7e030893" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_SubordinatedDebtInformationAbstract_46f1e00e-a54b-4053-b3bd-94a8d7213e54" xlink:to="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage_f87cc937-950d-41d8-961a-d94f7e030893" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DebtInstrumentInterestRateStatedPercentagePeriod_b9102dfa-f0dc-4676-9b94-54cc967c4798" xlink:href="ibcp-20221231.xsd#ibcp_DebtInstrumentInterestRateStatedPercentagePeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_SubordinatedDebtInformationAbstract_46f1e00e-a54b-4053-b3bd-94a8d7213e54" xlink:to="loc_ibcp_DebtInstrumentInterestRateStatedPercentagePeriod_b9102dfa-f0dc-4676-9b94-54cc967c4798" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_e673cda6-369d-4a29-889a-5876b8da7e30" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtInstrumentBasisSpreadOnVariableRate1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_SubordinatedDebtInformationAbstract_46f1e00e-a54b-4053-b3bd-94a8d7213e54" xlink:to="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_e673cda6-369d-4a29-889a-5876b8da7e30" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubordinatedDebt_2a90968f-21c6-47aa-bb89-cd38bcfcbccd" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_SubordinatedDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_SubordinatedDebtInformationAbstract_46f1e00e-a54b-4053-b3bd-94a8d7213e54" xlink:to="loc_us-gaap_SubordinatedDebt_2a90968f-21c6-47aa-bb89-cd38bcfcbccd" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet_f43b4d14-d212-4368-a50d-72599f330e72" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_SubordinatedDebtInformationAbstract_46f1e00e-a54b-4053-b3bd-94a8d7213e54" xlink:to="loc_us-gaap_DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet_f43b4d14-d212-4368-a50d-72599f330e72" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_TrustPreferredSecurities_e7fefd9a-cd35-4b81-9ec3-182874b6ff15" xlink:href="ibcp-20221231.xsd#ibcp_TrustPreferredSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_SubordinatedDebtInformationAbstract_46f1e00e-a54b-4053-b3bd-94a8d7213e54" xlink:to="loc_ibcp_TrustPreferredSecurities_e7fefd9a-cd35-4b81-9ec3-182874b6ff15" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentUnamortizedDiscount_58a81da0-db63-421c-8c82-af14a86c13d6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtInstrumentUnamortizedDiscount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_SubordinatedDebtInformationAbstract_46f1e00e-a54b-4053-b3bd-94a8d7213e54" xlink:to="loc_us-gaap_DebtInstrumentUnamortizedDiscount_58a81da0-db63-421c-8c82-af14a86c13d6" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DistributionDeferralPeriodSubordinatedDebentures_2b5a12f6-12df-40d8-b484-76c76cf49048" xlink:href="ibcp-20221231.xsd#ibcp_DistributionDeferralPeriodSubordinatedDebentures"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_SubordinatedDebtInformationAbstract_46f1e00e-a54b-4053-b3bd-94a8d7213e54" xlink:to="loc_ibcp_DistributionDeferralPeriodSubordinatedDebentures_2b5a12f6-12df-40d8-b484-76c76cf49048" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_fe550d43-27d4-475b-a184-f5757b60baa0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtInstrumentTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DebtInstrumentLineItems_1daee56f-6325-4b1c-801e-55aef96ec88a" xlink:to="loc_us-gaap_DebtInstrumentTable_fe550d43-27d4-475b-a184-f5757b60baa0" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_4d9bcac7-9265-49d7-b2d0-a75e797bf018" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_fe550d43-27d4-475b-a184-f5757b60baa0" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_4d9bcac7-9265-49d7-b2d0-a75e797bf018" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_4d9bcac7-9265-49d7-b2d0-a75e797bf018_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_4d9bcac7-9265-49d7-b2d0-a75e797bf018" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_4d9bcac7-9265-49d7-b2d0-a75e797bf018_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_f50169c9-e970-4b76-8416-f89d7f0fbc1b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_4d9bcac7-9265-49d7-b2d0-a75e797bf018" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_f50169c9-e970-4b76-8416-f89d7f0fbc1b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubordinatedDebtMember_be6580b6-2bc5-4a62-a729-4686b60aee86" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_SubordinatedDebtMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_f50169c9-e970-4b76-8416-f89d7f0fbc1b" xlink:to="loc_us-gaap_SubordinatedDebtMember_be6580b6-2bc5-4a62-a729-4686b60aee86" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableRateAxis_f9026154-ae8f-4fc2-b632-c4dc4229446e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_VariableRateAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_fe550d43-27d4-475b-a184-f5757b60baa0" xlink:to="loc_us-gaap_VariableRateAxis_f9026154-ae8f-4fc2-b632-c4dc4229446e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableRateDomain_f9026154-ae8f-4fc2-b632-c4dc4229446e_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_VariableRateDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_VariableRateAxis_f9026154-ae8f-4fc2-b632-c4dc4229446e" xlink:to="loc_us-gaap_VariableRateDomain_f9026154-ae8f-4fc2-b632-c4dc4229446e_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableRateDomain_e2ee697e-b176-4951-b348-175b8cbceb63" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_VariableRateDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_VariableRateAxis_f9026154-ae8f-4fc2-b632-c4dc4229446e" xlink:to="loc_us-gaap_VariableRateDomain_e2ee697e-b176-4951-b348-175b8cbceb63" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuredOvernightFinancingRateSofrOvernightIndexSwapRateMember_648dcce3-89d6-40ad-af60-b7ae46ccccd8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_SecuredOvernightFinancingRateSofrOvernightIndexSwapRateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_VariableRateDomain_e2ee697e-b176-4951-b348-175b8cbceb63" xlink:to="loc_us-gaap_SecuredOvernightFinancingRateSofrOvernightIndexSwapRateMember_648dcce3-89d6-40ad-af60-b7ae46ccccd8" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfSharesSubjectToMandatoryRedemptionBySettlementTermsAxis_6cecf683-a555-4f8a-9d9f-e28ee2d32061" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfSharesSubjectToMandatoryRedemptionBySettlementTermsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_fe550d43-27d4-475b-a184-f5757b60baa0" xlink:to="loc_us-gaap_ScheduleOfSharesSubjectToMandatoryRedemptionBySettlementTermsAxis_6cecf683-a555-4f8a-9d9f-e28ee2d32061" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesSubjectToMandatoryRedemptionFinancialInstrumentDomain_6cecf683-a555-4f8a-9d9f-e28ee2d32061_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_SharesSubjectToMandatoryRedemptionFinancialInstrumentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_ScheduleOfSharesSubjectToMandatoryRedemptionBySettlementTermsAxis_6cecf683-a555-4f8a-9d9f-e28ee2d32061" xlink:to="loc_us-gaap_SharesSubjectToMandatoryRedemptionFinancialInstrumentDomain_6cecf683-a555-4f8a-9d9f-e28ee2d32061_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesSubjectToMandatoryRedemptionFinancialInstrumentDomain_d0203779-63b7-4648-b2d1-10336f749769" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_SharesSubjectToMandatoryRedemptionFinancialInstrumentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_ScheduleOfSharesSubjectToMandatoryRedemptionBySettlementTermsAxis_6cecf683-a555-4f8a-9d9f-e28ee2d32061" xlink:to="loc_us-gaap_SharesSubjectToMandatoryRedemptionFinancialInstrumentDomain_d0203779-63b7-4648-b2d1-10336f749769" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubordinatedDebenturesSubjectToMandatoryRedemptionMember_4a845358-1a15-4ad0-8688-798220f2689a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_SubordinatedDebenturesSubjectToMandatoryRedemptionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SharesSubjectToMandatoryRedemptionFinancialInstrumentDomain_d0203779-63b7-4648-b2d1-10336f749769" xlink:to="loc_us-gaap_SubordinatedDebenturesSubjectToMandatoryRedemptionMember_4a845358-1a15-4ad0-8688-798220f2689a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_402374cb-825f-4827-98f2-9a05b766eb61" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_LegalEntityAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_fe550d43-27d4-475b-a184-f5757b60baa0" xlink:to="loc_dei_LegalEntityAxis_402374cb-825f-4827-98f2-9a05b766eb61" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_402374cb-825f-4827-98f2-9a05b766eb61_default" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_dei_LegalEntityAxis_402374cb-825f-4827-98f2-9a05b766eb61" xlink:to="loc_dei_EntityDomain_402374cb-825f-4827-98f2-9a05b766eb61_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_0d4bb585-0787-48f2-acdd-7f2d43889b3f" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_dei_LegalEntityAxis_402374cb-825f-4827-98f2-9a05b766eb61" xlink:to="loc_dei_EntityDomain_0d4bb585-0787-48f2-acdd-7f2d43889b3f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_SubsidiariesTrustFiveMember_b37b885b-81f0-4f32-9b85-9760fe6d6058" xlink:href="ibcp-20221231.xsd#ibcp_SubsidiariesTrustFiveMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityDomain_0d4bb585-0787-48f2-acdd-7f2d43889b3f" xlink:to="loc_ibcp_SubsidiariesTrustFiveMember_b37b885b-81f0-4f32-9b85-9760fe6d6058" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/SubordinatedDebtandDebenturesSubordinatedDebenturesDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#SubordinatedDebtandDebenturesSubordinatedDebenturesDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/SubordinatedDebtandDebenturesSubordinatedDebenturesDetails" xlink:type="extended" id="ib290f0d22b1c4787a9fb7bb522258c86_SubordinatedDebtandDebenturesSubordinatedDebenturesDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubordinatedBorrowingLineItems_9ab7ed45-6858-49a0-81ef-4c2ce02aa41f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_SubordinatedBorrowingLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_SummaryOfInformationRegardingSubordinatedDebenturesAbstract_6c6325d4-cff2-4db1-9ab1-88032102d348" xlink:href="ibcp-20221231.xsd#ibcp_SummaryOfInformationRegardingSubordinatedDebenturesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SubordinatedBorrowingLineItems_9ab7ed45-6858-49a0-81ef-4c2ce02aa41f" xlink:to="loc_ibcp_SummaryOfInformationRegardingSubordinatedDebenturesAbstract_6c6325d4-cff2-4db1-9ab1-88032102d348" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_81c03ddc-c14f-488b-83ef-27f4aff1a8fb" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_SummaryOfInformationRegardingSubordinatedDebenturesAbstract_6c6325d4-cff2-4db1-9ab1-88032102d348" xlink:to="loc_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_81c03ddc-c14f-488b-83ef-27f4aff1a8fb" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount_a83ccfce-e3cf-4085-bc1f-6d8b175dc282" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtInstrumentFaceAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_SummaryOfInformationRegardingSubordinatedDebenturesAbstract_6c6325d4-cff2-4db1-9ab1-88032102d348" xlink:to="loc_us-gaap_DebtInstrumentFaceAmount_a83ccfce-e3cf-4085-bc1f-6d8b175dc282" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CommonStockIssuedByTrust_7ac81b9a-2566-41ec-9c45-81b7d92686e6" xlink:href="ibcp-20221231.xsd#ibcp_CommonStockIssuedByTrust"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_SummaryOfInformationRegardingSubordinatedDebenturesAbstract_6c6325d4-cff2-4db1-9ab1-88032102d348" xlink:to="loc_ibcp_CommonStockIssuedByTrust_7ac81b9a-2566-41ec-9c45-81b7d92686e6" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentUnamortizedDiscount_2f7adcf1-19be-49dc-89dd-0a3480b1cc15" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtInstrumentUnamortizedDiscount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_SummaryOfInformationRegardingSubordinatedDebenturesAbstract_6c6325d4-cff2-4db1-9ab1-88032102d348" xlink:to="loc_us-gaap_DebtInstrumentUnamortizedDiscount_2f7adcf1-19be-49dc-89dd-0a3480b1cc15" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubordinatedBorrowingTable_8b2eaefa-320b-45da-8b4b-6bc93b5d8104" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_SubordinatedBorrowingTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_SubordinatedBorrowingLineItems_9ab7ed45-6858-49a0-81ef-4c2ce02aa41f" xlink:to="loc_us-gaap_SubordinatedBorrowingTable_8b2eaefa-320b-45da-8b4b-6bc93b5d8104" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfSharesSubjectToMandatoryRedemptionBySettlementTermsAxis_7caaf365-3b86-4392-ac83-d38a0a010abf" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfSharesSubjectToMandatoryRedemptionBySettlementTermsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_SubordinatedBorrowingTable_8b2eaefa-320b-45da-8b4b-6bc93b5d8104" xlink:to="loc_us-gaap_ScheduleOfSharesSubjectToMandatoryRedemptionBySettlementTermsAxis_7caaf365-3b86-4392-ac83-d38a0a010abf" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesSubjectToMandatoryRedemptionFinancialInstrumentDomain_7caaf365-3b86-4392-ac83-d38a0a010abf_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_SharesSubjectToMandatoryRedemptionFinancialInstrumentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_ScheduleOfSharesSubjectToMandatoryRedemptionBySettlementTermsAxis_7caaf365-3b86-4392-ac83-d38a0a010abf" xlink:to="loc_us-gaap_SharesSubjectToMandatoryRedemptionFinancialInstrumentDomain_7caaf365-3b86-4392-ac83-d38a0a010abf_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharesSubjectToMandatoryRedemptionFinancialInstrumentDomain_f2caa94e-c7aa-4ee9-863f-869db5ad251d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_SharesSubjectToMandatoryRedemptionFinancialInstrumentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_ScheduleOfSharesSubjectToMandatoryRedemptionBySettlementTermsAxis_7caaf365-3b86-4392-ac83-d38a0a010abf" xlink:to="loc_us-gaap_SharesSubjectToMandatoryRedemptionFinancialInstrumentDomain_f2caa94e-c7aa-4ee9-863f-869db5ad251d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubordinatedDebenturesSubjectToMandatoryRedemptionMember_3939dc31-343c-43f7-8220-d11632109c26" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_SubordinatedDebenturesSubjectToMandatoryRedemptionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SharesSubjectToMandatoryRedemptionFinancialInstrumentDomain_f2caa94e-c7aa-4ee9-863f-869db5ad251d" xlink:to="loc_us-gaap_SubordinatedDebenturesSubjectToMandatoryRedemptionMember_3939dc31-343c-43f7-8220-d11632109c26" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember_1b232aad-a6f1-418b-b92c-1232633cfaac" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SharesSubjectToMandatoryRedemptionFinancialInstrumentDomain_f2caa94e-c7aa-4ee9-863f-869db5ad251d" xlink:to="loc_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember_1b232aad-a6f1-418b-b92c-1232633cfaac" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSubjectToMandatoryRedemptionMember_035c2ff6-ef4a-45df-bc50-63182be0a858" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommonStockSubjectToMandatoryRedemptionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SharesSubjectToMandatoryRedemptionFinancialInstrumentDomain_f2caa94e-c7aa-4ee9-863f-869db5ad251d" xlink:to="loc_us-gaap_CommonStockSubjectToMandatoryRedemptionMember_035c2ff6-ef4a-45df-bc50-63182be0a858" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_6749632e-67ca-4e64-a8c4-1c80bcae91c3" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_LegalEntityAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_SubordinatedBorrowingTable_8b2eaefa-320b-45da-8b4b-6bc93b5d8104" xlink:to="loc_dei_LegalEntityAxis_6749632e-67ca-4e64-a8c4-1c80bcae91c3" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_6749632e-67ca-4e64-a8c4-1c80bcae91c3_default" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_dei_LegalEntityAxis_6749632e-67ca-4e64-a8c4-1c80bcae91c3" xlink:to="loc_dei_EntityDomain_6749632e-67ca-4e64-a8c4-1c80bcae91c3_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_9887fa89-c4f9-4fea-b95d-bbe3045b43e0" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_dei_LegalEntityAxis_6749632e-67ca-4e64-a8c4-1c80bcae91c3" xlink:to="loc_dei_EntityDomain_9887fa89-c4f9-4fea-b95d-bbe3045b43e0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_SubsidiariesTrustTwoMember_db54dd5f-412f-4ab9-91cd-35f85d32b62e" xlink:href="ibcp-20221231.xsd#ibcp_SubsidiariesTrustTwoMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityDomain_9887fa89-c4f9-4fea-b95d-bbe3045b43e0" xlink:to="loc_ibcp_SubsidiariesTrustTwoMember_db54dd5f-412f-4ab9-91cd-35f85d32b62e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_SubsidiariesTrustThreeMember_4c46ed56-4118-4d46-9a34-34db1ce31de6" xlink:href="ibcp-20221231.xsd#ibcp_SubsidiariesTrustThreeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityDomain_9887fa89-c4f9-4fea-b95d-bbe3045b43e0" xlink:to="loc_ibcp_SubsidiariesTrustThreeMember_4c46ed56-4118-4d46-9a34-34db1ce31de6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_SubsidiariesTrustFourMember_0c8d5224-92f1-4b72-9994-426aabca4f15" xlink:href="ibcp-20221231.xsd#ibcp_SubsidiariesTrustFourMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityDomain_9887fa89-c4f9-4fea-b95d-bbe3045b43e0" xlink:to="loc_ibcp_SubsidiariesTrustFourMember_0c8d5224-92f1-4b72-9994-426aabca4f15" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_SubsidiariesTrustFiveMember_487baa0b-a671-4767-9561-f9f04e044449" xlink:href="ibcp-20221231.xsd#ibcp_SubsidiariesTrustFiveMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityDomain_9887fa89-c4f9-4fea-b95d-bbe3045b43e0" xlink:to="loc_ibcp_SubsidiariesTrustFiveMember_487baa0b-a671-4767-9561-f9f04e044449" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/SubordinatedDebtandDebenturesOtherKeyItemsSubordinatedDebenturesandTrustPreferredSecuritiesDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#SubordinatedDebtandDebenturesOtherKeyItemsSubordinatedDebenturesandTrustPreferredSecuritiesDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/SubordinatedDebtandDebenturesOtherKeyItemsSubordinatedDebenturesandTrustPreferredSecuritiesDetails" xlink:type="extended" id="i4b8d248de3a444abb5bf98531124efa5_SubordinatedDebtandDebenturesOtherKeyItemsSubordinatedDebenturesandTrustPreferredSecuritiesDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_f8e92416-e60d-4c6b-8a44-714d9e3c6aec" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_SubordinatedDebtInformationAbstract_152eedff-8fff-4a62-b1df-a0e293028da7" xlink:href="ibcp-20221231.xsd#ibcp_SubordinatedDebtInformationAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_f8e92416-e60d-4c6b-8a44-714d9e3c6aec" xlink:to="loc_ibcp_SubordinatedDebtInformationAbstract_152eedff-8fff-4a62-b1df-a0e293028da7" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DebtInstrumentTermOfVariableRatePercentage_4eaa4280-242c-4495-ba03-8d8cc50b0c2b" xlink:href="ibcp-20221231.xsd#ibcp_DebtInstrumentTermOfVariableRatePercentage"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_SubordinatedDebtInformationAbstract_152eedff-8fff-4a62-b1df-a0e293028da7" xlink:to="loc_ibcp_DebtInstrumentTermOfVariableRatePercentage_4eaa4280-242c-4495-ba03-8d8cc50b0c2b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_c4bb6582-f781-47a9-be7c-209bcc581efb" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtInstrumentBasisSpreadOnVariableRate1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_SubordinatedDebtInformationAbstract_152eedff-8fff-4a62-b1df-a0e293028da7" xlink:to="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_c4bb6582-f781-47a9-be7c-209bcc581efb" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_b6104520-2fe7-43f1-aac6-acfc2f6f1951" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtInstrumentTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DebtInstrumentLineItems_f8e92416-e60d-4c6b-8a44-714d9e3c6aec" xlink:to="loc_us-gaap_DebtInstrumentTable_b6104520-2fe7-43f1-aac6-acfc2f6f1951" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableRateAxis_6a122007-98ee-4566-9433-271e77dbf370" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_VariableRateAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_b6104520-2fe7-43f1-aac6-acfc2f6f1951" xlink:to="loc_us-gaap_VariableRateAxis_6a122007-98ee-4566-9433-271e77dbf370" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableRateDomain_6a122007-98ee-4566-9433-271e77dbf370_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_VariableRateDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_VariableRateAxis_6a122007-98ee-4566-9433-271e77dbf370" xlink:to="loc_us-gaap_VariableRateDomain_6a122007-98ee-4566-9433-271e77dbf370_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableRateDomain_5327b4bf-c702-41e8-bce7-873871a46f39" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_VariableRateDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_VariableRateAxis_6a122007-98ee-4566-9433-271e77dbf370" xlink:to="loc_us-gaap_VariableRateDomain_5327b4bf-c702-41e8-bce7-873871a46f39" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LondonInterbankOfferedRateLIBORMember_c78abd00-4e3b-4303-b6e4-5f055fbdd64b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LondonInterbankOfferedRateLIBORMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_VariableRateDomain_5327b4bf-c702-41e8-bce7-873871a46f39" xlink:to="loc_us-gaap_LondonInterbankOfferedRateLIBORMember_c78abd00-4e3b-4303-b6e4-5f055fbdd64b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis_7bfed8f2-fb26-4d4a-bf31-72127c6f6872" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_LegalEntityAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_b6104520-2fe7-43f1-aac6-acfc2f6f1951" xlink:to="loc_dei_LegalEntityAxis_7bfed8f2-fb26-4d4a-bf31-72127c6f6872" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_7bfed8f2-fb26-4d4a-bf31-72127c6f6872_default" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_dei_LegalEntityAxis_7bfed8f2-fb26-4d4a-bf31-72127c6f6872" xlink:to="loc_dei_EntityDomain_7bfed8f2-fb26-4d4a-bf31-72127c6f6872_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain_0a99ae9a-724c-4c3e-9c74-18a2f165b264" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_dei_LegalEntityAxis_7bfed8f2-fb26-4d4a-bf31-72127c6f6872" xlink:to="loc_dei_EntityDomain_0a99ae9a-724c-4c3e-9c74-18a2f165b264" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_SubsidiariesTrustTwoMember_08460b4b-7864-4cc0-9317-8cdb64f22bac" xlink:href="ibcp-20221231.xsd#ibcp_SubsidiariesTrustTwoMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityDomain_0a99ae9a-724c-4c3e-9c74-18a2f165b264" xlink:to="loc_ibcp_SubsidiariesTrustTwoMember_08460b4b-7864-4cc0-9317-8cdb64f22bac" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_SubsidiariesTrustThreeMember_fdf48bb8-3c3e-44e2-84ba-142328c28b27" xlink:href="ibcp-20221231.xsd#ibcp_SubsidiariesTrustThreeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityDomain_0a99ae9a-724c-4c3e-9c74-18a2f165b264" xlink:to="loc_ibcp_SubsidiariesTrustThreeMember_fdf48bb8-3c3e-44e2-84ba-142328c28b27" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_SubsidiariesTrustFourMember_4d537ef1-f310-4cb7-a671-251c06e929b9" xlink:href="ibcp-20221231.xsd#ibcp_SubsidiariesTrustFourMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityDomain_0a99ae9a-724c-4c3e-9c74-18a2f165b264" xlink:to="loc_ibcp_SubsidiariesTrustFourMember_4d537ef1-f310-4cb7-a671-251c06e929b9" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_SubsidiariesTrustFiveMember_f5d78ad8-e53a-46dc-9a24-06efee6d5276" xlink:href="ibcp-20221231.xsd#ibcp_SubsidiariesTrustFiveMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_EntityDomain_0a99ae9a-724c-4c3e-9c74-18a2f165b264" xlink:to="loc_ibcp_SubsidiariesTrustFiveMember_f5d78ad8-e53a-46dc-9a24-06efee6d5276" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/CommitmentsandContingentLiabilitiesDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#CommitmentsandContingentLiabilitiesDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/CommitmentsandContingentLiabilitiesDetails" xlink:type="extended" id="i381ab7effe3645b9ae28b74d475dc0c9_CommitmentsandContingentLiabilitiesDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems_6e70b8e1-7ae8-4519-9052-ed298738041d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_OffBalanceSheetRisksAbstract_873e8643-6667-4e96-a60a-afeb429b4515" xlink:href="ibcp-20221231.xsd#ibcp_OffBalanceSheetRisksAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems_6e70b8e1-7ae8-4519-9052-ed298738041d" xlink:to="loc_ibcp_OffBalanceSheetRisksAbstract_873e8643-6667-4e96-a60a-afeb429b4515" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ContractDisclosureOffBalanceSheetRisksAmount_63823b22-edc2-4cb3-9bcf-53e21ba2ca5d" xlink:href="ibcp-20221231.xsd#ibcp_ContractDisclosureOffBalanceSheetRisksAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_OffBalanceSheetRisksAbstract_873e8643-6667-4e96-a60a-afeb429b4515" xlink:to="loc_ibcp_ContractDisclosureOffBalanceSheetRisksAmount_63823b22-edc2-4cb3-9bcf-53e21ba2ca5d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable_e0fa4b98-abe5-4261-8fd2-d4baa35f2ec4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems_6e70b8e1-7ae8-4519-9052-ed298738041d" xlink:to="loc_us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable_e0fa4b98-abe5-4261-8fd2-d4baa35f2ec4" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_8635d63d-ddc2-4147-9177-a815c78958ee" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable_e0fa4b98-abe5-4261-8fd2-d4baa35f2ec4" xlink:to="loc_us-gaap_FinancialInstrumentAxis_8635d63d-ddc2-4147-9177-a815c78958ee" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_8635d63d-ddc2-4147-9177-a815c78958ee_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_8635d63d-ddc2-4147-9177-a815c78958ee" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_8635d63d-ddc2-4147-9177-a815c78958ee_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_d7fe7f56-595b-4c6d-b16a-0047bf439690" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_8635d63d-ddc2-4147-9177-a815c78958ee" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_d7fe7f56-595b-4c6d-b16a-0047bf439690" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsToExtendCreditMember_8b428439-8600-45cf-8686-d7a88a594f22" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommitmentsToExtendCreditMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_d7fe7f56-595b-4c6d-b16a-0047bf439690" xlink:to="loc_us-gaap_CommitmentsToExtendCreditMember_8b428439-8600-45cf-8686-d7a88a594f22" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StandbyLettersOfCreditMember_242a9519-dd2a-4b13-9f1a-244e72666784" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StandbyLettersOfCreditMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_d7fe7f56-595b-4c6d-b16a-0047bf439690" xlink:to="loc_us-gaap_StandbyLettersOfCreditMember_242a9519-dd2a-4b13-9f1a-244e72666784" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/CommitmentsandContingentLiabilitiesNarrativeDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#CommitmentsandContingentLiabilitiesNarrativeDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/CommitmentsandContingentLiabilitiesNarrativeDetails" xlink:type="extended" id="i8b0196055ade4ba886716fbbf3b9e86f_CommitmentsandContingentLiabilitiesNarrativeDetails">
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CommitmentsAndContingenciesLineItems_acb66c57-1d7f-4328-b43b-8b8690dc3d5f" xlink:href="ibcp-20221231.xsd#ibcp_CommitmentsAndContingenciesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FairValueOffBalanceSheetRisksDisclosureInformationAbstract_23b1f514-b209-4d9e-b9d5-0075045112c1" xlink:href="ibcp-20221231.xsd#ibcp_FairValueOffBalanceSheetRisksDisclosureInformationAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_CommitmentsAndContingenciesLineItems_acb66c57-1d7f-4328-b43b-8b8690dc3d5f" xlink:to="loc_ibcp_FairValueOffBalanceSheetRisksDisclosureInformationAbstract_23b1f514-b209-4d9e-b9d5-0075045112c1" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ContractDisclosureOffBalanceSheetRisksLiabilityVariableRate_428d87d3-d8a0-46cc-ac96-1b1224e516db" xlink:href="ibcp-20221231.xsd#ibcp_ContractDisclosureOffBalanceSheetRisksLiabilityVariableRate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_FairValueOffBalanceSheetRisksDisclosureInformationAbstract_23b1f514-b209-4d9e-b9d5-0075045112c1" xlink:to="loc_ibcp_ContractDisclosureOffBalanceSheetRisksLiabilityVariableRate_428d87d3-d8a0-46cc-ac96-1b1224e516db" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentOwnedBalanceAbstract_68704b55-2179-4df5-aa8c-17b24a1d5dd8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InvestmentOwnedBalanceAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_CommitmentsAndContingenciesLineItems_acb66c57-1d7f-4328-b43b-8b8690dc3d5f" xlink:to="loc_us-gaap_InvestmentOwnedBalanceAbstract_68704b55-2179-4df5-aa8c-17b24a1d5dd8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentOwnedBalanceShares_44f89d7c-91ad-44f6-8ff3-58c90c31d840" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InvestmentOwnedBalanceShares"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentOwnedBalanceAbstract_68704b55-2179-4df5-aa8c-17b24a1d5dd8" xlink:to="loc_us-gaap_InvestmentOwnedBalanceShares_44f89d7c-91ad-44f6-8ff3-58c90c31d840" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_EquityInvestmentConversionRatio_220df0d0-aa07-4046-b968-a1d07f0a1453" xlink:href="ibcp-20221231.xsd#ibcp_EquityInvestmentConversionRatio"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentOwnedBalanceAbstract_68704b55-2179-4df5-aa8c-17b24a1d5dd8" xlink:to="loc_ibcp_EquityInvestmentConversionRatio_220df0d0-aa07-4046-b968-a1d07f0a1453" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharePrice_8253b693-16bd-4e82-8dd1-33095a943857" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_SharePrice"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentOwnedBalanceAbstract_68704b55-2179-4df5-aa8c-17b24a1d5dd8" xlink:to="loc_us-gaap_SharePrice_8253b693-16bd-4e82-8dd1-33095a943857" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InvestmentOwnedBalanceSharesValue_28c20dfd-82bb-46bb-89d6-51678070a87f" xlink:href="ibcp-20221231.xsd#ibcp_InvestmentOwnedBalanceSharesValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentOwnedBalanceAbstract_68704b55-2179-4df5-aa8c-17b24a1d5dd8" xlink:to="loc_ibcp_InvestmentOwnedBalanceSharesValue_28c20dfd-82bb-46bb-89d6-51678070a87f" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CommitmentsAndContingenciesTable_70f7fb2a-a398-4d64-be35-c8c81f2303ae" xlink:href="ibcp-20221231.xsd#ibcp_CommitmentsAndContingenciesTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_ibcp_CommitmentsAndContingenciesLineItems_acb66c57-1d7f-4328-b43b-8b8690dc3d5f" xlink:to="loc_ibcp_CommitmentsAndContingenciesTable_70f7fb2a-a398-4d64-be35-c8c81f2303ae" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeAxis_8510d302-00f2-496e-a66e-9f4312cac9d3" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_SubsequentEventTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_ibcp_CommitmentsAndContingenciesTable_70f7fb2a-a398-4d64-be35-c8c81f2303ae" xlink:to="loc_us-gaap_SubsequentEventTypeAxis_8510d302-00f2-496e-a66e-9f4312cac9d3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeDomain_8510d302-00f2-496e-a66e-9f4312cac9d3_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_SubsequentEventTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_SubsequentEventTypeAxis_8510d302-00f2-496e-a66e-9f4312cac9d3" xlink:to="loc_us-gaap_SubsequentEventTypeDomain_8510d302-00f2-496e-a66e-9f4312cac9d3_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTypeDomain_07588df7-bd54-49d7-a687-39f8081a74ea" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_SubsequentEventTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_SubsequentEventTypeAxis_8510d302-00f2-496e-a66e-9f4312cac9d3" xlink:to="loc_us-gaap_SubsequentEventTypeDomain_07588df7-bd54-49d7-a687-39f8081a74ea" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventMember_0de063ef-0437-4a9e-817b-0723698dd45d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_SubsequentEventMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SubsequentEventTypeDomain_07588df7-bd54-49d7-a687-39f8081a74ea" xlink:to="loc_us-gaap_SubsequentEventMember_0de063ef-0437-4a9e-817b-0723698dd45d" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeAxis_25b97796-2ffe-4b8f-b405-9d337c55f709" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InvestmentTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_ibcp_CommitmentsAndContingenciesTable_70f7fb2a-a398-4d64-be35-c8c81f2303ae" xlink:to="loc_us-gaap_InvestmentTypeAxis_25b97796-2ffe-4b8f-b405-9d337c55f709" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember_25b97796-2ffe-4b8f-b405-9d337c55f709_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_InvestmentTypeAxis_25b97796-2ffe-4b8f-b405-9d337c55f709" xlink:to="loc_us-gaap_InvestmentTypeCategorizationMember_25b97796-2ffe-4b8f-b405-9d337c55f709_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember_c289c5f8-5703-4604-9082-0c25040b2da5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_InvestmentTypeAxis_25b97796-2ffe-4b8f-b405-9d337c55f709" xlink:to="loc_us-gaap_InvestmentTypeCategorizationMember_c289c5f8-5703-4604-9082-0c25040b2da5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_VISAClassBMember_eafcd0b0-faf9-4df6-8670-6330824e4fcb" xlink:href="ibcp-20221231.xsd#ibcp_VISAClassBMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_c289c5f8-5703-4604-9082-0c25040b2da5" xlink:to="loc_ibcp_VISAClassBMember_eafcd0b0-faf9-4df6-8670-6330824e4fcb" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_VISAClassAStockMember_23575162-1992-4f35-84a6-57d152edde17" xlink:href="ibcp-20221231.xsd#ibcp_VISAClassAStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_c289c5f8-5703-4604-9082-0c25040b2da5" xlink:to="loc_ibcp_VISAClassAStockMember_23575162-1992-4f35-84a6-57d152edde17" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_6345abb1-24df-48df-b5e8-31e7567f613c" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_RangeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_ibcp_CommitmentsAndContingenciesTable_70f7fb2a-a398-4d64-be35-c8c81f2303ae" xlink:to="loc_srt_RangeAxis_6345abb1-24df-48df-b5e8-31e7567f613c" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_6345abb1-24df-48df-b5e8-31e7567f613c_default" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_RangeAxis_6345abb1-24df-48df-b5e8-31e7567f613c" xlink:to="loc_srt_RangeMember_6345abb1-24df-48df-b5e8-31e7567f613c_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_315848ab-91e5-4bde-bbdb-8cc2fb75fdd8" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_RangeAxis_6345abb1-24df-48df-b5e8-31e7567f613c" xlink:to="loc_srt_RangeMember_315848ab-91e5-4bde-bbdb-8cc2fb75fdd8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_7036dd9c-12a1-4ca0-aa20-a6d9f4906b65" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_MinimumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_315848ab-91e5-4bde-bbdb-8cc2fb75fdd8" xlink:to="loc_srt_MinimumMember_7036dd9c-12a1-4ca0-aa20-a6d9f4906b65" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_fdbea35d-c7c6-407c-810a-fa6b6b50858a" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_MaximumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_315848ab-91e5-4bde-bbdb-8cc2fb75fdd8" xlink:to="loc_srt_MaximumMember_fdbea35d-c7c6-407c-810a-fa6b6b50858a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_563e76c3-5930-4607-b34a-fd33bf8a8194" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_ibcp_CommitmentsAndContingenciesTable_70f7fb2a-a398-4d64-be35-c8c81f2303ae" xlink:to="loc_us-gaap_FinancialInstrumentAxis_563e76c3-5930-4607-b34a-fd33bf8a8194" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_563e76c3-5930-4607-b34a-fd33bf8a8194_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_563e76c3-5930-4607-b34a-fd33bf8a8194" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_563e76c3-5930-4607-b34a-fd33bf8a8194_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6bf157ec-f2db-4e95-a3ab-99ddefa2e409" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_563e76c3-5930-4607-b34a-fd33bf8a8194" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6bf157ec-f2db-4e95-a3ab-99ddefa2e409" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StandbyLettersOfCreditMember_cca44cac-fd23-484c-9ddf-6048f20d31c7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StandbyLettersOfCreditMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_6bf157ec-f2db-4e95-a3ab-99ddefa2e409" xlink:to="loc_us-gaap_StandbyLettersOfCreditMember_cca44cac-fd23-484c-9ddf-6048f20d31c7" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/ShareholdersEquityandNetIncomePerCommonShareNarrativeDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#ShareholdersEquityandNetIncomePerCommonShareNarrativeDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/ShareholdersEquityandNetIncomePerCommonShareNarrativeDetails" xlink:type="extended" id="ide5b60bf581d4647b4d0597c22e3c51b_ShareholdersEquityandNetIncomePerCommonShareNarrativeDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockLineItems_dec6f658-0cba-44f8-a1c8-b60942b3b30a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ClassOfStockLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_StockRepurchaseProgramAbstract_f857b63f-254c-47a0-b77a-8965d834abf9" xlink:href="ibcp-20221231.xsd#ibcp_StockRepurchaseProgramAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockLineItems_dec6f658-0cba-44f8-a1c8-b60942b3b30a" xlink:to="loc_ibcp_StockRepurchaseProgramAbstract_f857b63f-254c-47a0-b77a-8965d834abf9" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_StockRepurchaseProgramPercentageOfSharesAuthorizedToBeRepurchased_e427601e-5778-429a-9f04-df87db79ab55" xlink:href="ibcp-20221231.xsd#ibcp_StockRepurchaseProgramPercentageOfSharesAuthorizedToBeRepurchased"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_StockRepurchaseProgramAbstract_f857b63f-254c-47a0-b77a-8965d834abf9" xlink:to="loc_ibcp_StockRepurchaseProgramPercentageOfSharesAuthorizedToBeRepurchased_e427601e-5778-429a-9f04-df87db79ab55" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchasedDuringPeriodShares_0461cd22-0d98-4843-8955-2689a56dd0bd" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StockRepurchasedDuringPeriodShares"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_StockRepurchaseProgramAbstract_f857b63f-254c-47a0-b77a-8965d834abf9" xlink:to="loc_us-gaap_StockRepurchasedDuringPeriodShares_0461cd22-0d98-4843-8955-2689a56dd0bd" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchasedDuringPeriodValue_f6d3b1e2-072b-44bc-a8a9-120b7972d8cf" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StockRepurchasedDuringPeriodValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_StockRepurchaseProgramAbstract_f857b63f-254c-47a0-b77a-8965d834abf9" xlink:to="loc_us-gaap_StockRepurchasedDuringPeriodValue_f6d3b1e2-072b-44bc-a8a9-120b7972d8cf" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_9ed4ea8d-3f23-44c7-9880-3b5d9299d582" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_StockRepurchaseProgramAbstract_f857b63f-254c-47a0-b77a-8965d834abf9" xlink:to="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_9ed4ea8d-3f23-44c7-9880-3b5d9299d582" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfStockByClassTable_7d43c001-5f53-4626-9044-8aa01a6b9223" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfStockByClassTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ClassOfStockLineItems_dec6f658-0cba-44f8-a1c8-b60942b3b30a" xlink:to="loc_us-gaap_ScheduleOfStockByClassTable_7d43c001-5f53-4626-9044-8aa01a6b9223" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_4590a980-ea0d-4160-a7c2-bae7300e75cf" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_7d43c001-5f53-4626-9044-8aa01a6b9223" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_4590a980-ea0d-4160-a7c2-bae7300e75cf" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_4590a980-ea0d-4160-a7c2-bae7300e75cf_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_4590a980-ea0d-4160-a7c2-bae7300e75cf" xlink:to="loc_us-gaap_EquityComponentDomain_4590a980-ea0d-4160-a7c2-bae7300e75cf_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_f7fe22b3-6a9e-44bb-b3b7-75a0fa250a4b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_4590a980-ea0d-4160-a7c2-bae7300e75cf" xlink:to="loc_us-gaap_EquityComponentDomain_f7fe22b3-6a9e-44bb-b3b7-75a0fa250a4b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_05008cb7-055c-4092-9f16-e87ec546720f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommonStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_f7fe22b3-6a9e-44bb-b3b7-75a0fa250a4b" xlink:to="loc_us-gaap_CommonStockMember_05008cb7-055c-4092-9f16-e87ec546720f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_86325145-6635-4845-9b84-ecd25fcee28d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable_7d43c001-5f53-4626-9044-8aa01a6b9223" xlink:to="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_86325145-6635-4845-9b84-ecd25fcee28d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesNameDomain_86325145-6635-4845-9b84-ecd25fcee28d_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AntidilutiveSecuritiesNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_86325145-6635-4845-9b84-ecd25fcee28d" xlink:to="loc_us-gaap_AntidilutiveSecuritiesNameDomain_86325145-6635-4845-9b84-ecd25fcee28d_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesNameDomain_c7f63b5e-6337-45bc-93cf-0c4a7ce2a64c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AntidilutiveSecuritiesNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_86325145-6635-4845-9b84-ecd25fcee28d" xlink:to="loc_us-gaap_AntidilutiveSecuritiesNameDomain_c7f63b5e-6337-45bc-93cf-0c4a7ce2a64c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOptionMember_7297b062-9904-4d63-9e12-7290488c7704" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_EmployeeStockOptionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AntidilutiveSecuritiesNameDomain_c7f63b5e-6337-45bc-93cf-0c4a7ce2a64c" xlink:to="loc_us-gaap_EmployeeStockOptionMember_7297b062-9904-4d63-9e12-7290488c7704" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/ShareBasedCompensationandBenefitPlansNarrativeDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#ShareBasedCompensationandBenefitPlansNarrativeDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/ShareBasedCompensationandBenefitPlansNarrativeDetails" xlink:type="extended" id="ibeadd58404484bb385a578535570688b_ShareBasedCompensationandBenefitPlansNarrativeDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_4a764d29-6bd2-4a4c-8d1d-cbaef683a4f5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationAbstract_60ddb512-a036-4b71-af7b-be3a6745355f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_4a764d29-6bd2-4a4c-8d1d-cbaef683a4f5" xlink:to="loc_us-gaap_ShareBasedCompensationAbstract_60ddb512-a036-4b71-af7b-be3a6745355f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfAdditionalSharesAuthorized_06d736b2-900b-4e6f-810b-ce3cb5dd1bd6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfAdditionalSharesAuthorized"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationAbstract_60ddb512-a036-4b71-af7b-be3a6745355f" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfAdditionalSharesAuthorized_06d736b2-900b-4e6f-810b-ce3cb5dd1bd6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_StockUnitsOrRestrictedSharesIssuedDuringPeriod_f5eeb957-a221-4aa3-ac5d-c94222547fbf" xlink:href="ibcp-20221231.xsd#ibcp_StockUnitsOrRestrictedSharesIssuedDuringPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationAbstract_60ddb512-a036-4b71-af7b-be3a6745355f" xlink:to="loc_ibcp_StockUnitsOrRestrictedSharesIssuedDuringPeriod_f5eeb957-a221-4aa3-ac5d-c94222547fbf" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_4a04de73-c91d-411e-93c7-2cddc3d4b619" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationAbstract_60ddb512-a036-4b71-af7b-be3a6745355f" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_4a04de73-c91d-411e-93c7-2cddc3d4b619" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_SharesIssuedOnDeferralBasisCreditedPercentageOfCurrentValue_67b91d2c-ea02-4e3d-9af5-03fa71fdbdc2" xlink:href="ibcp-20221231.xsd#ibcp_SharesIssuedOnDeferralBasisCreditedPercentageOfCurrentValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationAbstract_60ddb512-a036-4b71-af7b-be3a6745355f" xlink:to="loc_ibcp_SharesIssuedOnDeferralBasisCreditedPercentageOfCurrentValue_67b91d2c-ea02-4e3d-9af5-03fa71fdbdc2" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_SharesIssuedInPlaceOfRetainerFees_8a7bf822-6c74-4e4c-9f3f-aa7405ac6dcb" xlink:href="ibcp-20221231.xsd#ibcp_SharesIssuedInPlaceOfRetainerFees"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationAbstract_60ddb512-a036-4b71-af7b-be3a6745355f" xlink:to="loc_ibcp_SharesIssuedInPlaceOfRetainerFees_8a7bf822-6c74-4e4c-9f3f-aa7405ac6dcb" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllocatedShareBasedCompensationExpense_e133f578-a6c7-4cdb-94b1-a368fbe25b09" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AllocatedShareBasedCompensationExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationAbstract_60ddb512-a036-4b71-af7b-be3a6745355f" xlink:to="loc_us-gaap_AllocatedShareBasedCompensationExpense_e133f578-a6c7-4cdb-94b1-a368fbe25b09" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense_ac2ecad9-b492-4946-9929-102516ddf904" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationAbstract_60ddb512-a036-4b71-af7b-be3a6745355f" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense_ac2ecad9-b492-4946-9929-102516ddf904" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized_d4099878-37b6-4272-aa15-d48f3dcf6e1b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationAbstract_60ddb512-a036-4b71-af7b-be3a6745355f" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized_d4099878-37b6-4272-aa15-d48f3dcf6e1b" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_1cb4b35e-3e86-4fed-99d9-025d416dc96c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationAbstract_60ddb512-a036-4b71-af7b-be3a6745355f" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1_1cb4b35e-3e86-4fed-99d9-025d416dc96c" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch_8f6bd9cc-316f-42b3-a052-1a0e533fd403" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_4a764d29-6bd2-4a4c-8d1d-cbaef683a4f5" xlink:to="loc_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercentOfMatch_8f6bd9cc-316f-42b3-a052-1a0e533fd403" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent_9828b3c4-6362-4a56-8ffe-b2ace3f94750" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_4a764d29-6bd2-4a4c-8d1d-cbaef683a4f5" xlink:to="loc_us-gaap_DefinedContributionPlanEmployerMatchingContributionPercent_9828b3c4-6362-4a56-8ffe-b2ace3f94750" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DefinedContributionPlanMaximumAnnualContributionsEmployerPercent_4de93a0b-2051-4d7a-87e3-da8c73b718d9" xlink:href="ibcp-20221231.xsd#ibcp_DefinedContributionPlanMaximumAnnualContributionsEmployerPercent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_4a764d29-6bd2-4a4c-8d1d-cbaef683a4f5" xlink:to="loc_ibcp_DefinedContributionPlanMaximumAnnualContributionsEmployerPercent_4de93a0b-2051-4d7a-87e3-da8c73b718d9" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_EmployeeStockOwnershipPlanContributions_278daa44-9e0a-48cb-8a78-f15004278273" xlink:href="ibcp-20221231.xsd#ibcp_EmployeeStockOwnershipPlanContributions"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_4a764d29-6bd2-4a4c-8d1d-cbaef683a4f5" xlink:to="loc_ibcp_EmployeeStockOwnershipPlanContributions_278daa44-9e0a-48cb-8a78-f15004278273" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DefinedContributionPlanCostRecognized_9a1e0c3c-6f1c-492b-ac25-8229c80c3296" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DefinedContributionPlanCostRecognized"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_4a764d29-6bd2-4a4c-8d1d-cbaef683a4f5" xlink:to="loc_us-gaap_DefinedContributionPlanCostRecognized_9a1e0c3c-6f1c-492b-ac25-8229c80c3296" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_IncentiveBasedCompensationExpense_3c4da1da-4a1a-4cef-bcab-d58d957977e0" xlink:href="ibcp-20221231.xsd#ibcp_IncentiveBasedCompensationExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_4a764d29-6bd2-4a4c-8d1d-cbaef683a4f5" xlink:to="loc_ibcp_IncentiveBasedCompensationExpense_3c4da1da-4a1a-4cef-bcab-d58d957977e0" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_EmployeeCompensationBenefitHealthCareAndLifeInsuranceExpense_f9c185b7-a280-44d8-addd-9a5919207899" xlink:href="ibcp-20221231.xsd#ibcp_EmployeeCompensationBenefitHealthCareAndLifeInsuranceExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_4a764d29-6bd2-4a4c-8d1d-cbaef683a4f5" xlink:to="loc_ibcp_EmployeeCompensationBenefitHealthCareAndLifeInsuranceExpense_f9c185b7-a280-44d8-addd-9a5919207899" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_ddbed460-087f-4f14-a07e-9a3117a98954" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_4a764d29-6bd2-4a4c-8d1d-cbaef683a4f5" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_ddbed460-087f-4f14-a07e-9a3117a98954" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_TitleOfIndividualAxis_ed431a77-1115-485a-a957-38897d5f7e46" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_TitleOfIndividualAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_ddbed460-087f-4f14-a07e-9a3117a98954" xlink:to="loc_srt_TitleOfIndividualAxis_ed431a77-1115-485a-a957-38897d5f7e46" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_TitleOfIndividualWithRelationshipToEntityDomain_ed431a77-1115-485a-a957-38897d5f7e46_default" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_TitleOfIndividualWithRelationshipToEntityDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_TitleOfIndividualAxis_ed431a77-1115-485a-a957-38897d5f7e46" xlink:to="loc_srt_TitleOfIndividualWithRelationshipToEntityDomain_ed431a77-1115-485a-a957-38897d5f7e46_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_TitleOfIndividualWithRelationshipToEntityDomain_07e615cf-0099-4d0c-bf25-d3997c867e7d" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_TitleOfIndividualWithRelationshipToEntityDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_TitleOfIndividualAxis_ed431a77-1115-485a-a957-38897d5f7e46" xlink:to="loc_srt_TitleOfIndividualWithRelationshipToEntityDomain_07e615cf-0099-4d0c-bf25-d3997c867e7d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_NonEmployeeDirectorsMember_6beb08e1-2440-4d50-8a8d-67a67dbe7077" xlink:href="ibcp-20221231.xsd#ibcp_NonEmployeeDirectorsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_TitleOfIndividualWithRelationshipToEntityDomain_07e615cf-0099-4d0c-bf25-d3997c867e7d" xlink:to="loc_ibcp_NonEmployeeDirectorsMember_6beb08e1-2440-4d50-8a8d-67a67dbe7077" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ExecutiveOfficerMember_5af76533-1a98-4b19-af7a-3f7a5fc7e50b" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_ExecutiveOfficerMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_TitleOfIndividualWithRelationshipToEntityDomain_07e615cf-0099-4d0c-bf25-d3997c867e7d" xlink:to="loc_srt_ExecutiveOfficerMember_5af76533-1a98-4b19-af7a-3f7a5fc7e50b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_DirectorMember_12eb1510-0c05-432a-a8b1-0827fbb34220" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_DirectorMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_TitleOfIndividualWithRelationshipToEntityDomain_07e615cf-0099-4d0c-bf25-d3997c867e7d" xlink:to="loc_srt_DirectorMember_12eb1510-0c05-432a-a8b1-0827fbb34220" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_5e719fdf-98d1-4656-950a-6cb5d413ee8b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AwardTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_ddbed460-087f-4f14-a07e-9a3117a98954" xlink:to="loc_us-gaap_AwardTypeAxis_5e719fdf-98d1-4656-950a-6cb5d413ee8b" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_5e719fdf-98d1-4656-950a-6cb5d413ee8b_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_AwardTypeAxis_5e719fdf-98d1-4656-950a-6cb5d413ee8b" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_5e719fdf-98d1-4656-950a-6cb5d413ee8b_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_57f26b97-a16c-4f9d-b435-f988c99a1e07" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_AwardTypeAxis_5e719fdf-98d1-4656-950a-6cb5d413ee8b" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_57f26b97-a16c-4f9d-b435-f988c99a1e07" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockMember_7c7cf1ff-7ae8-4f6a-8dbe-21f45c6b1298" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_RestrictedStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_57f26b97-a16c-4f9d-b435-f988c99a1e07" xlink:to="loc_us-gaap_RestrictedStockMember_7c7cf1ff-7ae8-4f6a-8dbe-21f45c6b1298" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PerformanceSharesMember_bc0bc7e2-33a2-4015-aece-de16dfcef43f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PerformanceSharesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_57f26b97-a16c-4f9d-b435-f988c99a1e07" xlink:to="loc_us-gaap_PerformanceSharesMember_bc0bc7e2-33a2-4015-aece-de16dfcef43f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanNameAxis_56255b88-193a-4adf-87c9-c0f1d3165f22" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PlanNameAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_ddbed460-087f-4f14-a07e-9a3117a98954" xlink:to="loc_us-gaap_PlanNameAxis_56255b88-193a-4adf-87c9-c0f1d3165f22" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanNameDomain_56255b88-193a-4adf-87c9-c0f1d3165f22_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_PlanNameAxis_56255b88-193a-4adf-87c9-c0f1d3165f22" xlink:to="loc_us-gaap_PlanNameDomain_56255b88-193a-4adf-87c9-c0f1d3165f22_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanNameDomain_cf98de8f-bf34-434f-b785-ca2fed6e043e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_PlanNameAxis_56255b88-193a-4adf-87c9-c0f1d3165f22" xlink:to="loc_us-gaap_PlanNameDomain_cf98de8f-bf34-434f-b785-ca2fed6e043e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_LongTermIncentivePlanMember_c3b37a5b-2e6a-4d90-9331-3d846f71d829" xlink:href="ibcp-20221231.xsd#ibcp_LongTermIncentivePlanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PlanNameDomain_cf98de8f-bf34-434f-b785-ca2fed6e043e" xlink:to="loc_ibcp_LongTermIncentivePlanMember_c3b37a5b-2e6a-4d90-9331-3d846f71d829" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/ShareBasedCompensationandBenefitPlansOutstandingStockOptionGrantsandRelatedTransactionsDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#ShareBasedCompensationandBenefitPlansOutstandingStockOptionGrantsandRelatedTransactionsDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/ShareBasedCompensationandBenefitPlansOutstandingStockOptionGrantsandRelatedTransactionsDetails" xlink:type="extended" id="ic0d3f8639f704bb2a984eadcfd1b23ca_ShareBasedCompensationandBenefitPlansOutstandingStockOptionGrantsandRelatedTransactionsDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_e00ed2e5-7105-43c8-815a-838e1fc62194" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationAbstract_7b5784d7-49cc-496c-8d1e-0f41693086d8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_e00ed2e5-7105-43c8-815a-838e1fc62194" xlink:to="loc_us-gaap_ShareBasedCompensationAbstract_7b5784d7-49cc-496c-8d1e-0f41693086d8" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_83f299b3-09d7-4061-924b-5138ddb8b657" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationAbstract_7b5784d7-49cc-496c-8d1e-0f41693086d8" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_83f299b3-09d7-4061-924b-5138ddb8b657" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_f0346550-3851-4750-a1bf-5b8d5727bb02" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_83f299b3-09d7-4061-924b-5138ddb8b657" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_f0346550-3851-4750-a1bf-5b8d5727bb02" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross_8864a902-6963-4b11-84f6-44786370dc12" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_83f299b3-09d7-4061-924b-5138ddb8b657" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross_8864a902-6963-4b11-84f6-44786370dc12" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised_6db7c373-63d4-4332-935d-7c80e51460c5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_83f299b3-09d7-4061-924b-5138ddb8b657" xlink:to="loc_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised_6db7c373-63d4-4332-935d-7c80e51460c5" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_2909543b-579d-4abe-bbf3-20f9f02f2336" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_83f299b3-09d7-4061-924b-5138ddb8b657" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod_2909543b-579d-4abe-bbf3-20f9f02f2336" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpirationsInPeriod_41733642-cc49-40b5-92e2-8884987d04e6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpirationsInPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward_83f299b3-09d7-4061-924b-5138ddb8b657" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExpirationsInPeriod_41733642-cc49-40b5-92e2-8884987d04e6" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_7fb1ecbe-0dfc-4609-b11a-03f3524650e3" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber_a7f3713f-ebd7-4c07-a02d-5f2ee4f837c4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationAbstract_7b5784d7-49cc-496c-8d1e-0f41693086d8" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber_a7f3713f-ebd7-4c07-a02d-5f2ee4f837c4" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_6f71ab91-67db-46b7-8e1c-f9c7a2f8a83e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationAbstract_7b5784d7-49cc-496c-8d1e-0f41693086d8" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_6f71ab91-67db-46b7-8e1c-f9c7a2f8a83e" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_1f696a25-af42-4916-b000-20c4a8d4deb8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationAbstract_7b5784d7-49cc-496c-8d1e-0f41693086d8" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_1f696a25-af42-4916-b000-20c4a8d4deb8" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_d7a637ee-a041-4be9-b8e7-ad8e6681ca91" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_1f696a25-af42-4916-b000-20c4a8d4deb8" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_d7a637ee-a041-4be9-b8e7-ad8e6681ca91" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_bf764b6f-2fb3-4b44-881b-f511890929a4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward_1f696a25-af42-4916-b000-20c4a8d4deb8" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice_bf764b6f-2fb3-4b44-881b-f511890929a4" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_88ab7cef-5010-47b1-955d-1866270ecd96" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageExercisePrice_e2874b17-0a64-4769-a29f-8b2fd45731dd" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageExercisePrice"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationAbstract_7b5784d7-49cc-496c-8d1e-0f41693086d8" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageExercisePrice_e2874b17-0a64-4769-a29f-8b2fd45731dd" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_1f122252-ea95-4a51-8396-cd88aa4829c5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationAbstract_7b5784d7-49cc-496c-8d1e-0f41693086d8" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_1f122252-ea95-4a51-8396-cd88aa4829c5" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_883b1fa6-ed8b-49f8-9cc1-543ee7288bf5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationAbstract_7b5784d7-49cc-496c-8d1e-0f41693086d8" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_883b1fa6-ed8b-49f8-9cc1-543ee7288bf5" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2_5131be33-bac1-4a99-9d35-b942dd6970e9" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_883b1fa6-ed8b-49f8-9cc1-543ee7288bf5" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2_5131be33-bac1-4a99-9d35-b942dd6970e9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm1_f05793de-c104-4ef1-a807-c9fe0bf895f4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_883b1fa6-ed8b-49f8-9cc1-543ee7288bf5" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm1_f05793de-c104-4ef1-a807-c9fe0bf895f4" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1_41d270d3-5fb2-4c4e-a84c-f934ff0183cd" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract_883b1fa6-ed8b-49f8-9cc1-543ee7288bf5" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1_41d270d3-5fb2-4c4e-a84c-f934ff0183cd" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_AggregateIntrinsicValueAbstract_d8d224ce-e924-42fd-bd5b-6d273bb09c17" xlink:href="ibcp-20221231.xsd#ibcp_AggregateIntrinsicValueAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationAbstract_7b5784d7-49cc-496c-8d1e-0f41693086d8" xlink:to="loc_ibcp_AggregateIntrinsicValueAbstract_d8d224ce-e924-42fd-bd5b-6d273bb09c17" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_a2d5cc07-c8e4-41f8-a688-fe1c20d66936" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_AggregateIntrinsicValueAbstract_d8d224ce-e924-42fd-bd5b-6d273bb09c17" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_a2d5cc07-c8e4-41f8-a688-fe1c20d66936" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAggregateIntrinsicValue_7d937f35-1ca7-4dd1-8404-6a01f0fd7ee4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAggregateIntrinsicValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_AggregateIntrinsicValueAbstract_d8d224ce-e924-42fd-bd5b-6d273bb09c17" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAggregateIntrinsicValue_7d937f35-1ca7-4dd1-8404-6a01f0fd7ee4" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_8239f338-39eb-4360-8357-610e818df8ee" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_AggregateIntrinsicValueAbstract_d8d224ce-e924-42fd-bd5b-6d273bb09c17" xlink:to="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1_8239f338-39eb-4360-8357-610e818df8ee" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_76810ed4-6466-45b9-b059-88b88857d542" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_e00ed2e5-7105-43c8-815a-838e1fc62194" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_76810ed4-6466-45b9-b059-88b88857d542" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_aabcc223-383a-4335-bdb3-8485f2554407" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AwardTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_76810ed4-6466-45b9-b059-88b88857d542" xlink:to="loc_us-gaap_AwardTypeAxis_aabcc223-383a-4335-bdb3-8485f2554407" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_aabcc223-383a-4335-bdb3-8485f2554407_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_AwardTypeAxis_aabcc223-383a-4335-bdb3-8485f2554407" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_aabcc223-383a-4335-bdb3-8485f2554407_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_3bcdec58-16f0-4af7-ae90-b4dd5068ac09" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_AwardTypeAxis_aabcc223-383a-4335-bdb3-8485f2554407" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_3bcdec58-16f0-4af7-ae90-b4dd5068ac09" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOptionMember_faadf7cd-30bc-4f3a-b395-fd6b872ae0aa" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_EmployeeStockOptionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_3bcdec58-16f0-4af7-ae90-b4dd5068ac09" xlink:to="loc_us-gaap_EmployeeStockOptionMember_faadf7cd-30bc-4f3a-b395-fd6b872ae0aa" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/ShareBasedCompensationandBenefitPlansOutstandingNonvestedStockandRelatedTransactionsDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#ShareBasedCompensationandBenefitPlansOutstandingNonvestedStockandRelatedTransactionsDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/ShareBasedCompensationandBenefitPlansOutstandingNonvestedStockandRelatedTransactionsDetails" xlink:type="extended" id="i505cdecbed5a4b2da2e67f24293c7dd1_ShareBasedCompensationandBenefitPlansOutstandingNonvestedStockandRelatedTransactionsDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_1109f40d-5560-4620-b09a-f14e83c721a1" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationAbstract_e58ff820-4233-4129-9957-33d19038e1fd" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_1109f40d-5560-4620-b09a-f14e83c721a1" xlink:to="loc_us-gaap_ShareBasedCompensationAbstract_e58ff820-4233-4129-9957-33d19038e1fd" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_88753fd7-abb2-4e96-9e9f-8099394f7e00" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationAbstract_e58ff820-4233-4129-9957-33d19038e1fd" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_88753fd7-abb2-4e96-9e9f-8099394f7e00" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_5ba6ea8f-9396-4fa9-bc79-2a15ba2cddd0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_88753fd7-abb2-4e96-9e9f-8099394f7e00" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_5ba6ea8f-9396-4fa9-bc79-2a15ba2cddd0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_e91b1910-ad73-48c9-9a0a-7dd43cc175f5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_88753fd7-abb2-4e96-9e9f-8099394f7e00" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_e91b1910-ad73-48c9-9a0a-7dd43cc175f5" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_4dc20b2b-b644-4e6d-b1f2-173fb9b6066e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_88753fd7-abb2-4e96-9e9f-8099394f7e00" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod_4dc20b2b-b644-4e6d-b1f2-173fb9b6066e" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_2eecfe1b-a8a8-4950-9689-cf89873b1dad" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward_88753fd7-abb2-4e96-9e9f-8099394f7e00" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_2eecfe1b-a8a8-4950-9689-cf89873b1dad" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_31f0ec2b-79f6-4568-82c4-7cd31cd054e5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_25fa06df-be13-4c28-92ec-c07793ab3d34" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationAbstract_e58ff820-4233-4129-9957-33d19038e1fd" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_25fa06df-be13-4c28-92ec-c07793ab3d34" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_186c3af8-fbac-4c1d-9f29-d86c44727554" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_25fa06df-be13-4c28-92ec-c07793ab3d34" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_186c3af8-fbac-4c1d-9f29-d86c44727554" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_3f359f4a-ac54-4d0a-94aa-ac0b440b1671" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_25fa06df-be13-4c28-92ec-c07793ab3d34" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_3f359f4a-ac54-4d0a-94aa-ac0b440b1671" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_aae09ae2-3af0-43d9-aa93-0be91afbdf54" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_25fa06df-be13-4c28-92ec-c07793ab3d34" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_aae09ae2-3af0-43d9-aa93-0be91afbdf54" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_55457752-5986-4c7f-b490-a614f674cf9c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_25fa06df-be13-4c28-92ec-c07793ab3d34" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_55457752-5986-4c7f-b490-a614f674cf9c" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_cd41b270-044d-463c-a0ed-3955bfe1ad38" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_122e260c-97d7-497d-8e16-791a3cbb825e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_1109f40d-5560-4620-b09a-f14e83c721a1" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_122e260c-97d7-497d-8e16-791a3cbb825e" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_8c71b09b-43e2-458e-a9d3-1a7cc055c678" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AwardTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_122e260c-97d7-497d-8e16-791a3cbb825e" xlink:to="loc_us-gaap_AwardTypeAxis_8c71b09b-43e2-458e-a9d3-1a7cc055c678" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_8c71b09b-43e2-458e-a9d3-1a7cc055c678_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_AwardTypeAxis_8c71b09b-43e2-458e-a9d3-1a7cc055c678" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_8c71b09b-43e2-458e-a9d3-1a7cc055c678_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_33ac4af4-c80a-47b5-bb45-db80a74ac408" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_AwardTypeAxis_8c71b09b-43e2-458e-a9d3-1a7cc055c678" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_33ac4af4-c80a-47b5-bb45-db80a74ac408" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_NonVestedRestrictedStockAndPerformanceStockUnitsMember_24d87e2a-c5d4-48cd-acde-8dd8d8fafab0" xlink:href="ibcp-20221231.xsd#ibcp_NonVestedRestrictedStockAndPerformanceStockUnitsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_33ac4af4-c80a-47b5-bb45-db80a74ac408" xlink:to="loc_ibcp_NonVestedRestrictedStockAndPerformanceStockUnitsMember_24d87e2a-c5d4-48cd-acde-8dd8d8fafab0" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/ShareBasedCompensationandBenefitPlansOptionsExercisedDuringthePeriodsDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#ShareBasedCompensationandBenefitPlansOptionsExercisedDuringthePeriodsDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/ShareBasedCompensationandBenefitPlansOptionsExercisedDuringthePeriodsDetails" xlink:type="extended" id="i96bd3cb41b9041ef915f8dc4d43dbfbb_ShareBasedCompensationandBenefitPlansOptionsExercisedDuringthePeriodsDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_20ec0510-8c02-4252-b41f-d1d6fcd9ea5a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationAbstract_34063dcb-53e3-4851-97a3-438e13c66516" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_20ec0510-8c02-4252-b41f-d1d6fcd9ea5a" xlink:to="loc_us-gaap_ShareBasedCompensationAbstract_34063dcb-53e3-4851-97a3-438e13c66516" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalGeneralDisclosuresAbstract_2663c124-bbf4-4bd8-936f-dc843d8cd8c1" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalGeneralDisclosuresAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationAbstract_34063dcb-53e3-4851-97a3-438e13c66516" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalGeneralDisclosuresAbstract_2663c124-bbf4-4bd8-936f-dc843d8cd8c1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_3f006cc0-4abb-43c9-a98b-c0605703efa2" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalGeneralDisclosuresAbstract_2663c124-bbf4-4bd8-936f-dc843d8cd8c1" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue_3f006cc0-4abb-43c9-a98b-c0605703efa2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromStockOptionsExercised_5fcf2dfa-2a22-438f-b09d-affc808cd6e6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ProceedsFromStockOptionsExercised"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalGeneralDisclosuresAbstract_2663c124-bbf4-4bd8-936f-dc843d8cd8c1" xlink:to="loc_us-gaap_ProceedsFromStockOptionsExercised_5fcf2dfa-2a22-438f-b09d-affc808cd6e6" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromExerciseOfStockOptions_eb95d486-3cbf-4362-9702-100c5d73edef" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromExerciseOfStockOptions"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAdditionalGeneralDisclosuresAbstract_2663c124-bbf4-4bd8-936f-dc843d8cd8c1" xlink:to="loc_us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitFromExerciseOfStockOptions_eb95d486-3cbf-4362-9702-100c5d73edef" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_8dac8186-7f17-4783-8126-b3877d9770e3" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_20ec0510-8c02-4252-b41f-d1d6fcd9ea5a" xlink:to="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_8dac8186-7f17-4783-8126-b3877d9770e3" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis_7bf0ab70-d5ab-4367-887e-42a901eb0347" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AwardTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_8dac8186-7f17-4783-8126-b3877d9770e3" xlink:to="loc_us-gaap_AwardTypeAxis_7bf0ab70-d5ab-4367-887e-42a901eb0347" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_7bf0ab70-d5ab-4367-887e-42a901eb0347_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_AwardTypeAxis_7bf0ab70-d5ab-4367-887e-42a901eb0347" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_7bf0ab70-d5ab-4367-887e-42a901eb0347_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_792b14c8-40d3-440a-9064-f2f350c04072" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_AwardTypeAxis_7bf0ab70-d5ab-4367-887e-42a901eb0347" xlink:to="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_792b14c8-40d3-440a-9064-f2f350c04072" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOptionMember_73f15add-5181-40ef-a2e9-d798f41fd881" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_EmployeeStockOptionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_792b14c8-40d3-440a-9064-f2f350c04072" xlink:to="loc_us-gaap_EmployeeStockOptionMember_73f15add-5181-40ef-a2e9-d798f41fd881" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/DerivativeFinancialInstrumentsTypeofHedgeDesignationandFairValueofDerivativeInstrumentsDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#DerivativeFinancialInstrumentsTypeofHedgeDesignationandFairValueofDerivativeInstrumentsDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/DerivativeFinancialInstrumentsTypeofHedgeDesignationandFairValueofDerivativeInstrumentsDetails" xlink:type="extended" id="iba8f5c1bde3e4580aca0c7e751e5d414_DerivativeFinancialInstrumentsTypeofHedgeDesignationandFairValueofDerivativeInstrumentsDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativesFairValueLineItems_6733035e-f225-4599-8d75-be0114826789" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativesFairValueLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentDetailAbstract_8f13abfc-6246-4746-9734-6656c81ce42f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativeInstrumentDetailAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativesFairValueLineItems_6733035e-f225-4599-8d75-be0114826789" xlink:to="loc_us-gaap_DerivativeInstrumentDetailAbstract_8f13abfc-6246-4746-9734-6656c81ce42f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetNotionalAmount_0fc5348d-9db2-46bd-9770-8c8f1b695208" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativeAssetNotionalAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentDetailAbstract_8f13abfc-6246-4746-9734-6656c81ce42f" xlink:to="loc_us-gaap_DerivativeAssetNotionalAmount_0fc5348d-9db2-46bd-9770-8c8f1b695208" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAverageRemainingMaturity1_99562fa1-6540-487f-b80a-67733cb57d1c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativeAverageRemainingMaturity1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentDetailAbstract_8f13abfc-6246-4746-9734-6656c81ce42f" xlink:to="loc_us-gaap_DerivativeAverageRemainingMaturity1_99562fa1-6540-487f-b80a-67733cb57d1c" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeNet_5c55f731-291f-4828-8672-bfea977e3cb5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativeFairValueOfDerivativeNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentDetailAbstract_8f13abfc-6246-4746-9734-6656c81ce42f" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeNet_5c55f731-291f-4828-8672-bfea977e3cb5" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_5153965e-b66b-46f3-9df1-48b341d34dcd" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DerivativesFairValueLineItems_6733035e-f225-4599-8d75-be0114826789" xlink:to="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_5153965e-b66b-46f3-9df1-48b341d34dcd" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingActivityByTypeAxis_fdd97ffe-d5cf-4f29-a619-64bf9a8e49f5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TradingActivityByTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_5153965e-b66b-46f3-9df1-48b341d34dcd" xlink:to="loc_us-gaap_TradingActivityByTypeAxis_fdd97ffe-d5cf-4f29-a619-64bf9a8e49f5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingActivityByTypeDomain_fdd97ffe-d5cf-4f29-a619-64bf9a8e49f5_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TradingActivityByTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_TradingActivityByTypeAxis_fdd97ffe-d5cf-4f29-a619-64bf9a8e49f5" xlink:to="loc_us-gaap_TradingActivityByTypeDomain_fdd97ffe-d5cf-4f29-a619-64bf9a8e49f5_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingActivityByTypeDomain_ead0592b-555c-4948-8181-05cd08313d45" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TradingActivityByTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_TradingActivityByTypeAxis_fdd97ffe-d5cf-4f29-a619-64bf9a8e49f5" xlink:to="loc_us-gaap_TradingActivityByTypeDomain_ead0592b-555c-4948-8181-05cd08313d45" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FixedIncomeInterestRateMember_2092dd1d-876d-4d01-b790-9b9f9d4897b6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FixedIncomeInterestRateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TradingActivityByTypeDomain_ead0592b-555c-4948-8181-05cd08313d45" xlink:to="loc_us-gaap_FixedIncomeInterestRateMember_2092dd1d-876d-4d01-b790-9b9f9d4897b6" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableIncomeInterestRateMember_04afc305-c9ab-44d0-ada8-26ac8c006be2" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_VariableIncomeInterestRateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TradingActivityByTypeDomain_ead0592b-555c-4948-8181-05cd08313d45" xlink:to="loc_us-gaap_VariableIncomeInterestRateMember_04afc305-c9ab-44d0-ada8-26ac8c006be2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis_2cc86297-f04e-41c7-baea-6a88bf8dc2a7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_5153965e-b66b-46f3-9df1-48b341d34dcd" xlink:to="loc_us-gaap_HedgingDesignationAxis_2cc86297-f04e-41c7-baea-6a88bf8dc2a7" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_2cc86297-f04e-41c7-baea-6a88bf8dc2a7_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_HedgingDesignationAxis_2cc86297-f04e-41c7-baea-6a88bf8dc2a7" xlink:to="loc_us-gaap_HedgingDesignationDomain_2cc86297-f04e-41c7-baea-6a88bf8dc2a7_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_48510393-9607-4986-8e8f-8e21a338a0ee" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_HedgingDesignationAxis_2cc86297-f04e-41c7-baea-6a88bf8dc2a7" xlink:to="loc_us-gaap_HedgingDesignationDomain_48510393-9607-4986-8e8f-8e21a338a0ee" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NondesignatedMember_b9f58bbe-27ce-41a2-96ad-905eb5509a02" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NondesignatedMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingDesignationDomain_48510393-9607-4986-8e8f-8e21a338a0ee" xlink:to="loc_us-gaap_NondesignatedMember_b9f58bbe-27ce-41a2-96ad-905eb5509a02" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_2a7774b6-12e9-41c2-b60a-b924b6768e40" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_5153965e-b66b-46f3-9df1-48b341d34dcd" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_2a7774b6-12e9-41c2-b60a-b924b6768e40" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingRelationshipDomain_2a7774b6-12e9-41c2-b60a-b924b6768e40_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HedgingRelationshipDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_2a7774b6-12e9-41c2-b60a-b924b6768e40" xlink:to="loc_us-gaap_HedgingRelationshipDomain_2a7774b6-12e9-41c2-b60a-b924b6768e40_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingRelationshipDomain_784260e1-b6c0-44ef-9935-a481d281cb12" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HedgingRelationshipDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_2a7774b6-12e9-41c2-b60a-b924b6768e40" xlink:to="loc_us-gaap_HedgingRelationshipDomain_784260e1-b6c0-44ef-9935-a481d281cb12" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueHedgingMember_90f5ff30-53f9-44bd-8be9-1339a3b88e67" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueHedgingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingRelationshipDomain_784260e1-b6c0-44ef-9935-a481d281cb12" xlink:to="loc_us-gaap_FairValueHedgingMember_90f5ff30-53f9-44bd-8be9-1339a3b88e67" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_84136580-535b-411a-af46-abd9f59cde18" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_5153965e-b66b-46f3-9df1-48b341d34dcd" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_84136580-535b-411a-af46-abd9f59cde18" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_84136580-535b-411a-af46-abd9f59cde18_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_84136580-535b-411a-af46-abd9f59cde18" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_84136580-535b-411a-af46-abd9f59cde18_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_cfde9df7-74b3-4546-bb3c-ef339f2bb9f6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_84136580-535b-411a-af46-abd9f59cde18" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_cfde9df7-74b3-4546-bb3c-ef339f2bb9f6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwapMember_23cf8809-924d-4c3d-a8b2-9657532ac88e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InterestRateSwapMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_cfde9df7-74b3-4546-bb3c-ef339f2bb9f6" xlink:to="loc_us-gaap_InterestRateSwapMember_23cf8809-924d-4c3d-a8b2-9657532ac88e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateCapMember_efb753cb-cb57-4a20-9293-746d06ec2c21" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InterestRateCapMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_cfde9df7-74b3-4546-bb3c-ef339f2bb9f6" xlink:to="loc_us-gaap_InterestRateCapMember_efb753cb-cb57-4a20-9293-746d06ec2c21" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateLockCommitmentsMember_00f9d920-f0d4-4b86-9036-b2851aeb8c45" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InterestRateLockCommitmentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_cfde9df7-74b3-4546-bb3c-ef339f2bb9f6" xlink:to="loc_us-gaap_InterestRateLockCommitmentsMember_00f9d920-f0d4-4b86-9036-b2851aeb8c45" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_MandatoryCommitmentsToSellMortgageLoansMember_dc7efff0-4c6a-4fec-8e6b-1569df01eb0b" xlink:href="ibcp-20221231.xsd#ibcp_MandatoryCommitmentsToSellMortgageLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_cfde9df7-74b3-4546-bb3c-ef339f2bb9f6" xlink:to="loc_ibcp_MandatoryCommitmentsToSellMortgageLoansMember_dc7efff0-4c6a-4fec-8e6b-1569df01eb0b" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwaptionMember_aa045b04-5489-451a-86c7-8735baf1cae6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InterestRateSwaptionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_cfde9df7-74b3-4546-bb3c-ef339f2bb9f6" xlink:to="loc_us-gaap_InterestRateSwaptionMember_aa045b04-5489-451a-86c7-8735baf1cae6" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InterestRateSwapNoncommercialMember_a6414be0-d45a-4801-bf00-5323b9d13df6" xlink:href="ibcp-20221231.xsd#ibcp_InterestRateSwapNoncommercialMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_cfde9df7-74b3-4546-bb3c-ef339f2bb9f6" xlink:to="loc_ibcp_InterestRateSwapNoncommercialMember_a6414be0-d45a-4801-bf00-5323b9d13df6" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_a1a166e6-b3a7-46f2-88fc-a9c0e8a7092a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_5153965e-b66b-46f3-9df1-48b341d34dcd" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_a1a166e6-b3a7-46f2-88fc-a9c0e8a7092a" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_a1a166e6-b3a7-46f2-88fc-a9c0e8a7092a_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_a1a166e6-b3a7-46f2-88fc-a9c0e8a7092a" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_a1a166e6-b3a7-46f2-88fc-a9c0e8a7092a_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_35aeb2ef-500f-4765-a489-e569a05eef66" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_a1a166e6-b3a7-46f2-88fc-a9c0e8a7092a" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_35aeb2ef-500f-4765-a489-e569a05eef66" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_25476e1f-38b3-4b80-8885-cc41ff0f258f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_35aeb2ef-500f-4765-a489-e569a05eef66" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_25476e1f-38b3-4b80-8885-cc41ff0f258f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentPortfolioSegmentMember_06a95f9f-bf23-4a1a-b525-db12dce5cafd" xlink:href="ibcp-20221231.xsd#ibcp_InstallmentPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_35aeb2ef-500f-4765-a489-e569a05eef66" xlink:to="loc_ibcp_InstallmentPortfolioSegmentMember_06a95f9f-bf23-4a1a-b525-db12dce5cafd" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/DerivativeFinancialInstrumentsNarrativeDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#DerivativeFinancialInstrumentsNarrativeDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/DerivativeFinancialInstrumentsNarrativeDetails" xlink:type="extended" id="i6459cc5b13db40d8a2685cb26e51a133_DerivativeFinancialInstrumentsNarrativeDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_4ac00213-20ee-4bfb-b6f7-a920da88458a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrealizedGainLossOnDerivatives_11d93736-1f9a-4673-81d1-d9915410ed46" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_UnrealizedGainLossOnDerivatives"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_4ac00213-20ee-4bfb-b6f7-a920da88458a" xlink:to="loc_us-gaap_UnrealizedGainLossOnDerivatives_11d93736-1f9a-4673-81d1-d9915410ed46" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DerivativeInstrumentAmountOfContractMatured_dd426131-6ac8-458d-8246-bdeb5142412e" xlink:href="ibcp-20221231.xsd#ibcp_DerivativeInstrumentAmountOfContractMatured"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_4ac00213-20ee-4bfb-b6f7-a920da88458a" xlink:to="loc_ibcp_DerivativeInstrumentAmountOfContractMatured_dd426131-6ac8-458d-8246-bdeb5142412e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_94a2698e-1257-4d7a-bbcf-132ff31d6131" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_4ac00213-20ee-4bfb-b6f7-a920da88458a" xlink:to="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_94a2698e-1257-4d7a-bbcf-132ff31d6131" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_254cd677-78ce-4fb8-bad0-13a30f82f5b5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_94a2698e-1257-4d7a-bbcf-132ff31d6131" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_254cd677-78ce-4fb8-bad0-13a30f82f5b5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_254cd677-78ce-4fb8-bad0-13a30f82f5b5_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_254cd677-78ce-4fb8-bad0-13a30f82f5b5" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_254cd677-78ce-4fb8-bad0-13a30f82f5b5_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_c3c7c312-1c03-4e68-937a-c044ec7f7f1d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_254cd677-78ce-4fb8-bad0-13a30f82f5b5" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_c3c7c312-1c03-4e68-937a-c044ec7f7f1d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateCapMember_10647f97-dff0-4164-97f3-85d8e0b9f002" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InterestRateCapMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_c3c7c312-1c03-4e68-937a-c044ec7f7f1d" xlink:to="loc_us-gaap_InterestRateCapMember_10647f97-dff0-4164-97f3-85d8e0b9f002" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis_fb731b6d-4e3c-4bfd-b4d1-64d3ee40b740" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_94a2698e-1257-4d7a-bbcf-132ff31d6131" xlink:to="loc_us-gaap_HedgingDesignationAxis_fb731b6d-4e3c-4bfd-b4d1-64d3ee40b740" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_fb731b6d-4e3c-4bfd-b4d1-64d3ee40b740_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_HedgingDesignationAxis_fb731b6d-4e3c-4bfd-b4d1-64d3ee40b740" xlink:to="loc_us-gaap_HedgingDesignationDomain_fb731b6d-4e3c-4bfd-b4d1-64d3ee40b740_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_d1ce230a-3d5d-4732-a372-613fe167c2d4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_HedgingDesignationAxis_fb731b6d-4e3c-4bfd-b4d1-64d3ee40b740" xlink:to="loc_us-gaap_HedgingDesignationDomain_d1ce230a-3d5d-4732-a372-613fe167c2d4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NondesignatedMember_b76470de-03ad-429b-b106-eb62226832b8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NondesignatedMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingDesignationDomain_d1ce230a-3d5d-4732-a372-613fe167c2d4" xlink:to="loc_us-gaap_NondesignatedMember_b76470de-03ad-429b-b106-eb62226832b8" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/DerivativeFinancialInstrumentsFairValuesofDerivativeInstrumentsDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#DerivativeFinancialInstrumentsFairValuesofDerivativeInstrumentsDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/DerivativeFinancialInstrumentsFairValuesofDerivativeInstrumentsDetails" xlink:type="extended" id="i988d6324afbd4da9b5ebd93282e425ef_DerivativeFinancialInstrumentsFairValuesofDerivativeInstrumentsDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_eaa3b26e-a257-4f3f-a490-de32021524a7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_ab26b6ce-decf-459f-a85c-a2408adda3c9" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_eaa3b26e-a257-4f3f-a490-de32021524a7" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_ab26b6ce-decf-459f-a85c-a2408adda3c9" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_0687b2f3-3c2d-4272-b52e-b64566f91ef5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_eaa3b26e-a257-4f3f-a490-de32021524a7" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_0687b2f3-3c2d-4272-b52e-b64566f91ef5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_541934f8-055b-4be2-a039-af71743bcb6a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_eaa3b26e-a257-4f3f-a490-de32021524a7" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_541934f8-055b-4be2-a039-af71743bcb6a" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis_bd518e38-b511-42b5-a8c3-1c7300fe8eb1" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_541934f8-055b-4be2-a039-af71743bcb6a" xlink:to="loc_us-gaap_HedgingDesignationAxis_bd518e38-b511-42b5-a8c3-1c7300fe8eb1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_bd518e38-b511-42b5-a8c3-1c7300fe8eb1_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_HedgingDesignationAxis_bd518e38-b511-42b5-a8c3-1c7300fe8eb1" xlink:to="loc_us-gaap_HedgingDesignationDomain_bd518e38-b511-42b5-a8c3-1c7300fe8eb1_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_3e2a2655-a807-4ee1-9e2e-98de9753f42a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_HedgingDesignationAxis_bd518e38-b511-42b5-a8c3-1c7300fe8eb1" xlink:to="loc_us-gaap_HedgingDesignationDomain_3e2a2655-a807-4ee1-9e2e-98de9753f42a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DesignatedAsHedgingInstrumentMember_d5f5b715-ce3a-4a98-9c70-acff2945d03a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DesignatedAsHedgingInstrumentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingDesignationDomain_3e2a2655-a807-4ee1-9e2e-98de9753f42a" xlink:to="loc_us-gaap_DesignatedAsHedgingInstrumentMember_d5f5b715-ce3a-4a98-9c70-acff2945d03a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NondesignatedMember_594d7d39-e31d-437e-8343-2fb2449ef06a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NondesignatedMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingDesignationDomain_3e2a2655-a807-4ee1-9e2e-98de9753f42a" xlink:to="loc_us-gaap_NondesignatedMember_594d7d39-e31d-437e-8343-2fb2449ef06a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingActivityByTypeAxis_8b285bd0-e33f-4292-b292-2de5f65e099e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TradingActivityByTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_541934f8-055b-4be2-a039-af71743bcb6a" xlink:to="loc_us-gaap_TradingActivityByTypeAxis_8b285bd0-e33f-4292-b292-2de5f65e099e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingActivityByTypeDomain_8b285bd0-e33f-4292-b292-2de5f65e099e_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TradingActivityByTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_TradingActivityByTypeAxis_8b285bd0-e33f-4292-b292-2de5f65e099e" xlink:to="loc_us-gaap_TradingActivityByTypeDomain_8b285bd0-e33f-4292-b292-2de5f65e099e_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingActivityByTypeDomain_e3a6204f-388f-44bf-aaa2-8cc46d1d4169" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TradingActivityByTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_TradingActivityByTypeAxis_8b285bd0-e33f-4292-b292-2de5f65e099e" xlink:to="loc_us-gaap_TradingActivityByTypeDomain_e3a6204f-388f-44bf-aaa2-8cc46d1d4169" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FixedIncomeInterestRateMember_58d498a9-9cdd-45cb-bd6e-bfd621c0f322" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FixedIncomeInterestRateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TradingActivityByTypeDomain_e3a6204f-388f-44bf-aaa2-8cc46d1d4169" xlink:to="loc_us-gaap_FixedIncomeInterestRateMember_58d498a9-9cdd-45cb-bd6e-bfd621c0f322" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableIncomeInterestRateMember_ba075682-e343-43f6-bd06-2b990a5a2adc" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_VariableIncomeInterestRateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TradingActivityByTypeDomain_e3a6204f-388f-44bf-aaa2-8cc46d1d4169" xlink:to="loc_us-gaap_VariableIncomeInterestRateMember_ba075682-e343-43f6-bd06-2b990a5a2adc" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_ec6e6c6d-9d57-4b5d-bf73-ac3ba75398db" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_541934f8-055b-4be2-a039-af71743bcb6a" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_ec6e6c6d-9d57-4b5d-bf73-ac3ba75398db" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_ec6e6c6d-9d57-4b5d-bf73-ac3ba75398db_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_ec6e6c6d-9d57-4b5d-bf73-ac3ba75398db" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_ec6e6c6d-9d57-4b5d-bf73-ac3ba75398db_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_173cc56d-0f7c-4f32-b15c-d0eab578d575" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_ec6e6c6d-9d57-4b5d-bf73-ac3ba75398db" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_173cc56d-0f7c-4f32-b15c-d0eab578d575" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwapMember_760fd06c-4b89-4c50-9bf5-53e43063fe7f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InterestRateSwapMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_173cc56d-0f7c-4f32-b15c-d0eab578d575" xlink:to="loc_us-gaap_InterestRateSwapMember_760fd06c-4b89-4c50-9bf5-53e43063fe7f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateCapMember_c44a8d98-7a43-416d-bab1-cdd1111e21a6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InterestRateCapMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_173cc56d-0f7c-4f32-b15c-d0eab578d575" xlink:to="loc_us-gaap_InterestRateCapMember_c44a8d98-7a43-416d-bab1-cdd1111e21a6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateLockCommitmentsMember_a0e3da7b-c214-4e69-96a9-683c5ec54346" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InterestRateLockCommitmentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_173cc56d-0f7c-4f32-b15c-d0eab578d575" xlink:to="loc_us-gaap_InterestRateLockCommitmentsMember_a0e3da7b-c214-4e69-96a9-683c5ec54346" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_MandatoryCommitmentsToSellMortgageLoansMember_c8b289da-a3dd-4c9a-8218-272dde3ff09c" xlink:href="ibcp-20221231.xsd#ibcp_MandatoryCommitmentsToSellMortgageLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_173cc56d-0f7c-4f32-b15c-d0eab578d575" xlink:to="loc_ibcp_MandatoryCommitmentsToSellMortgageLoansMember_c8b289da-a3dd-4c9a-8218-272dde3ff09c" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwaptionMember_08178001-6ae2-4dd4-a488-f3ece02d2ea1" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InterestRateSwaptionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_173cc56d-0f7c-4f32-b15c-d0eab578d575" xlink:to="loc_us-gaap_InterestRateSwaptionMember_08178001-6ae2-4dd4-a488-f3ece02d2ea1" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BalanceSheetLocationAxis_7093fe82-2f19-44e9-889f-c9be299c2241" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_BalanceSheetLocationAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_541934f8-055b-4be2-a039-af71743bcb6a" xlink:to="loc_us-gaap_BalanceSheetLocationAxis_7093fe82-2f19-44e9-889f-c9be299c2241" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BalanceSheetLocationDomain_7093fe82-2f19-44e9-889f-c9be299c2241_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_BalanceSheetLocationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_BalanceSheetLocationAxis_7093fe82-2f19-44e9-889f-c9be299c2241" xlink:to="loc_us-gaap_BalanceSheetLocationDomain_7093fe82-2f19-44e9-889f-c9be299c2241_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BalanceSheetLocationDomain_8b325507-5b67-416e-a076-9f68d38d59c1" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_BalanceSheetLocationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_BalanceSheetLocationAxis_7093fe82-2f19-44e9-889f-c9be299c2241" xlink:to="loc_us-gaap_BalanceSheetLocationDomain_8b325507-5b67-416e-a076-9f68d38d59c1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssetsMember_4732fc30-c6b7-4492-a06f-31facc4f69db" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherAssetsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BalanceSheetLocationDomain_8b325507-5b67-416e-a076-9f68d38d59c1" xlink:to="loc_us-gaap_OtherAssetsMember_4732fc30-c6b7-4492-a06f-31facc4f69db" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilitiesMember_5770e3eb-64d2-4e3e-b4b6-a6a70574d77c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherLiabilitiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BalanceSheetLocationDomain_8b325507-5b67-416e-a076-9f68d38d59c1" xlink:to="loc_us-gaap_OtherLiabilitiesMember_5770e3eb-64d2-4e3e-b4b6-a6a70574d77c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_d9e04aa7-bfc7-4718-8588-05f249ed4f22" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_541934f8-055b-4be2-a039-af71743bcb6a" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_d9e04aa7-bfc7-4718-8588-05f249ed4f22" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_d9e04aa7-bfc7-4718-8588-05f249ed4f22_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_d9e04aa7-bfc7-4718-8588-05f249ed4f22" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_d9e04aa7-bfc7-4718-8588-05f249ed4f22_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_37dc916d-86f2-42f2-99d1-679a72adc934" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_d9e04aa7-bfc7-4718-8588-05f249ed4f22" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_37dc916d-86f2-42f2-99d1-679a72adc934" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_37661b03-e400-4b87-92da-e73c5daec7f8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_37dc916d-86f2-42f2-99d1-679a72adc934" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_37661b03-e400-4b87-92da-e73c5daec7f8" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/DerivativeFinancialInstrumentsGainLossDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#DerivativeFinancialInstrumentsGainLossDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/DerivativeFinancialInstrumentsGainLossDetails" xlink:type="extended" id="iec833904ec3348deb449171eb998092b_DerivativeFinancialInstrumentsGainLossDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_cb54dec5-2667-4ed6-b0a6-b28a86da2393" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativeInstrumentsGainLossLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_EffectOfDerivativeFinancialInstrumentsOnConsolidatedFinancialStatementsOfOperationsAbstract_0ed7a992-93d3-4dec-911d-0b9883b2358c" xlink:href="ibcp-20221231.xsd#ibcp_EffectOfDerivativeFinancialInstrumentsOnConsolidatedFinancialStatementsOfOperationsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_cb54dec5-2667-4ed6-b0a6-b28a86da2393" xlink:to="loc_ibcp_EffectOfDerivativeFinancialInstrumentsOnConsolidatedFinancialStatementsOfOperationsAbstract_0ed7a992-93d3-4dec-911d-0b9883b2358c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax_afdd5baf-016b-4d62-a996-a3fc9dcd1989" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_EffectOfDerivativeFinancialInstrumentsOnConsolidatedFinancialStatementsOfOperationsAbstract_0ed7a992-93d3-4dec-911d-0b9883b2358c" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAndTax_afdd5baf-016b-4d62-a996-a3fc9dcd1989" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionNet_cb544486-d959-406e-82ee-dba33388e0b9" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_EffectOfDerivativeFinancialInstrumentsOnConsolidatedFinancialStatementsOfOperationsAbstract_0ed7a992-93d3-4dec-911d-0b9883b2358c" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossReclassifiedFromAccumulatedOCIIntoIncomeEffectivePortionNet_cb544486-d959-406e-82ee-dba33388e0b9" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeGainLossOnDerivativeNet_9c732e40-afa7-4fa3-9fe1-cf49afb3314b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativeGainLossOnDerivativeNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_EffectOfDerivativeFinancialInstrumentsOnConsolidatedFinancialStatementsOfOperationsAbstract_0ed7a992-93d3-4dec-911d-0b9883b2358c" xlink:to="loc_us-gaap_DerivativeGainLossOnDerivativeNet_9c732e40-afa7-4fa3-9fe1-cf49afb3314b" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_573ca5e0-25e0-42f3-82c5-7b7e30bffec6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossLineItems_cb54dec5-2667-4ed6-b0a6-b28a86da2393" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_573ca5e0-25e0-42f3-82c5-7b7e30bffec6" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis_d681ce34-fece-4019-b1d4-e13296a99d08" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_573ca5e0-25e0-42f3-82c5-7b7e30bffec6" xlink:to="loc_us-gaap_HedgingDesignationAxis_d681ce34-fece-4019-b1d4-e13296a99d08" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_d681ce34-fece-4019-b1d4-e13296a99d08_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_HedgingDesignationAxis_d681ce34-fece-4019-b1d4-e13296a99d08" xlink:to="loc_us-gaap_HedgingDesignationDomain_d681ce34-fece-4019-b1d4-e13296a99d08_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_65280293-fe93-490d-8f01-a7556c3d5dcf" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_HedgingDesignationAxis_d681ce34-fece-4019-b1d4-e13296a99d08" xlink:to="loc_us-gaap_HedgingDesignationDomain_65280293-fe93-490d-8f01-a7556c3d5dcf" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NondesignatedMember_758e90ec-cae6-4e0d-9714-0a370a0823ec" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NondesignatedMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingDesignationDomain_65280293-fe93-490d-8f01-a7556c3d5dcf" xlink:to="loc_us-gaap_NondesignatedMember_758e90ec-cae6-4e0d-9714-0a370a0823ec" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_e5e003f7-a630-4827-b480-e817e14a8686" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_573ca5e0-25e0-42f3-82c5-7b7e30bffec6" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_e5e003f7-a630-4827-b480-e817e14a8686" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingRelationshipDomain_e5e003f7-a630-4827-b480-e817e14a8686_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HedgingRelationshipDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_e5e003f7-a630-4827-b480-e817e14a8686" xlink:to="loc_us-gaap_HedgingRelationshipDomain_e5e003f7-a630-4827-b480-e817e14a8686_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingRelationshipDomain_5d9e55ac-9300-4ade-92f7-9ad39b302029" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_HedgingRelationshipDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_e5e003f7-a630-4827-b480-e817e14a8686" xlink:to="loc_us-gaap_HedgingRelationshipDomain_5d9e55ac-9300-4ade-92f7-9ad39b302029" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueHedgingMember_4b9d6de9-b0a3-422d-8ffc-c9c0ccd1c743" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueHedgingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingRelationshipDomain_5d9e55ac-9300-4ade-92f7-9ad39b302029" xlink:to="loc_us-gaap_FairValueHedgingMember_4b9d6de9-b0a3-422d-8ffc-c9c0ccd1c743" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashFlowHedgingMember_aa082c89-37ca-4e72-937e-3580c16fe3e1" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CashFlowHedgingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingRelationshipDomain_5d9e55ac-9300-4ade-92f7-9ad39b302029" xlink:to="loc_us-gaap_CashFlowHedgingMember_aa082c89-37ca-4e72-937e-3580c16fe3e1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingActivityByTypeAxis_4c52f345-5d02-460b-8f56-95cd3abdb0ba" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TradingActivityByTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_573ca5e0-25e0-42f3-82c5-7b7e30bffec6" xlink:to="loc_us-gaap_TradingActivityByTypeAxis_4c52f345-5d02-460b-8f56-95cd3abdb0ba" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingActivityByTypeDomain_4c52f345-5d02-460b-8f56-95cd3abdb0ba_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TradingActivityByTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_TradingActivityByTypeAxis_4c52f345-5d02-460b-8f56-95cd3abdb0ba" xlink:to="loc_us-gaap_TradingActivityByTypeDomain_4c52f345-5d02-460b-8f56-95cd3abdb0ba_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradingActivityByTypeDomain_23ee5c8c-4de7-4f88-a5be-1d3f83be52de" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TradingActivityByTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_TradingActivityByTypeAxis_4c52f345-5d02-460b-8f56-95cd3abdb0ba" xlink:to="loc_us-gaap_TradingActivityByTypeDomain_23ee5c8c-4de7-4f88-a5be-1d3f83be52de" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FixedIncomeInterestRateMember_191ec580-4a5a-4e4d-ade3-8f21ff89fc9c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FixedIncomeInterestRateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TradingActivityByTypeDomain_23ee5c8c-4de7-4f88-a5be-1d3f83be52de" xlink:to="loc_us-gaap_FixedIncomeInterestRateMember_191ec580-4a5a-4e4d-ade3-8f21ff89fc9c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableIncomeInterestRateMember_b74ee368-29dd-4626-a5f0-8d6b1da993fe" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_VariableIncomeInterestRateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TradingActivityByTypeDomain_23ee5c8c-4de7-4f88-a5be-1d3f83be52de" xlink:to="loc_us-gaap_VariableIncomeInterestRateMember_b74ee368-29dd-4626-a5f0-8d6b1da993fe" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_cc297f1b-2c55-4beb-ab37-fbecc0199ac0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_573ca5e0-25e0-42f3-82c5-7b7e30bffec6" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_cc297f1b-2c55-4beb-ab37-fbecc0199ac0" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_cc297f1b-2c55-4beb-ab37-fbecc0199ac0_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_cc297f1b-2c55-4beb-ab37-fbecc0199ac0" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_cc297f1b-2c55-4beb-ab37-fbecc0199ac0_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_51101c9d-2dc8-4006-913a-84e8a7912489" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_cc297f1b-2c55-4beb-ab37-fbecc0199ac0" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_51101c9d-2dc8-4006-913a-84e8a7912489" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwapMember_18788216-0d5d-438f-a416-f947d704c370" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InterestRateSwapMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_51101c9d-2dc8-4006-913a-84e8a7912489" xlink:to="loc_us-gaap_InterestRateSwapMember_18788216-0d5d-438f-a416-f947d704c370" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InterestRateSwapNoncommercialMember_d8b32457-25f2-401c-a6cd-a6511355bd0e" xlink:href="ibcp-20221231.xsd#ibcp_InterestRateSwapNoncommercialMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_51101c9d-2dc8-4006-913a-84e8a7912489" xlink:to="loc_ibcp_InterestRateSwapNoncommercialMember_d8b32457-25f2-401c-a6cd-a6511355bd0e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateLockCommitmentsMember_1429322a-469b-47f4-ae2f-f730a912d63e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InterestRateLockCommitmentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_51101c9d-2dc8-4006-913a-84e8a7912489" xlink:to="loc_us-gaap_InterestRateLockCommitmentsMember_1429322a-469b-47f4-ae2f-f730a912d63e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_MandatoryCommitmentsToSellMortgageLoansMember_fffe7a32-f321-4248-9b40-81e27aff3a9d" xlink:href="ibcp-20221231.xsd#ibcp_MandatoryCommitmentsToSellMortgageLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_51101c9d-2dc8-4006-913a-84e8a7912489" xlink:to="loc_ibcp_MandatoryCommitmentsToSellMortgageLoansMember_fffe7a32-f321-4248-9b40-81e27aff3a9d" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwaptionMember_fbf494d6-d4a4-4655-9ff2-fcf3ea7ac228" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InterestRateSwaptionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_51101c9d-2dc8-4006-913a-84e8a7912489" xlink:to="loc_us-gaap_InterestRateSwaptionMember_fbf494d6-d4a4-4655-9ff2-fcf3ea7ac228" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateCapMember_4f43f043-6ce5-40cc-ae70-a595e31c2ed2" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InterestRateCapMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_51101c9d-2dc8-4006-913a-84e8a7912489" xlink:to="loc_us-gaap_InterestRateCapMember_4f43f043-6ce5-40cc-ae70-a595e31c2ed2" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_PurchasedOptionsMember_d753fad3-f88f-41b2-80f7-f01e2f0fd958" xlink:href="ibcp-20221231.xsd#ibcp_PurchasedOptionsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_51101c9d-2dc8-4006-913a-84e8a7912489" xlink:to="loc_ibcp_PurchasedOptionsMember_d753fad3-f88f-41b2-80f7-f01e2f0fd958" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_WrittenOptionsMember_23d644ce-1e9b-40b9-b42f-dce5e5b75316" xlink:href="ibcp-20221231.xsd#ibcp_WrittenOptionsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_51101c9d-2dc8-4006-913a-84e8a7912489" xlink:to="loc_ibcp_WrittenOptionsMember_23d644ce-1e9b-40b9-b42f-dce5e5b75316" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_5ea453bd-1058-4ae3-a6ec-652b09fa29fb" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_573ca5e0-25e0-42f3-82c5-7b7e30bffec6" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_5ea453bd-1058-4ae3-a6ec-652b09fa29fb" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_5ea453bd-1058-4ae3-a6ec-652b09fa29fb_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_5ea453bd-1058-4ae3-a6ec-652b09fa29fb" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_5ea453bd-1058-4ae3-a6ec-652b09fa29fb_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_04386cba-38c1-4e83-8104-fe01d5940296" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_5ea453bd-1058-4ae3-a6ec-652b09fa29fb" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_04386cba-38c1-4e83-8104-fe01d5940296" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_e4db3068-f36f-4d56-a9a4-dda1b22c2ad4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_04386cba-38c1-4e83-8104-fe01d5940296" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_e4db3068-f36f-4d56-a9a4-dda1b22c2ad4" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentPortfolioSegmentMember_6abde6a2-fdac-410c-b9bd-39b2271f95c4" xlink:href="ibcp-20221231.xsd#ibcp_InstallmentPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_04386cba-38c1-4e83-8104-fe01d5940296" xlink:to="loc_ibcp_InstallmentPortfolioSegmentMember_6abde6a2-fdac-410c-b9bd-39b2271f95c4" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/RelatedPartyTransactionsDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#RelatedPartyTransactionsDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/RelatedPartyTransactionsDetails" xlink:type="extended" id="i73976e33623c4fcbb60ac7800adfc0a1_RelatedPartyTransactionsDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionLineItems_76d4d597-eb2f-43c6-98da-c3dfd964afea" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_RelatedPartyTransactionLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionDueFromToRelatedPartyAbstract_554707b6-23da-47e4-ab9e-5db0fa78d97d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_RelatedPartyTransactionDueFromToRelatedPartyAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_76d4d597-eb2f-43c6-98da-c3dfd964afea" xlink:to="loc_us-gaap_RelatedPartyTransactionDueFromToRelatedPartyAbstract_554707b6-23da-47e4-ab9e-5db0fa78d97d" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_PercentageOfVotingInterestOwnedByRelatedParty_a8fa28e1-ff70-4363-a844-df41a1f35435" xlink:href="ibcp-20221231.xsd#ibcp_PercentageOfVotingInterestOwnedByRelatedParty"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RelatedPartyTransactionDueFromToRelatedPartyAbstract_554707b6-23da-47e4-ab9e-5db0fa78d97d" xlink:to="loc_ibcp_PercentageOfVotingInterestOwnedByRelatedParty_a8fa28e1-ff70-4363-a844-df41a1f35435" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansAndLeasesReceivableRelatedPartiesRollForward_0f2cd949-037a-4c5e-8ff3-8350f48f0fd0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LoansAndLeasesReceivableRelatedPartiesRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_76d4d597-eb2f-43c6-98da-c3dfd964afea" xlink:to="loc_us-gaap_LoansAndLeasesReceivableRelatedPartiesRollForward_0f2cd949-037a-4c5e-8ff3-8350f48f0fd0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansAndLeasesReceivableRelatedParties_1ccb76b0-979b-45a8-a308-31d3e9c37f04" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LoansAndLeasesReceivableRelatedParties"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LoansAndLeasesReceivableRelatedPartiesRollForward_0f2cd949-037a-4c5e-8ff3-8350f48f0fd0" xlink:to="loc_us-gaap_LoansAndLeasesReceivableRelatedParties_1ccb76b0-979b-45a8-a308-31d3e9c37f04" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansAndLeasesReceivableRelatedPartiesAdditions_9386da29-16ac-47ea-a85e-b1e359d22297" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LoansAndLeasesReceivableRelatedPartiesAdditions"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LoansAndLeasesReceivableRelatedPartiesRollForward_0f2cd949-037a-4c5e-8ff3-8350f48f0fd0" xlink:to="loc_us-gaap_LoansAndLeasesReceivableRelatedPartiesAdditions_9386da29-16ac-47ea-a85e-b1e359d22297" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansAndLeasesReceivableRelatedPartiesProceeds_d26beb62-9510-4063-a47f-b345ae684699" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LoansAndLeasesReceivableRelatedPartiesProceeds"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LoansAndLeasesReceivableRelatedPartiesRollForward_0f2cd949-037a-4c5e-8ff3-8350f48f0fd0" xlink:to="loc_us-gaap_LoansAndLeasesReceivableRelatedPartiesProceeds_d26beb62-9510-4063-a47f-b345ae684699" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansAndLeasesReceivableRelatedParties_1c492e63-2e2d-41fc-8648-6e367e00689f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LoansAndLeasesReceivableRelatedParties"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_3d5577f2-9ff6-4d47-a729-0a56111e1531" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems_76d4d597-eb2f-43c6-98da-c3dfd964afea" xlink:to="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_3d5577f2-9ff6-4d47-a729-0a56111e1531" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_fd0a3a61-9e35-4d03-8a5c-03f6f6ab775c" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_RangeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_3d5577f2-9ff6-4d47-a729-0a56111e1531" xlink:to="loc_srt_RangeAxis_fd0a3a61-9e35-4d03-8a5c-03f6f6ab775c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_fd0a3a61-9e35-4d03-8a5c-03f6f6ab775c_default" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_RangeAxis_fd0a3a61-9e35-4d03-8a5c-03f6f6ab775c" xlink:to="loc_srt_RangeMember_fd0a3a61-9e35-4d03-8a5c-03f6f6ab775c_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_03129386-ba34-4efa-920f-4fae04f78f03" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_RangeAxis_fd0a3a61-9e35-4d03-8a5c-03f6f6ab775c" xlink:to="loc_srt_RangeMember_03129386-ba34-4efa-920f-4fae04f78f03" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_cd6bfa9c-70e1-4cae-8d3a-379755cb20a5" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_MinimumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_03129386-ba34-4efa-920f-4fae04f78f03" xlink:to="loc_srt_MinimumMember_cd6bfa9c-70e1-4cae-8d3a-379755cb20a5" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/ConcentrationsofCreditRiskDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#ConcentrationsofCreditRiskDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/ConcentrationsofCreditRiskDetails" xlink:type="extended" id="i2a51c5c19f254525aa6bf1f48b143bee_ConcentrationsofCreditRiskDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskLineItems_f8464add-acea-4b34-8d92-76de45af286d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ConcentrationRiskLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueConcentrationOfRiskFinancialAssetsBalanceSheetGroupingsAbstract_aec56bd6-3a01-4a61-87db-9986711195eb" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueConcentrationOfRiskFinancialAssetsBalanceSheetGroupingsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConcentrationRiskLineItems_f8464add-acea-4b34-8d92-76de45af286d" xlink:to="loc_us-gaap_FairValueConcentrationOfRiskFinancialAssetsBalanceSheetGroupingsAbstract_aec56bd6-3a01-4a61-87db-9986711195eb" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueConcentrationOfRiskLoansReceivable_7d58698f-80fc-403d-b95e-3cf23bbe631c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueConcentrationOfRiskLoansReceivable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueConcentrationOfRiskFinancialAssetsBalanceSheetGroupingsAbstract_aec56bd6-3a01-4a61-87db-9986711195eb" xlink:to="loc_us-gaap_FairValueConcentrationOfRiskLoansReceivable_7d58698f-80fc-403d-b95e-3cf23bbe631c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskTable_9177f198-885e-4a78-90ed-8b20bd7f81b5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ConcentrationRiskTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ConcentrationRiskLineItems_f8464add-acea-4b34-8d92-76de45af286d" xlink:to="loc_us-gaap_ConcentrationRiskTable_9177f198-885e-4a78-90ed-8b20bd7f81b5" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskByTypeAxis_880eeb35-935c-4a46-9cfb-9bf293d86cbb" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ConcentrationRiskByTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ConcentrationRiskTable_9177f198-885e-4a78-90ed-8b20bd7f81b5" xlink:to="loc_us-gaap_ConcentrationRiskByTypeAxis_880eeb35-935c-4a46-9cfb-9bf293d86cbb" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskTypeDomain_880eeb35-935c-4a46-9cfb-9bf293d86cbb_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ConcentrationRiskTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_ConcentrationRiskByTypeAxis_880eeb35-935c-4a46-9cfb-9bf293d86cbb" xlink:to="loc_us-gaap_ConcentrationRiskTypeDomain_880eeb35-935c-4a46-9cfb-9bf293d86cbb_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskTypeDomain_eae85293-2641-4f01-b354-d25a2f9873fd" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ConcentrationRiskTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_ConcentrationRiskByTypeAxis_880eeb35-935c-4a46-9cfb-9bf293d86cbb" xlink:to="loc_us-gaap_ConcentrationRiskTypeDomain_eae85293-2641-4f01-b354-d25a2f9873fd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ResidentialRealEstateLoanConcentrationRiskMember_67400283-0da0-42f6-81cd-3a52c5036b97" xlink:href="ibcp-20221231.xsd#ibcp_ResidentialRealEstateLoanConcentrationRiskMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConcentrationRiskTypeDomain_eae85293-2641-4f01-b354-d25a2f9873fd" xlink:to="loc_ibcp_ResidentialRealEstateLoanConcentrationRiskMember_67400283-0da0-42f6-81cd-3a52c5036b97" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ConstructionAndLandDevelopmentLoansMember_0a093064-498c-49d7-badf-36881a4f0b6a" xlink:href="ibcp-20221231.xsd#ibcp_ConstructionAndLandDevelopmentLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConcentrationRiskTypeDomain_eae85293-2641-4f01-b354-d25a2f9873fd" xlink:to="loc_ibcp_ConstructionAndLandDevelopmentLoansMember_0a093064-498c-49d7-badf-36881a4f0b6a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_LessorsOfNonresidentialRealEstateMember_3867c924-fe30-4ae5-ba7a-dd45ea83ea9e" xlink:href="ibcp-20221231.xsd#ibcp_LessorsOfNonresidentialRealEstateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConcentrationRiskTypeDomain_eae85293-2641-4f01-b354-d25a2f9873fd" xlink:to="loc_ibcp_LessorsOfNonresidentialRealEstateMember_3867c924-fe30-4ae5-ba7a-dd45ea83ea9e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ConstructionLoanConcentrationRiskMember_bcbb072f-5eff-492c-bf6f-14bb5af49cb0" xlink:href="ibcp-20221231.xsd#ibcp_ConstructionLoanConcentrationRiskMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConcentrationRiskTypeDomain_eae85293-2641-4f01-b354-d25a2f9873fd" xlink:to="loc_ibcp_ConstructionLoanConcentrationRiskMember_bcbb072f-5eff-492c-bf6f-14bb5af49cb0" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_LessorsOfResidentialRealEstateMember_3453d6f7-b1ea-4b6c-be7f-41f208d27741" xlink:href="ibcp-20221231.xsd#ibcp_LessorsOfResidentialRealEstateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConcentrationRiskTypeDomain_eae85293-2641-4f01-b354-d25a2f9873fd" xlink:to="loc_ibcp_LessorsOfResidentialRealEstateMember_3453d6f7-b1ea-4b6c-be7f-41f208d27741" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_HealthCareAndSocialAssistanceMember_17845817-ba2e-4c52-889f-00507713ac41" xlink:href="ibcp-20221231.xsd#ibcp_HealthCareAndSocialAssistanceMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConcentrationRiskTypeDomain_eae85293-2641-4f01-b354-d25a2f9873fd" xlink:to="loc_ibcp_HealthCareAndSocialAssistanceMember_17845817-ba2e-4c52-889f-00507713ac41" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_AccommodationAndFoodServicesMember_9322a7b3-2710-4984-895d-fcdb6b75980c" xlink:href="ibcp-20221231.xsd#ibcp_AccommodationAndFoodServicesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConcentrationRiskTypeDomain_eae85293-2641-4f01-b354-d25a2f9873fd" xlink:to="loc_ibcp_AccommodationAndFoodServicesMember_9322a7b3-2710-4984-895d-fcdb6b75980c" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ManufacturingMember_cf729560-931c-402a-9b20-0aba47b2971f" xlink:href="ibcp-20221231.xsd#ibcp_ManufacturingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ConcentrationRiskTypeDomain_eae85293-2641-4f01-b354-d25a2f9873fd" xlink:to="loc_ibcp_ManufacturingMember_cf729560-931c-402a-9b20-0aba47b2971f" xlink:type="arc" order="7"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/RegulatoryMattersCapitalAmountsandRatiosDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#RegulatoryMattersCapitalAmountsandRatiosDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/RegulatoryMattersCapitalAmountsandRatiosDetails" xlink:type="extended" id="i25527837f70740ec92d1feb1bd6fe9ac_RegulatoryMattersCapitalAmountsandRatiosDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_b699aa9d-1764-4350-a44e-cf30a9a2e8f9" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalAbstract_6d0cdc5b-9441-4dfe-a820-d6141f77d881" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CapitalAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_b699aa9d-1764-4350-a44e-cf30a9a2e8f9" xlink:to="loc_us-gaap_CapitalAbstract_6d0cdc5b-9441-4dfe-a820-d6141f77d881" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Capital_c809c595-f536-4a17-9c7e-c061d547f2dc" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_Capital"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CapitalAbstract_6d0cdc5b-9441-4dfe-a820-d6141f77d881" xlink:to="loc_us-gaap_Capital_c809c595-f536-4a17-9c7e-c061d547f2dc" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalToRiskWeightedAssets_963adfa9-c36b-4c43-8c38-7b02d9e91cbd" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CapitalToRiskWeightedAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CapitalAbstract_6d0cdc5b-9441-4dfe-a820-d6141f77d881" xlink:to="loc_us-gaap_CapitalToRiskWeightedAssets_963adfa9-c36b-4c43-8c38-7b02d9e91cbd" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalRequiredForCapitalAdequacy_03f1063d-3beb-452c-904f-f3b0957c7e71" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CapitalRequiredForCapitalAdequacy"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CapitalAbstract_6d0cdc5b-9441-4dfe-a820-d6141f77d881" xlink:to="loc_us-gaap_CapitalRequiredForCapitalAdequacy_03f1063d-3beb-452c-904f-f3b0957c7e71" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_88d17965-8710-4c88-8b68-e81da8ec8789" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CapitalAbstract_6d0cdc5b-9441-4dfe-a820-d6141f77d881" xlink:to="loc_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_88d17965-8710-4c88-8b68-e81da8ec8789" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalRequiredToBeWellCapitalized_c775a5eb-92b2-48a7-8518-eadd8db8203e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CapitalRequiredToBeWellCapitalized"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CapitalAbstract_6d0cdc5b-9441-4dfe-a820-d6141f77d881" xlink:to="loc_us-gaap_CapitalRequiredToBeWellCapitalized_c775a5eb-92b2-48a7-8518-eadd8db8203e" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_7738b3c7-ae9f-4307-abb1-640f9bb23f12" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CapitalAbstract_6d0cdc5b-9441-4dfe-a820-d6141f77d881" xlink:to="loc_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_7738b3c7-ae9f-4307-abb1-640f9bb23f12" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalAbstract_9538aebd-212a-46a2-8f1c-c8227ff64acc" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TierOneRiskBasedCapitalAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_b699aa9d-1764-4350-a44e-cf30a9a2e8f9" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalAbstract_9538aebd-212a-46a2-8f1c-c8227ff64acc" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapital_3a00d8ca-010c-476c-bfe7-c7f011da8d1b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TierOneRiskBasedCapital"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_9538aebd-212a-46a2-8f1c-c8227ff64acc" xlink:to="loc_us-gaap_TierOneRiskBasedCapital_3a00d8ca-010c-476c-bfe7-c7f011da8d1b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_1b6930d1-52c0-4f7e-8f16-b82ce516a116" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_9538aebd-212a-46a2-8f1c-c8227ff64acc" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_1b6930d1-52c0-4f7e-8f16-b82ce516a116" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_12fcd845-bae6-4cbd-85bc-71829d3c0dda" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_9538aebd-212a-46a2-8f1c-c8227ff64acc" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_12fcd845-bae6-4cbd-85bc-71829d3c0dda" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_62d2c4af-3980-45a6-b4e2-74c20d7bafbd" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_9538aebd-212a-46a2-8f1c-c8227ff64acc" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_62d2c4af-3980-45a6-b4e2-74c20d7bafbd" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_3c523e3a-4409-4ae9-8d24-37eed06898cd" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_9538aebd-212a-46a2-8f1c-c8227ff64acc" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_3c523e3a-4409-4ae9-8d24-37eed06898cd" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_052a42a9-8c7a-4ef6-93c8-e78711c1f3df" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneRiskBasedCapitalAbstract_9538aebd-212a-46a2-8f1c-c8227ff64acc" xlink:to="loc_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_052a42a9-8c7a-4ef6-93c8-e78711c1f3df" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonEquityTierOneCapitalAbstract_47188399-8088-46fd-8402-d8d7ae357811" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommonEquityTierOneCapitalAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_b699aa9d-1764-4350-a44e-cf30a9a2e8f9" xlink:to="loc_us-gaap_CommonEquityTierOneCapitalAbstract_47188399-8088-46fd-8402-d8d7ae357811" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonEquityTierOneCapital_c50dd252-4661-4268-b9a8-4aa0a1aa8de8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommonEquityTierOneCapital"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalAbstract_47188399-8088-46fd-8402-d8d7ae357811" xlink:to="loc_us-gaap_CommonEquityTierOneCapital_c50dd252-4661-4268-b9a8-4aa0a1aa8de8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonEquityTierOneCapitalRatio_1b785af8-39dc-47e8-8f9b-a453685c2ff1" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommonEquityTierOneCapitalRatio"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalAbstract_47188399-8088-46fd-8402-d8d7ae357811" xlink:to="loc_us-gaap_CommonEquityTierOneCapitalRatio_1b785af8-39dc-47e8-8f9b-a453685c2ff1" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy_618f30ae-baac-4773-9df1-feb27a571e8f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalAbstract_47188399-8088-46fd-8402-d8d7ae357811" xlink:to="loc_us-gaap_CommonEquityTierOneCapitalRequiredForCapitalAdequacy_618f30ae-baac-4773-9df1-feb27a571e8f" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum_40b077cc-f089-4a9e-ac4a-9a1fcfc82cb8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalAbstract_47188399-8088-46fd-8402-d8d7ae357811" xlink:to="loc_us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum_40b077cc-f089-4a9e-ac4a-9a1fcfc82cb8" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized_de38e8d3-e9ff-44da-acee-856b6cfdf657" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalAbstract_47188399-8088-46fd-8402-d8d7ae357811" xlink:to="loc_us-gaap_CommonEquityTierOneCapitalRequiredToBeWellCapitalized_de38e8d3-e9ff-44da-acee-856b6cfdf657" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum_ba80d8da-6f6d-446d-8fa1-9bafc95e415f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CommonEquityTierOneCapitalAbstract_47188399-8088-46fd-8402-d8d7ae357811" xlink:to="loc_us-gaap_BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum_ba80d8da-6f6d-446d-8fa1-9bafc95e415f" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalAbstract_0e0fb4a9-ec7d-4026-aa0b-73e802dc9c4b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TierOneLeverageCapitalAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_b699aa9d-1764-4350-a44e-cf30a9a2e8f9" xlink:to="loc_us-gaap_TierOneLeverageCapitalAbstract_0e0fb4a9-ec7d-4026-aa0b-73e802dc9c4b" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapital_eca853d3-c841-446e-a671-a3c3447be8a5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TierOneLeverageCapital"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_0e0fb4a9-ec7d-4026-aa0b-73e802dc9c4b" xlink:to="loc_us-gaap_TierOneLeverageCapital_eca853d3-c841-446e-a671-a3c3447be8a5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalToAverageAssets_274ecc96-ed9a-4f0e-85b0-54f99e41cb69" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TierOneLeverageCapitalToAverageAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_0e0fb4a9-ec7d-4026-aa0b-73e802dc9c4b" xlink:to="loc_us-gaap_TierOneLeverageCapitalToAverageAssets_274ecc96-ed9a-4f0e-85b0-54f99e41cb69" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_0fb760a2-7c02-41a2-a2d9-89b73d81ac7a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_0e0fb4a9-ec7d-4026-aa0b-73e802dc9c4b" xlink:to="loc_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_0fb760a2-7c02-41a2-a2d9-89b73d81ac7a" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_50905309-c78b-455e-b578-c95f09103dd6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_0e0fb4a9-ec7d-4026-aa0b-73e802dc9c4b" xlink:to="loc_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_50905309-c78b-455e-b578-c95f09103dd6" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_c335afc3-3f73-4810-8faa-5ca83f731194" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_0e0fb4a9-ec7d-4026-aa0b-73e802dc9c4b" xlink:to="loc_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_c335afc3-3f73-4810-8faa-5ca83f731194" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_adfb3592-6122-492e-bebc-a9c468f2e4f2" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TierOneLeverageCapitalAbstract_0e0fb4a9-ec7d-4026-aa0b-73e802dc9c4b" xlink:to="loc_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_adfb3592-6122-492e-bebc-a9c468f2e4f2" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum_68aa543b-ca4f-424c-b14a-a6fe7f6911d8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_b699aa9d-1764-4350-a44e-cf30a9a2e8f9" xlink:to="loc_us-gaap_BankingRegulationCapitalConservationBufferCapitalConservedMinimum_68aa543b-ca4f-424c-b14a-a6fe7f6911d8" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_481a2902-ab27-46a2-8a1a-0d336ed4fce7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_b699aa9d-1764-4350-a44e-cf30a9a2e8f9" xlink:to="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_481a2902-ab27-46a2-8a1a-0d336ed4fce7" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_71ac8c2c-4f3c-485e-a051-47aea0f01900" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_481a2902-ab27-46a2-8a1a-0d336ed4fce7" xlink:to="loc_srt_ConsolidatedEntitiesAxis_71ac8c2c-4f3c-485e-a051-47aea0f01900" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_71ac8c2c-4f3c-485e-a051-47aea0f01900_default" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_ConsolidatedEntitiesAxis_71ac8c2c-4f3c-485e-a051-47aea0f01900" xlink:to="loc_srt_ConsolidatedEntitiesDomain_71ac8c2c-4f3c-485e-a051-47aea0f01900_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_f13d75c8-fb18-4726-9b05-2864f2a8d28e" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_ConsolidatedEntitiesAxis_71ac8c2c-4f3c-485e-a051-47aea0f01900" xlink:to="loc_srt_ConsolidatedEntitiesDomain_f13d75c8-fb18-4726-9b05-2864f2a8d28e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsolidatedEntitiesMember_a9355a58-47ef-4d99-a933-093432a07be7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ConsolidatedEntitiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ConsolidatedEntitiesDomain_f13d75c8-fb18-4726-9b05-2864f2a8d28e" xlink:to="loc_us-gaap_ConsolidatedEntitiesMember_a9355a58-47ef-4d99-a933-093432a07be7" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_IndependentBankMember_987df600-e783-4dc6-8fd1-7d32b4008406" xlink:href="ibcp-20221231.xsd#ibcp_IndependentBankMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ConsolidatedEntitiesDomain_f13d75c8-fb18-4726-9b05-2864f2a8d28e" xlink:to="loc_ibcp_IndependentBankMember_987df600-e783-4dc6-8fd1-7d32b4008406" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/RegulatoryMattersComponentsofRegulatoryCapitalDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#RegulatoryMattersComponentsofRegulatoryCapitalDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/RegulatoryMattersComponentsofRegulatoryCapitalDetails" xlink:type="extended" id="i2d5f36773c394680862de3959b49f28f_RegulatoryMattersComponentsofRegulatoryCapitalDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_341de094-41df-4d66-a050-902add9138cb" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ComponentsOfRegulatoryCapitalAbstract_44d457fa-15e7-425f-8b01-42609443880e" xlink:href="ibcp-20221231.xsd#ibcp_ComponentsOfRegulatoryCapitalAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_341de094-41df-4d66-a050-902add9138cb" xlink:to="loc_ibcp_ComponentsOfRegulatoryCapitalAbstract_44d457fa-15e7-425f-8b01-42609443880e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_70acf871-a5c6-4eb3-bb06-d11dbfd3b454" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StockholdersEquity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_ComponentsOfRegulatoryCapitalAbstract_44d457fa-15e7-425f-8b01-42609443880e" xlink:to="loc_us-gaap_StockholdersEquity_70acf871-a5c6-4eb3-bb06-d11dbfd3b454" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_AddDeductAbstract_c4c81192-bd7b-4350-a748-ebcd5f0e9db1" xlink:href="ibcp-20221231.xsd#ibcp_AddDeductAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_ComponentsOfRegulatoryCapitalAbstract_44d457fa-15e7-425f-8b01-42609443880e" xlink:to="loc_ibcp_AddDeductAbstract_c4c81192-bd7b-4350-a748-ebcd5f0e9db1" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_f47c3cc7-b3f0-424e-bfc6-355c3cd74305" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_AddDeductAbstract_c4c81192-bd7b-4350-a748-ebcd5f0e9db1" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_f47c3cc7-b3f0-424e-bfc6-355c3cd74305" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetIncludingGoodwill_3d8569d9-7af9-4361-acf9-23c4a891f76a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IntangibleAssetsNetIncludingGoodwill"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_AddDeductAbstract_c4c81192-bd7b-4350-a748-ebcd5f0e9db1" xlink:to="loc_us-gaap_IntangibleAssetsNetIncludingGoodwill_3d8569d9-7af9-4361-acf9-23c4a891f76a" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CurrentExpectedCreditLoss_40c7f7fb-47a5-4efa-a22c-127d34777c98" xlink:href="ibcp-20221231.xsd#ibcp_CurrentExpectedCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_AddDeductAbstract_c4c81192-bd7b-4350-a748-ebcd5f0e9db1" xlink:to="loc_ibcp_CurrentExpectedCreditLoss_40c7f7fb-47a5-4efa-a22c-127d34777c98" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonEquityTierOneCapital_63bcc65b-c653-495e-b8b8-5e5281152a9c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommonEquityTierOneCapital"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_ComponentsOfRegulatoryCapitalAbstract_44d457fa-15e7-425f-8b01-42609443880e" xlink:to="loc_us-gaap_CommonEquityTierOneCapital_63bcc65b-c653-495e-b8b8-5e5281152a9c" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_QualifyingTrustPreferredSecurities_b206561f-0ad1-488a-ace9-7b3f545a636f" xlink:href="ibcp-20221231.xsd#ibcp_QualifyingTrustPreferredSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_ComponentsOfRegulatoryCapitalAbstract_44d457fa-15e7-425f-8b01-42609443880e" xlink:to="loc_ibcp_QualifyingTrustPreferredSecurities_b206561f-0ad1-488a-ace9-7b3f545a636f" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TierOneLeverageCapital_30a0efde-8ee1-463b-8472-44eac839b03d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TierOneLeverageCapital"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_ComponentsOfRegulatoryCapitalAbstract_44d457fa-15e7-425f-8b01-42609443880e" xlink:to="loc_us-gaap_TierOneLeverageCapital_30a0efde-8ee1-463b-8472-44eac839b03d" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubordinatedDebt_b5ab78a1-d8e9-43c6-b030-066675b022d4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_SubordinatedDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_ComponentsOfRegulatoryCapitalAbstract_44d457fa-15e7-425f-8b01-42609443880e" xlink:to="loc_us-gaap_SubordinatedDebt_b5ab78a1-d8e9-43c6-b030-066675b022d4" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_AllowanceForLoanLossesAndUnfundedLendingCommitmentsLimitedAtSpecificRiskWeightedAssets_f2722d7b-8d96-4540-8ec8-9e9aff941a7f" xlink:href="ibcp-20221231.xsd#ibcp_AllowanceForLoanLossesAndUnfundedLendingCommitmentsLimitedAtSpecificRiskWeightedAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_ComponentsOfRegulatoryCapitalAbstract_44d457fa-15e7-425f-8b01-42609443880e" xlink:to="loc_ibcp_AllowanceForLoanLossesAndUnfundedLendingCommitmentsLimitedAtSpecificRiskWeightedAssets_f2722d7b-8d96-4540-8ec8-9e9aff941a7f" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Capital_c6a1ee6b-7004-4d86-b726-2385622042ad" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_Capital"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_ComponentsOfRegulatoryCapitalAbstract_44d457fa-15e7-425f-8b01-42609443880e" xlink:to="loc_us-gaap_Capital_c6a1ee6b-7004-4d86-b726-2385622042ad" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CurrentExpectedCreditLossTransitionMethodForRegulatoryPurpose_513e218c-c25e-4844-a486-aaf8a03025f6" xlink:href="ibcp-20221231.xsd#ibcp_CurrentExpectedCreditLossTransitionMethodForRegulatoryPurpose"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_341de094-41df-4d66-a050-902add9138cb" xlink:to="loc_ibcp_CurrentExpectedCreditLossTransitionMethodForRegulatoryPurpose_513e218c-c25e-4844-a486-aaf8a03025f6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_f1bb43e5-0751-472b-afde-c08f851f13da" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems_341de094-41df-4d66-a050-902add9138cb" xlink:to="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_f1bb43e5-0751-472b-afde-c08f851f13da" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_f988ca19-f430-4245-a141-172362d6eb82" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTable_f1bb43e5-0751-472b-afde-c08f851f13da" xlink:to="loc_srt_ConsolidatedEntitiesAxis_f988ca19-f430-4245-a141-172362d6eb82" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_f988ca19-f430-4245-a141-172362d6eb82_default" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_ConsolidatedEntitiesAxis_f988ca19-f430-4245-a141-172362d6eb82" xlink:to="loc_srt_ConsolidatedEntitiesDomain_f988ca19-f430-4245-a141-172362d6eb82_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_1d4e8095-9c4c-45e6-9bed-3f7ecd2c53ee" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_ConsolidatedEntitiesAxis_f988ca19-f430-4245-a141-172362d6eb82" xlink:to="loc_srt_ConsolidatedEntitiesDomain_1d4e8095-9c4c-45e6-9bed-3f7ecd2c53ee" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsolidatedEntitiesMember_2f0d5b34-fd6a-4f7d-8ac8-3fc584669c97" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ConsolidatedEntitiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ConsolidatedEntitiesDomain_1d4e8095-9c4c-45e6-9bed-3f7ecd2c53ee" xlink:to="loc_us-gaap_ConsolidatedEntitiesMember_2f0d5b34-fd6a-4f7d-8ac8-3fc584669c97" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_IndependentBankMember_2352dc2a-97bc-4a14-bdde-b3204f0eb4ed" xlink:href="ibcp-20221231.xsd#ibcp_IndependentBankMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ConsolidatedEntitiesDomain_1d4e8095-9c4c-45e6-9bed-3f7ecd2c53ee" xlink:to="loc_ibcp_IndependentBankMember_2352dc2a-97bc-4a14-bdde-b3204f0eb4ed" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/FairValueDisclosuresFairValueMeasurementsDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#FairValueDisclosuresFairValueMeasurementsDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/FairValueDisclosuresFairValueMeasurementsDetails" xlink:type="extended" id="i86121aeb2c5f427f9c7999e1fa753648_FairValueDisclosuresFairValueMeasurementsDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_12873cf2-7b4e-4d53-b924-6b6b956c6dd0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract_bb21b584-b582-4537-b4ba-ec14ff7ec9a6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_12873cf2-7b4e-4d53-b924-6b6b956c6dd0" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract_bb21b584-b582-4537-b4ba-ec14ff7ec9a6" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosureAbstract_ef1d9be4-62fa-4235-adf4-ffda70393db0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AssetsFairValueDisclosureAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract_bb21b584-b582-4537-b4ba-ec14ff7ec9a6" xlink:to="loc_us-gaap_AssetsFairValueDisclosureAbstract_ef1d9be4-62fa-4235-adf4-ffda70393db0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_66370b5d-f1fa-4e8a-aa32-d8325ac8bf31" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_ef1d9be4-62fa-4235-adf4-ffda70393db0" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_66370b5d-f1fa-4e8a-aa32-d8325ac8bf31" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_a5bc2135-c387-4d6a-beda-adb45316d0fc" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_ef1d9be4-62fa-4235-adf4-ffda70393db0" xlink:to="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_a5bc2135-c387-4d6a-beda-adb45316d0fc" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CapitalizedMortgageLoanServicingRightsFairValueDisclosure_a3f349e8-06e1-4574-a74c-5fb9c121c208" xlink:href="ibcp-20221231.xsd#ibcp_CapitalizedMortgageLoanServicingRightsFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_ef1d9be4-62fa-4235-adf4-ffda70393db0" xlink:to="loc_ibcp_CapitalizedMortgageLoanServicingRightsFairValueDisclosure_a3f349e8-06e1-4574-a74c-5fb9c121c208" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration_917a4a79-f4ec-4a1b-9d2e-f95e9062da15" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_ef1d9be4-62fa-4235-adf4-ffda70393db0" xlink:to="loc_us-gaap_DerivativeAssetStatementOfFinancialPositionExtensibleEnumeration_917a4a79-f4ec-4a1b-9d2e-f95e9062da15" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_e6e98264-48b8-4855-914c-b904cc33e648" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativeAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_ef1d9be4-62fa-4235-adf4-ffda70393db0" xlink:to="loc_us-gaap_DerivativeAssets_e6e98264-48b8-4855-914c-b904cc33e648" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_3b43e539-d073-4f13-903b-76b9df9a7872" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract_bb21b584-b582-4537-b4ba-ec14ff7ec9a6" xlink:to="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_3b43e539-d073-4f13-903b-76b9df9a7872" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration_2a0c8152-237e-4a2e-b41d-b5e027af4d7b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_3b43e539-d073-4f13-903b-76b9df9a7872" xlink:to="loc_us-gaap_DerivativeLiabilityStatementOfFinancialPositionExtensibleEnumeration_2a0c8152-237e-4a2e-b41d-b5e027af4d7b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_b1be0d5b-c5b3-4923-8bb9-025d537ef94c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativeLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_3b43e539-d073-4f13-903b-76b9df9a7872" xlink:to="loc_us-gaap_DerivativeLiabilities_b1be0d5b-c5b3-4923-8bb9-025d537ef94c" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsAbstract_4eb0a12f-5088-4212-8c74-d4715ff2f685" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AssetsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisAbstract_bb21b584-b582-4537-b4ba-ec14ff7ec9a6" xlink:to="loc_us-gaap_AssetsAbstract_4eb0a12f-5088-4212-8c74-d4715ff2f685" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CollateralDependentLoansAbstract_17849f7b-e7df-4520-ba0b-aa1bb88735d0" xlink:href="ibcp-20221231.xsd#ibcp_CollateralDependentLoansAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_4eb0a12f-5088-4212-8c74-d4715ff2f685" xlink:to="loc_ibcp_CollateralDependentLoansAbstract_17849f7b-e7df-4520-ba0b-aa1bb88735d0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableHeldForSaleAmount_098452d5-bf42-4eed-bb88-12034a4e1e5b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LoansReceivableHeldForSaleAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_CollateralDependentLoansAbstract_17849f7b-e7df-4520-ba0b-aa1bb88735d0" xlink:to="loc_us-gaap_LoansReceivableHeldForSaleAmount_098452d5-bf42-4eed-bb88-12034a4e1e5b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure_7f294c18-4468-4ee7-8bc4-f7bf27cd39c7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_CollateralDependentLoansAbstract_17849f7b-e7df-4520-ba0b-aa1bb88735d0" xlink:to="loc_us-gaap_LoansReceivableFairValueDisclosure_7f294c18-4468-4ee7-8bc4-f7bf27cd39c7" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_b5c6589a-318a-4b97-b4d5-ff6a0e03f601" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_12873cf2-7b4e-4d53-b924-6b6b956c6dd0" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_b5c6589a-318a-4b97-b4d5-ff6a0e03f601" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis_2b7236ac-7caf-48a0-92c9-a89444108cff" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueByMeasurementFrequencyAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_b5c6589a-318a-4b97-b4d5-ff6a0e03f601" xlink:to="loc_us-gaap_FairValueByMeasurementFrequencyAxis_2b7236ac-7caf-48a0-92c9-a89444108cff" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_2b7236ac-7caf-48a0-92c9-a89444108cff_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_2b7236ac-7caf-48a0-92c9-a89444108cff" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_2b7236ac-7caf-48a0-92c9-a89444108cff_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_98a33463-2e64-4336-9dd9-792dc098a3c4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_2b7236ac-7caf-48a0-92c9-a89444108cff" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_98a33463-2e64-4336-9dd9-792dc098a3c4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsRecurringMember_566ba596-ff7b-4000-ad7c-49d3eeb4f0c4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueMeasurementsRecurringMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_98a33463-2e64-4336-9dd9-792dc098a3c4" xlink:to="loc_us-gaap_FairValueMeasurementsRecurringMember_566ba596-ff7b-4000-ad7c-49d3eeb4f0c4" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsNonrecurringMember_2893b7f5-aea0-4417-ad19-e2add1cb6f5e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueMeasurementsNonrecurringMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_98a33463-2e64-4336-9dd9-792dc098a3c4" xlink:to="loc_us-gaap_FairValueMeasurementsNonrecurringMember_2893b7f5-aea0-4417-ad19-e2add1cb6f5e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_081a1b4c-f7ae-4bb3-8332-ca7118151fab" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_b5c6589a-318a-4b97-b4d5-ff6a0e03f601" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_081a1b4c-f7ae-4bb3-8332-ca7118151fab" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_081a1b4c-f7ae-4bb3-8332-ca7118151fab_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_081a1b4c-f7ae-4bb3-8332-ca7118151fab" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_081a1b4c-f7ae-4bb3-8332-ca7118151fab_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_d06f0151-6497-4cde-8de6-8cfe0a69e6d5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_081a1b4c-f7ae-4bb3-8332-ca7118151fab" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_d06f0151-6497-4cde-8de6-8cfe0a69e6d5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_1ed1bccb-b42c-4aa1-a1ab-2e2e2e1c25d9" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_d06f0151-6497-4cde-8de6-8cfe0a69e6d5" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_1ed1bccb-b42c-4aa1-a1ab-2e2e2e1c25d9" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_dc22d18e-07b9-4579-bad8-54f770333cc3" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_d06f0151-6497-4cde-8de6-8cfe0a69e6d5" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_dc22d18e-07b9-4579-bad8-54f770333cc3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_c82004c7-d149-49f2-8f6f-14cbb7bf4a3e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_d06f0151-6497-4cde-8de6-8cfe0a69e6d5" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_c82004c7-d149-49f2-8f6f-14cbb7bf4a3e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_1ea92d7c-b240-48bc-8825-80e41f89cf85" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_b5c6589a-318a-4b97-b4d5-ff6a0e03f601" xlink:to="loc_us-gaap_FinancialInstrumentAxis_1ea92d7c-b240-48bc-8825-80e41f89cf85" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_1ea92d7c-b240-48bc-8825-80e41f89cf85_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_1ea92d7c-b240-48bc-8825-80e41f89cf85" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_1ea92d7c-b240-48bc-8825-80e41f89cf85_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_13866088-c26d-478d-9e29-b64a48b809b1" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_1ea92d7c-b240-48bc-8825-80e41f89cf85" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_13866088-c26d-478d-9e29-b64a48b809b1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember_e3d7bd92-53a2-4788-85c2-42bc129b086c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_13866088-c26d-478d-9e29-b64a48b809b1" xlink:to="loc_us-gaap_USGovernmentCorporationsAndAgenciesSecuritiesMember_e3d7bd92-53a2-4788-85c2-42bc129b086c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_f879f1a6-31e2-4e7c-9005-5178bdcb0b12" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_13866088-c26d-478d-9e29-b64a48b809b1" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByUSGovernmentSponsoredEnterprisesMember_f879f1a6-31e2-4e7c-9005-5178bdcb0b12" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_2d966882-5796-4a8b-ba24-094d90cd5ab3" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommercialMortgageBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_13866088-c26d-478d-9e29-b64a48b809b1" xlink:to="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_2d966882-5796-4a8b-ba24-094d90cd5ab3" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_c1a03e7b-5894-4e36-a5a3-23e30ea6e0a7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_13866088-c26d-478d-9e29-b64a48b809b1" xlink:to="loc_us-gaap_MortgageBackedSecuritiesIssuedByPrivateEnterprisesMember_c1a03e7b-5894-4e36-a5a3-23e30ea6e0a7" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_105a8034-b290-4602-89bc-9485b571841d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AssetBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_13866088-c26d-478d-9e29-b64a48b809b1" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_105a8034-b290-4602-89bc-9485b571841d" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_0c3724e3-ea68-46ad-8c10-6dc7a38bd3c4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_13866088-c26d-478d-9e29-b64a48b809b1" xlink:to="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_0c3724e3-ea68-46ad-8c10-6dc7a38bd3c4" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_a6699ee1-11f1-4052-b955-7f1c1980b3b9" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CorporateDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_13866088-c26d-478d-9e29-b64a48b809b1" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_a6699ee1-11f1-4052-b955-7f1c1980b3b9" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember_0ddeef4d-6866-493b-9a6a-76cb575b4c0e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_13866088-c26d-478d-9e29-b64a48b809b1" xlink:to="loc_us-gaap_TrustPreferredSecuritiesSubjectToMandatoryRedemptionMember_0ddeef4d-6866-493b-9a6a-76cb575b4c0e" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ForeignGovernmentDebtSecuritiesMember_5ecdd50a-f44c-431b-9f23-13b992187ed9" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ForeignGovernmentDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_13866088-c26d-478d-9e29-b64a48b809b1" xlink:to="loc_us-gaap_ForeignGovernmentDebtSecuritiesMember_5ecdd50a-f44c-431b-9f23-13b992187ed9" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MortgageLoansOnRealEstateLoanTypeAxis_14687c57-ed32-4d87-943f-73dc1d4daaec" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_MortgageLoansOnRealEstateLoanTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_b5c6589a-318a-4b97-b4d5-ff6a0e03f601" xlink:to="loc_srt_MortgageLoansOnRealEstateLoanTypeAxis_14687c57-ed32-4d87-943f-73dc1d4daaec" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MortgageLoansOnRealEstateLoanTypeDomain_14687c57-ed32-4d87-943f-73dc1d4daaec_default" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_MortgageLoansOnRealEstateLoanTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_MortgageLoansOnRealEstateLoanTypeAxis_14687c57-ed32-4d87-943f-73dc1d4daaec" xlink:to="loc_srt_MortgageLoansOnRealEstateLoanTypeDomain_14687c57-ed32-4d87-943f-73dc1d4daaec_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MortgageLoansOnRealEstateLoanTypeDomain_5db009f9-49d8-4c2e-a02e-d4072029fff9" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_MortgageLoansOnRealEstateLoanTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_MortgageLoansOnRealEstateLoanTypeAxis_14687c57-ed32-4d87-943f-73dc1d4daaec" xlink:to="loc_srt_MortgageLoansOnRealEstateLoanTypeDomain_5db009f9-49d8-4c2e-a02e-d4072029fff9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CollateralDependentLoansMember_bf52159b-fec2-4565-bbc1-144f3969560b" xlink:href="ibcp-20221231.xsd#ibcp_CollateralDependentLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_MortgageLoansOnRealEstateLoanTypeDomain_5db009f9-49d8-4c2e-a02e-d4072029fff9" xlink:to="loc_ibcp_CollateralDependentLoansMember_bf52159b-fec2-4565-bbc1-144f3969560b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_3692a775-499d-4fba-bf13-7f7a6ff7baf6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_b5c6589a-318a-4b97-b4d5-ff6a0e03f601" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_3692a775-499d-4fba-bf13-7f7a6ff7baf6" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_3692a775-499d-4fba-bf13-7f7a6ff7baf6_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_3692a775-499d-4fba-bf13-7f7a6ff7baf6" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_3692a775-499d-4fba-bf13-7f7a6ff7baf6_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_569f0c44-5bc7-4099-b9eb-9b7f645ea1ac" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_3692a775-499d-4fba-bf13-7f7a6ff7baf6" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_569f0c44-5bc7-4099-b9eb-9b7f645ea1ac" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_e486c77f-a34e-40e4-8a95-110ededf8172" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_569f0c44-5bc7-4099-b9eb-9b7f645ea1ac" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_e486c77f-a34e-40e4-8a95-110ededf8172" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_369e1e11-67f0-458a-b8b3-5f703ff6a5c3" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_569f0c44-5bc7-4099-b9eb-9b7f645ea1ac" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_369e1e11-67f0-458a-b8b3-5f703ff6a5c3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentPortfolioSegmentMember_6fcac10e-d880-4bb2-ac0b-5f0a74c9a1bb" xlink:href="ibcp-20221231.xsd#ibcp_InstallmentPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_569f0c44-5bc7-4099-b9eb-9b7f645ea1ac" xlink:to="loc_ibcp_InstallmentPortfolioSegmentMember_6fcac10e-d880-4bb2-ac0b-5f0a74c9a1bb" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_f0b6f5f9-ed0a-4f7c-bc6a-fecd32b38e5c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_b5c6589a-318a-4b97-b4d5-ff6a0e03f601" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_f0b6f5f9-ed0a-4f7c-bc6a-fecd32b38e5c" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_f0b6f5f9-ed0a-4f7c-bc6a-fecd32b38e5c_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_f0b6f5f9-ed0a-4f7c-bc6a-fecd32b38e5c" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_f0b6f5f9-ed0a-4f7c-bc6a-fecd32b38e5c_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_fce91347-ff70-4263-acde-0b0d2b1449c6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_f0b6f5f9-ed0a-4f7c-bc6a-fecd32b38e5c" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_fce91347-ff70-4263-acde-0b0d2b1449c6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CommercialAndIndustrialMember_e723b920-2e7e-455a-94fe-92a15e31bb57" xlink:href="ibcp-20221231.xsd#ibcp_CommercialAndIndustrialMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_fce91347-ff70-4263-acde-0b0d2b1449c6" xlink:to="loc_ibcp_CommercialAndIndustrialMember_e723b920-2e7e-455a-94fe-92a15e31bb57" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CommercialRealEstateLoanMember_cc8bb0af-c3cd-4715-a227-1e03d8fbe47b" xlink:href="ibcp-20221231.xsd#ibcp_CommercialRealEstateLoanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_fce91347-ff70-4263-acde-0b0d2b1449c6" xlink:to="loc_ibcp_CommercialRealEstateLoanMember_cc8bb0af-c3cd-4715-a227-1e03d8fbe47b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14OwnerOccupiedNonJumboMember_31de8fb5-a899-4b45-9838-a51295a75cf6" xlink:href="ibcp-20221231.xsd#ibcp_Family14OwnerOccupiedNonJumboMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_fce91347-ff70-4263-acde-0b0d2b1449c6" xlink:to="loc_ibcp_Family14OwnerOccupiedNonJumboMember_31de8fb5-a899-4b45-9838-a51295a75cf6" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14NonOwnerOccupiedMember_fe4fa735-eb20-47ae-8517-f3687279011d" xlink:href="ibcp-20221231.xsd#ibcp_Family14NonOwnerOccupiedMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_fce91347-ff70-4263-acde-0b0d2b1449c6" xlink:to="loc_ibcp_Family14NonOwnerOccupiedMember_fe4fa735-eb20-47ae-8517-f3687279011d" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14SecondLienMember_ed437783-3abe-40b5-89b4-8d7b24bdec31" xlink:href="ibcp-20221231.xsd#ibcp_Family14SecondLienMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_fce91347-ff70-4263-acde-0b0d2b1449c6" xlink:to="loc_ibcp_Family14SecondLienMember_ed437783-3abe-40b5-89b4-8d7b24bdec31" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ResortLendingMember_986f5c4b-4aa3-49c4-bf54-aca8b6c5b7e8" xlink:href="ibcp-20221231.xsd#ibcp_ResortLendingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_fce91347-ff70-4263-acde-0b0d2b1449c6" xlink:to="loc_ibcp_ResortLendingMember_986f5c4b-4aa3-49c4-bf54-aca8b6c5b7e8" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_BoatLendingMember_623385ad-c0f1-4243-bab7-0a95851a8f68" xlink:href="ibcp-20221231.xsd#ibcp_BoatLendingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_fce91347-ff70-4263-acde-0b0d2b1449c6" xlink:to="loc_ibcp_BoatLendingMember_623385ad-c0f1-4243-bab7-0a95851a8f68" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_RecreationalVehicleLendingMember_45756722-1eb9-4275-8644-5b019137f3a8" xlink:href="ibcp-20221231.xsd#ibcp_RecreationalVehicleLendingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_fce91347-ff70-4263-acde-0b0d2b1449c6" xlink:to="loc_ibcp_RecreationalVehicleLendingMember_45756722-1eb9-4275-8644-5b019137f3a8" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InstallmentOtherMember_9a7256f0-fe7d-4bfc-a077-01e4b4be8171" xlink:href="ibcp-20221231.xsd#ibcp_InstallmentOtherMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_fce91347-ff70-4263-acde-0b0d2b1449c6" xlink:to="loc_ibcp_InstallmentOtherMember_9a7256f0-fe7d-4bfc-a077-01e4b4be8171" xlink:type="arc" order="8"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/FairValueDisclosuresFairValueOptionDisclosuresDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#FairValueDisclosuresFairValueOptionDisclosuresDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/FairValueDisclosuresFairValueOptionDisclosuresDetails" xlink:type="extended" id="i04177cff338347db807af0de5b183f3d_FairValueDisclosuresFairValueOptionDisclosuresDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_230aac6a-0bf7-49b2-ad6f-3859e06c336a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueOptionQuantitativeDisclosuresLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisGainLossIncludedInEarningsAbstract_dc89ceb1-9c6a-42b1-9e3d-dabb5e2a6943" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisGainLossIncludedInEarningsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_230aac6a-0bf7-49b2-ad6f-3859e06c336a" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisGainLossIncludedInEarningsAbstract_dc89ceb1-9c6a-42b1-9e3d-dabb5e2a6943" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_LoansHeldForSaleUnrealizedGainLoss_a7acef46-71bd-44c1-b430-3d9449a48cea" xlink:href="ibcp-20221231.xsd#ibcp_LoansHeldForSaleUnrealizedGainLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisGainLossIncludedInEarningsAbstract_dc89ceb1-9c6a-42b1-9e3d-dabb5e2a6943" xlink:to="loc_ibcp_LoansHeldForSaleUnrealizedGainLoss_a7acef46-71bd-44c1-b430-3d9449a48cea" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ServicingAssetUnrealizedGainLoss_8faca72d-c124-4999-ae7b-f239bed6b93d" xlink:href="ibcp-20221231.xsd#ibcp_ServicingAssetUnrealizedGainLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisGainLossIncludedInEarningsAbstract_dc89ceb1-9c6a-42b1-9e3d-dabb5e2a6943" xlink:to="loc_ibcp_ServicingAssetUnrealizedGainLoss_8faca72d-c124-4999-ae7b-f239bed6b93d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTable_f384e5f5-58f2-478f-8ea4-2d7e160839ae" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueOptionQuantitativeDisclosuresTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresLineItems_230aac6a-0bf7-49b2-ad6f-3859e06c336a" xlink:to="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTable_f384e5f5-58f2-478f-8ea4-2d7e160839ae" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_b29beae8-f189-4703-b764-5d142a125434" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueOptionQuantitativeDisclosuresTable_f384e5f5-58f2-478f-8ea4-2d7e160839ae" xlink:to="loc_us-gaap_FinancialInstrumentAxis_b29beae8-f189-4703-b764-5d142a125434" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b29beae8-f189-4703-b764-5d142a125434_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_b29beae8-f189-4703-b764-5d142a125434" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_b29beae8-f189-4703-b764-5d142a125434_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_3a706297-0129-40f8-a483-5d5df54faac6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_b29beae8-f189-4703-b764-5d142a125434" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_3a706297-0129-40f8-a483-5d5df54faac6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_Family14Member_2d2e7395-360e-42d9-8d3f-99349835dc40" xlink:href="ibcp-20221231.xsd#ibcp_Family14Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_3a706297-0129-40f8-a483-5d5df54faac6" xlink:to="loc_ibcp_Family14Member_2d2e7395-360e-42d9-8d3f-99349835dc40" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CapitalizedMortgageLoanServicingRightsMember_3c13c7cc-5eb9-422b-a181-34adb1015b92" xlink:href="ibcp-20221231.xsd#ibcp_CapitalizedMortgageLoanServicingRightsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_3a706297-0129-40f8-a483-5d5df54faac6" xlink:to="loc_ibcp_CapitalizedMortgageLoanServicingRightsMember_3c13c7cc-5eb9-422b-a181-34adb1015b92" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/FairValueDisclosuresReconciliationforAllAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisUsingSignificantUnobservableInputsLevel3Details" xlink:type="simple" xlink:href="ibcp-20221231.xsd#FairValueDisclosuresReconciliationforAllAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisUsingSignificantUnobservableInputsLevel3Details"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/FairValueDisclosuresReconciliationforAllAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisUsingSignificantUnobservableInputsLevel3Details" xlink:type="extended" id="i1f4c6677f3b84c24a3f1d90cd7f7a1a2_FairValueDisclosuresReconciliationforAllAssetsandLiabilitiesMeasuredatFairValueonaRecurringBasisUsingSignificantUnobservableInputsLevel3Details">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_7ae839df-d14b-458d-ab35-8d91aa57262e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_077a2701-25ce-446c-85d5-e28d8e29fbf7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_7ae839df-d14b-458d-ab35-8d91aa57262e" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_077a2701-25ce-446c-85d5-e28d8e29fbf7" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_560979e9-e567-41d9-8e41-f187075a62af" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_077a2701-25ce-446c-85d5-e28d8e29fbf7" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_560979e9-e567-41d9-8e41-f187075a62af" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_FairValueAssetsMeasuredOnRecurringBasisGainLossRealizedAndUnrealizedAbstract_cdb62ca0-cc17-4643-8ae4-40ec40fb4e42" xlink:href="ibcp-20221231.xsd#ibcp_FairValueAssetsMeasuredOnRecurringBasisGainLossRealizedAndUnrealizedAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_077a2701-25ce-446c-85d5-e28d8e29fbf7" xlink:to="loc_ibcp_FairValueAssetsMeasuredOnRecurringBasisGainLossRealizedAndUnrealizedAbstract_cdb62ca0-cc17-4643-8ae4-40ec40fb4e42" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_2d59859f-bad0-44b8-8832-537a99278694" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_FairValueAssetsMeasuredOnRecurringBasisGainLossRealizedAndUnrealizedAbstract_cdb62ca0-cc17-4643-8ae4-40ec40fb4e42" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInEarnings1_2d59859f-bad0-44b8-8832-537a99278694" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss_4311dd66-3378-4708-b1a2-9d2d8f8173ff" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_FairValueAssetsMeasuredOnRecurringBasisGainLossRealizedAndUnrealizedAbstract_cdb62ca0-cc17-4643-8ae4-40ec40fb4e42" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss_4311dd66-3378-4708-b1a2-9d2d8f8173ff" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchasesSalesIssuancesSettlements_ef68ebb3-4d86-4b71-bafd-2877ea4f054a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchasesSalesIssuancesSettlements"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_FairValueAssetsMeasuredOnRecurringBasisGainLossRealizedAndUnrealizedAbstract_cdb62ca0-cc17-4643-8ae4-40ec40fb4e42" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchasesSalesIssuancesSettlements_ef68ebb3-4d86-4b71-bafd-2877ea4f054a" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet_d81da5a0-979c-4586-a1d3-12540d1fd177" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_FairValueAssetsMeasuredOnRecurringBasisGainLossRealizedAndUnrealizedAbstract_cdb62ca0-cc17-4643-8ae4-40ec40fb4e42" xlink:to="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetTransfersNet_d81da5a0-979c-4586-a1d3-12540d1fd177" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_111eff43-564c-40cf-89fb-3a0cf742fdd2" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss_56f6c81f-d96c-4082-954c-acae2f2f4bf8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_7ae839df-d14b-458d-ab35-8d91aa57262e" xlink:to="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss_56f6c81f-d96c-4082-954c-acae2f2f4bf8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable_7bef21c5-eec8-487c-a91d-66bcffaa1bef" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_7ae839df-d14b-458d-ab35-8d91aa57262e" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable_7bef21c5-eec8-487c-a91d-66bcffaa1bef" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByLiabilityClassAxis_fbb3505d-8a05-4e2d-b723-e1b138a6148a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueByLiabilityClassAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable_7bef21c5-eec8-487c-a91d-66bcffaa1bef" xlink:to="loc_us-gaap_FairValueByLiabilityClassAxis_fbb3505d-8a05-4e2d-b723-e1b138a6148a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_fbb3505d-8a05-4e2d-b723-e1b138a6148a_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByLiabilityClassAxis_fbb3505d-8a05-4e2d-b723-e1b138a6148a" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_fbb3505d-8a05-4e2d-b723-e1b138a6148a_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_6fdae3e4-2a60-42d8-bc87-525d4d411263" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByLiabilityClassAxis_fbb3505d-8a05-4e2d-b723-e1b138a6148a" xlink:to="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_6fdae3e4-2a60-42d8-bc87-525d4d411263" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CapitalizedMortgageLoanServicingRightsMember_d2d978cb-5393-4535-976e-9830e2ca8f43" xlink:href="ibcp-20221231.xsd#ibcp_CapitalizedMortgageLoanServicingRightsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_6fdae3e4-2a60-42d8-bc87-525d4d411263" xlink:to="loc_ibcp_CapitalizedMortgageLoanServicingRightsMember_d2d978cb-5393-4535-976e-9830e2ca8f43" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/FairValueDisclosuresQuantitativeInformationAboutLevel3Details" xlink:type="simple" xlink:href="ibcp-20221231.xsd#FairValueDisclosuresQuantitativeInformationAboutLevel3Details"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/FairValueDisclosuresQuantitativeInformationAboutLevel3Details" xlink:type="extended" id="i901716121fa44b76897496eb2f8b61f5_FairValueDisclosuresQuantitativeInformationAboutLevel3Details">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_f645b35b-1508-4443-87d8-6ee1d167edf7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsQuantitativeInformationAbstract_89053fe3-e7c3-44c8-9c52-37a0f2fa98b4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueInputsQuantitativeInformationAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_f645b35b-1508-4443-87d8-6ee1d167edf7" xlink:to="loc_us-gaap_FairValueInputsQuantitativeInformationAbstract_89053fe3-e7c3-44c8-9c52-37a0f2fa98b4" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueNetAssetLiabilityAbstract_d51e6a6d-35d0-4d11-bd9e-c14ac401f207" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueNetAssetLiabilityAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueInputsQuantitativeInformationAbstract_89053fe3-e7c3-44c8-9c52-37a0f2fa98b4" xlink:to="loc_us-gaap_FairValueNetAssetLiabilityAbstract_d51e6a6d-35d0-4d11-bd9e-c14ac401f207" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAsset_76678a79-2d0f-4b6e-9f1f-d242a2ecd2ac" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ServicingAsset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueNetAssetLiabilityAbstract_d51e6a6d-35d0-4d11-bd9e-c14ac401f207" xlink:to="loc_us-gaap_ServicingAsset_76678a79-2d0f-4b6e-9f1f-d242a2ecd2ac" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CollateralDependentLoansFairValue_3a860475-2e1d-40b6-adff-6fee53e9177e" xlink:href="ibcp-20221231.xsd#ibcp_CollateralDependentLoansFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueNetAssetLiabilityAbstract_d51e6a6d-35d0-4d11-bd9e-c14ac401f207" xlink:to="loc_ibcp_CollateralDependentLoansFairValue_3a860475-2e1d-40b6-adff-6fee53e9177e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_UnobservableInputsWeightedAverageAbstract_07a7cb6b-614c-4616-9a24-825704ed548e" xlink:href="ibcp-20221231.xsd#ibcp_UnobservableInputsWeightedAverageAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueInputsQuantitativeInformationAbstract_89053fe3-e7c3-44c8-9c52-37a0f2fa98b4" xlink:to="loc_ibcp_UnobservableInputsWeightedAverageAbstract_07a7cb6b-614c-4616-9a24-825704ed548e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetMeasurementInput_94aea361-4df8-4cb2-812b-8586b473c2ff" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ServicingAssetMeasurementInput"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_UnobservableInputsWeightedAverageAbstract_07a7cb6b-614c-4616-9a24-825704ed548e" xlink:to="loc_us-gaap_ServicingAssetMeasurementInput_94aea361-4df8-4cb2-812b-8586b473c2ff" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ImpairedLoansMeasurementInput_a6b612de-a17a-4188-85af-d080314e78cf" xlink:href="ibcp-20221231.xsd#ibcp_ImpairedLoansMeasurementInput"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_UnobservableInputsWeightedAverageAbstract_07a7cb6b-614c-4616-9a24-825704ed548e" xlink:to="loc_ibcp_ImpairedLoansMeasurementInput_a6b612de-a17a-4188-85af-d080314e78cf" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_817bc014-cc0a-4af6-80d1-3755242f90cb" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesLineItems_f645b35b-1508-4443-87d8-6ee1d167edf7" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_817bc014-cc0a-4af6-80d1-3755242f90cb" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis_10fd32c6-2fd7-4e3b-b0df-b1d594385326" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueByMeasurementFrequencyAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_817bc014-cc0a-4af6-80d1-3755242f90cb" xlink:to="loc_us-gaap_FairValueByMeasurementFrequencyAxis_10fd32c6-2fd7-4e3b-b0df-b1d594385326" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_10fd32c6-2fd7-4e3b-b0df-b1d594385326_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_10fd32c6-2fd7-4e3b-b0df-b1d594385326" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_10fd32c6-2fd7-4e3b-b0df-b1d594385326_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_cd2e3310-4b79-4395-a8d6-73090f121d38" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_10fd32c6-2fd7-4e3b-b0df-b1d594385326" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_cd2e3310-4b79-4395-a8d6-73090f121d38" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsRecurringMember_48489f21-6548-4ed3-8b22-6f8700da9465" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueMeasurementsRecurringMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_cd2e3310-4b79-4395-a8d6-73090f121d38" xlink:to="loc_us-gaap_FairValueMeasurementsRecurringMember_48489f21-6548-4ed3-8b22-6f8700da9465" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsNonrecurringMember_3f8371c2-590d-423e-abd3-cece354cf947" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueMeasurementsNonrecurringMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_cd2e3310-4b79-4395-a8d6-73090f121d38" xlink:to="loc_us-gaap_FairValueMeasurementsNonrecurringMember_3f8371c2-590d-423e-abd3-cece354cf947" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_931f777b-8da7-48f8-b54d-30628d5cb3e9" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_817bc014-cc0a-4af6-80d1-3755242f90cb" xlink:to="loc_us-gaap_FinancialInstrumentAxis_931f777b-8da7-48f8-b54d-30628d5cb3e9" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_931f777b-8da7-48f8-b54d-30628d5cb3e9_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_931f777b-8da7-48f8-b54d-30628d5cb3e9" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_931f777b-8da7-48f8-b54d-30628d5cb3e9_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_e4156417-c4ed-4393-b573-c412fa997db5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_931f777b-8da7-48f8-b54d-30628d5cb3e9" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_e4156417-c4ed-4393-b573-c412fa997db5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CapitalizedMortgageLoanServicingRightsMember_8ee43aab-10ba-4e83-a6b3-136001e49be3" xlink:href="ibcp-20221231.xsd#ibcp_CapitalizedMortgageLoanServicingRightsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_e4156417-c4ed-4393-b573-c412fa997db5" xlink:to="loc_ibcp_CapitalizedMortgageLoanServicingRightsMember_8ee43aab-10ba-4e83-a6b3-136001e49be3" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CollateralDependentLoansMember_cdab448b-7902-4b0a-ad25-833ac146ddb5" xlink:href="ibcp-20221231.xsd#ibcp_CollateralDependentLoansMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_e4156417-c4ed-4393-b573-c412fa997db5" xlink:to="loc_ibcp_CollateralDependentLoansMember_cdab448b-7902-4b0a-ad25-833ac146ddb5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CollateralDependentLoansMortgageAndInstallmentMember_4b0314c9-8b47-46f7-b25f-bc832736ff74" xlink:href="ibcp-20221231.xsd#ibcp_CollateralDependentLoansMortgageAndInstallmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_e4156417-c4ed-4393-b573-c412fa997db5" xlink:to="loc_ibcp_CollateralDependentLoansMortgageAndInstallmentMember_4b0314c9-8b47-46f7-b25f-bc832736ff74" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ImpairedLoansInstallmentMember_fd8da0b4-bd96-4f31-9135-a2358f1444df" xlink:href="ibcp-20221231.xsd#ibcp_ImpairedLoansInstallmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_e4156417-c4ed-4393-b573-c412fa997db5" xlink:to="loc_ibcp_ImpairedLoansInstallmentMember_fd8da0b4-bd96-4f31-9135-a2358f1444df" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_48e10f53-dfc5-4aca-8c39-3b40f382704b" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_RangeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_817bc014-cc0a-4af6-80d1-3755242f90cb" xlink:to="loc_srt_RangeAxis_48e10f53-dfc5-4aca-8c39-3b40f382704b" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_48e10f53-dfc5-4aca-8c39-3b40f382704b_default" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_RangeAxis_48e10f53-dfc5-4aca-8c39-3b40f382704b" xlink:to="loc_srt_RangeMember_48e10f53-dfc5-4aca-8c39-3b40f382704b_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_e92fdf7a-788c-4cc0-a662-214b3c4d9b09" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_RangeAxis_48e10f53-dfc5-4aca-8c39-3b40f382704b" xlink:to="loc_srt_RangeMember_e92fdf7a-788c-4cc0-a662-214b3c4d9b09" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_66aca984-ffe4-4ef4-b412-df1d99c14366" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_MinimumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_e92fdf7a-788c-4cc0-a662-214b3c4d9b09" xlink:to="loc_srt_MinimumMember_66aca984-ffe4-4ef4-b412-df1d99c14366" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_74db102b-d763-41ee-9079-0e1b17c78400" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_MaximumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_e92fdf7a-788c-4cc0-a662-214b3c4d9b09" xlink:to="loc_srt_MaximumMember_74db102b-d763-41ee-9079-0e1b17c78400" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_WeightedAverageMember_99d3c7d9-3c55-45be-9de1-179ff4d815ea" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_WeightedAverageMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_e92fdf7a-788c-4cc0-a662-214b3c4d9b09" xlink:to="loc_srt_WeightedAverageMember_99d3c7d9-3c55-45be-9de1-179ff4d815ea" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueAxis_0bf809ed-1383-4055-b0ef-06ab8a2931c2" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ValuationTechniqueAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_817bc014-cc0a-4af6-80d1-3755242f90cb" xlink:to="loc_us-gaap_ValuationTechniqueAxis_0bf809ed-1383-4055-b0ef-06ab8a2931c2" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueDomain_0bf809ed-1383-4055-b0ef-06ab8a2931c2_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ValuationTechniqueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_ValuationTechniqueAxis_0bf809ed-1383-4055-b0ef-06ab8a2931c2" xlink:to="loc_us-gaap_ValuationTechniqueDomain_0bf809ed-1383-4055-b0ef-06ab8a2931c2_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueDomain_98f6359d-6c88-490e-9905-831753c36ed4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ValuationTechniqueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_ValuationTechniqueAxis_0bf809ed-1383-4055-b0ef-06ab8a2931c2" xlink:to="loc_us-gaap_ValuationTechniqueDomain_98f6359d-6c88-490e-9905-831753c36ed4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_PresentValueOfNetServicingRevenueMember_ed6e1e68-2da8-4c43-93ae-8f33bf7fb03c" xlink:href="ibcp-20221231.xsd#ibcp_PresentValueOfNetServicingRevenueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ValuationTechniqueDomain_98f6359d-6c88-490e-9905-831753c36ed4" xlink:to="loc_ibcp_PresentValueOfNetServicingRevenueMember_ed6e1e68-2da8-4c43-93ae-8f33bf7fb03c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_SalesComparisonApproachMember_d7669ee2-98a1-4996-b56d-920e61072648" xlink:href="ibcp-20221231.xsd#ibcp_SalesComparisonApproachMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ValuationTechniqueDomain_98f6359d-6c88-490e-9905-831753c36ed4" xlink:to="loc_ibcp_SalesComparisonApproachMember_d7669ee2-98a1-4996-b56d-920e61072648" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_1a8adbe6-2598-45b2-8418-83100da9ce2a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_817bc014-cc0a-4af6-80d1-3755242f90cb" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_1a8adbe6-2598-45b2-8418-83100da9ce2a" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1a8adbe6-2598-45b2-8418-83100da9ce2a_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_1a8adbe6-2598-45b2-8418-83100da9ce2a" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_1a8adbe6-2598-45b2-8418-83100da9ce2a_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_2dfde1a2-8d4d-4cda-8850-d9c7d2897310" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_1a8adbe6-2598-45b2-8418-83100da9ce2a" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_2dfde1a2-8d4d-4cda-8850-d9c7d2897310" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_3d35a53b-d19a-46a0-9f61-037fa6d9d059" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_2dfde1a2-8d4d-4cda-8850-d9c7d2897310" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_3d35a53b-d19a-46a0-9f61-037fa6d9d059" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeAxis_5fb62ff7-b03a-4269-8fe8-de5ed7a70391" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_MeasurementInputTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTable_817bc014-cc0a-4af6-80d1-3755242f90cb" xlink:to="loc_us-gaap_MeasurementInputTypeAxis_5fb62ff7-b03a-4269-8fe8-de5ed7a70391" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeDomain_5fb62ff7-b03a-4269-8fe8-de5ed7a70391_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_MeasurementInputTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_MeasurementInputTypeAxis_5fb62ff7-b03a-4269-8fe8-de5ed7a70391" xlink:to="loc_us-gaap_MeasurementInputTypeDomain_5fb62ff7-b03a-4269-8fe8-de5ed7a70391_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeDomain_d8cb4bf8-dc69-438a-ae0e-56c3d51b78fa" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_MeasurementInputTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_MeasurementInputTypeAxis_5fb62ff7-b03a-4269-8fe8-de5ed7a70391" xlink:to="loc_us-gaap_MeasurementInputTypeDomain_d8cb4bf8-dc69-438a-ae0e-56c3d51b78fa" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputDiscountRateMember_36b37bf9-6e9c-4dc3-8e6f-70b579994f66" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_MeasurementInputDiscountRateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_d8cb4bf8-dc69-438a-ae0e-56c3d51b78fa" xlink:to="loc_us-gaap_MeasurementInputDiscountRateMember_36b37bf9-6e9c-4dc3-8e6f-70b579994f66" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_MeasurementInputCostToServiceApproachMember_1c3e4689-7926-4483-8202-770584e07e9a" xlink:href="ibcp-20221231.xsd#ibcp_MeasurementInputCostToServiceApproachMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_d8cb4bf8-dc69-438a-ae0e-56c3d51b78fa" xlink:to="loc_ibcp_MeasurementInputCostToServiceApproachMember_1c3e4689-7926-4483-8202-770584e07e9a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_MeasurementInputAncillaryIncomeMember_a527e774-5cb1-49ad-8c1e-41b128811e40" xlink:href="ibcp-20221231.xsd#ibcp_MeasurementInputAncillaryIncomeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_d8cb4bf8-dc69-438a-ae0e-56c3d51b78fa" xlink:to="loc_ibcp_MeasurementInputAncillaryIncomeMember_a527e774-5cb1-49ad-8c1e-41b128811e40" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_MeasurementInputFloatRateMember_e1d8dcf6-60ba-4c7b-9150-485a42548fd8" xlink:href="ibcp-20221231.xsd#ibcp_MeasurementInputFloatRateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_d8cb4bf8-dc69-438a-ae0e-56c3d51b78fa" xlink:to="loc_ibcp_MeasurementInputFloatRateMember_e1d8dcf6-60ba-4c7b-9150-485a42548fd8" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputPrepaymentRateMember_f42044c8-a4c3-4c4a-8e3d-b286f0f6a193" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_MeasurementInputPrepaymentRateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_d8cb4bf8-dc69-438a-ae0e-56c3d51b78fa" xlink:to="loc_us-gaap_MeasurementInputPrepaymentRateMember_f42044c8-a4c3-4c4a-8e3d-b286f0f6a193" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputComparabilityAdjustmentMember_e99031bd-e861-4e80-9273-0d1cd18c567c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_MeasurementInputComparabilityAdjustmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_d8cb4bf8-dc69-438a-ae0e-56c3d51b78fa" xlink:to="loc_us-gaap_MeasurementInputComparabilityAdjustmentMember_e99031bd-e861-4e80-9273-0d1cd18c567c" xlink:type="arc" order="5"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/FairValuesofFinancialInstrumentsDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#FairValuesofFinancialInstrumentsDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/FairValuesofFinancialInstrumentsDetails" xlink:type="extended" id="i30d92193c27e4df7a302dced3f35c3cd_FairValuesofFinancialInstrumentsDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_3e645514-c75f-403f-90e7-e500d7c3352f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_EstimatedRecordedBookBalanceAndFairValueAbstract_9e0fdeeb-9e4e-495b-870e-dffffdd85105" xlink:href="ibcp-20221231.xsd#ibcp_EstimatedRecordedBookBalanceAndFairValueAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_3e645514-c75f-403f-90e7-e500d7c3352f" xlink:to="loc_ibcp_EstimatedRecordedBookBalanceAndFairValueAbstract_9e0fdeeb-9e4e-495b-870e-dffffdd85105" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_6a24f549-1178-48ad-93ce-805c023eb346" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_EstimatedRecordedBookBalanceAndFairValueAbstract_9e0fdeeb-9e4e-495b-870e-dffffdd85105" xlink:to="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_6a24f549-1178-48ad-93ce-805c023eb346" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CashAndDueFromBanksFairValueDisclosure_6eacfef0-d35f-4b42-b1aa-9cc76eead8d9" xlink:href="ibcp-20221231.xsd#ibcp_CashAndDueFromBanksFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_6a24f549-1178-48ad-93ce-805c023eb346" xlink:to="loc_ibcp_CashAndDueFromBanksFairValueDisclosure_6eacfef0-d35f-4b42-b1aa-9cc76eead8d9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InterestBearingDepositsWithBanksFairValueDisclosure_ba305ed2-e862-46c1-86ae-10ce528597a7" xlink:href="ibcp-20221231.xsd#ibcp_InterestBearingDepositsWithBanksFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_6a24f549-1178-48ad-93ce-805c023eb346" xlink:to="loc_ibcp_InterestBearingDepositsWithBanksFairValueDisclosure_ba305ed2-e862-46c1-86ae-10ce528597a7" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_d4b3cc7d-4b5f-4c86-87ff-174ba259a729" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_6a24f549-1178-48ad-93ce-805c023eb346" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_d4b3cc7d-4b5f-4c86-87ff-174ba259a729" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_11aa3514-7d26-4982-9ee8-708bd531ec43" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_6a24f549-1178-48ad-93ce-805c023eb346" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_11aa3514-7d26-4982-9ee8-708bd531ec43" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock_4ba68661-5776-444d-83e5-594042540bae" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_6a24f549-1178-48ad-93ce-805c023eb346" xlink:to="loc_us-gaap_FederalHomeLoanBankStockAndFederalReserveBankStock_4ba68661-5776-444d-83e5-594042540bae" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_NetLoansAndLoansHeldForSaleFairValueDisclosure_680d376f-74a3-425a-a18a-a21326e94080" xlink:href="ibcp-20221231.xsd#ibcp_NetLoansAndLoansHeldForSaleFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_6a24f549-1178-48ad-93ce-805c023eb346" xlink:to="loc_ibcp_NetLoansAndLoansHeldForSaleFairValueDisclosure_680d376f-74a3-425a-a18a-a21326e94080" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestReceivableCurrent_153737db-decb-40a5-a511-407d1661578e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InterestReceivableCurrent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_6a24f549-1178-48ad-93ce-805c023eb346" xlink:to="loc_us-gaap_InterestReceivableCurrent_153737db-decb-40a5-a511-407d1661578e" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_ee218248-a2f1-4aa2-8561-dd8ee975b51d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativeAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract_6a24f549-1178-48ad-93ce-805c023eb346" xlink:to="loc_us-gaap_DerivativeAssets_ee218248-a2f1-4aa2-8561-dd8ee975b51d" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_bb7cbbf8-60ca-470f-acfa-255316e23e02" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_EstimatedRecordedBookBalanceAndFairValueAbstract_9e0fdeeb-9e4e-495b-870e-dffffdd85105" xlink:to="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_bb7cbbf8-60ca-470f-acfa-255316e23e02" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DomesticDepositSavingsNoStatedMaturity_8684279f-ca89-4f41-a33a-3acc928a084a" xlink:href="ibcp-20221231.xsd#ibcp_DomesticDepositSavingsNoStatedMaturity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_bb7cbbf8-60ca-470f-acfa-255316e23e02" xlink:to="loc_ibcp_DomesticDepositSavingsNoStatedMaturity_8684279f-ca89-4f41-a33a-3acc928a084a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDeposits_9d49414c-8b4a-4278-a2dc-0eec5a2ec53e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TimeDeposits"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_bb7cbbf8-60ca-470f-acfa-255316e23e02" xlink:to="loc_us-gaap_TimeDeposits_9d49414c-8b4a-4278-a2dc-0eec5a2ec53e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherBorrowings_54606915-61c2-4574-8d17-36553ce4471a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherBorrowings"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_bb7cbbf8-60ca-470f-acfa-255316e23e02" xlink:to="loc_us-gaap_OtherBorrowings_54606915-61c2-4574-8d17-36553ce4471a" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubordinatedDebt_86d9d9fb-f687-4d4b-b7f9-2edfea00cf6f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_SubordinatedDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_bb7cbbf8-60ca-470f-acfa-255316e23e02" xlink:to="loc_us-gaap_SubordinatedDebt_86d9d9fb-f687-4d4b-b7f9-2edfea00cf6f" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_6c4ad71d-938d-4ad1-91b4-17e220ea8645" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_bb7cbbf8-60ca-470f-acfa-255316e23e02" xlink:to="loc_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_6c4ad71d-938d-4ad1-91b4-17e220ea8645" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPayableCurrentAndNoncurrent_31612dfd-06a2-45a1-9d7f-7ced5e3fbb5f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InterestPayableCurrentAndNoncurrent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_bb7cbbf8-60ca-470f-acfa-255316e23e02" xlink:to="loc_us-gaap_InterestPayableCurrentAndNoncurrent_31612dfd-06a2-45a1-9d7f-7ced5e3fbb5f" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_d3407991-d986-4c95-8563-3782460296dc" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DerivativeLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract_bb7cbbf8-60ca-470f-acfa-255316e23e02" xlink:to="loc_us-gaap_DerivativeLiabilities_d3407991-d986-4c95-8563-3782460296dc" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ReciprocalDepositsIncludedInDepositsNoStatedMaturity_4554ba3a-e132-416b-ab74-5ee6b92074d2" xlink:href="ibcp-20221231.xsd#ibcp_ReciprocalDepositsIncludedInDepositsNoStatedMaturity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_EstimatedRecordedBookBalanceAndFairValueAbstract_9e0fdeeb-9e4e-495b-870e-dffffdd85105" xlink:to="loc_ibcp_ReciprocalDepositsIncludedInDepositsNoStatedMaturity_4554ba3a-e132-416b-ab74-5ee6b92074d2" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ReciprocalDepositsIncludedInDepositsWithStatedMaturity_08f9b315-3c5b-4776-8532-af8c2440c256" xlink:href="ibcp-20221231.xsd#ibcp_ReciprocalDepositsIncludedInDepositsWithStatedMaturity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_EstimatedRecordedBookBalanceAndFairValueAbstract_9e0fdeeb-9e4e-495b-870e-dffffdd85105" xlink:to="loc_ibcp_ReciprocalDepositsIncludedInDepositsWithStatedMaturity_08f9b315-3c5b-4776-8532-af8c2440c256" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByBalanceSheetGroupingTable_1430b60e-9b59-4325-bd03-eec467b718aa" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueByBalanceSheetGroupingTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems_3e645514-c75f-403f-90e7-e500d7c3352f" xlink:to="loc_us-gaap_FairValueByBalanceSheetGroupingTable_1430b60e-9b59-4325-bd03-eec467b718aa" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_c5e68ae1-a453-4b41-a1c6-2fdc3c35bf1d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_1430b60e-9b59-4325-bd03-eec467b718aa" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_c5e68ae1-a453-4b41-a1c6-2fdc3c35bf1d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_c5e68ae1-a453-4b41-a1c6-2fdc3c35bf1d_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_c5e68ae1-a453-4b41-a1c6-2fdc3c35bf1d" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_c5e68ae1-a453-4b41-a1c6-2fdc3c35bf1d_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_eb509264-b4fb-453d-bf4c-f5bbdadce0b0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_c5e68ae1-a453-4b41-a1c6-2fdc3c35bf1d" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_eb509264-b4fb-453d-bf4c-f5bbdadce0b0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_57b3b90d-b021-44e6-aaa3-ea19f8972e2d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_eb509264-b4fb-453d-bf4c-f5bbdadce0b0" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_57b3b90d-b021-44e6-aaa3-ea19f8972e2d" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_78617e71-fdea-4b13-9a7d-dceaafce4803" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_eb509264-b4fb-453d-bf4c-f5bbdadce0b0" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_78617e71-fdea-4b13-9a7d-dceaafce4803" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_dba2c6ea-68fd-41a5-bd41-ea1a3a8d14d5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_eb509264-b4fb-453d-bf4c-f5bbdadce0b0" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_dba2c6ea-68fd-41a5-bd41-ea1a3a8d14d5" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementBasisAxis_7aca5fc5-14f4-422c-b8b3-7a7d44c9e372" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueByMeasurementBasisAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueByBalanceSheetGroupingTable_1430b60e-9b59-4325-bd03-eec467b718aa" xlink:to="loc_us-gaap_FairValueByMeasurementBasisAxis_7aca5fc5-14f4-422c-b8b3-7a7d44c9e372" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_7aca5fc5-14f4-422c-b8b3-7a7d44c9e372_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PortionAtFairValueFairValueDisclosureMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByMeasurementBasisAxis_7aca5fc5-14f4-422c-b8b3-7a7d44c9e372" xlink:to="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_7aca5fc5-14f4-422c-b8b3-7a7d44c9e372_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosureItemAmountsDomain_2f68a9a4-621d-4bd6-a831-bd45c8ff9b10" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_FairValueDisclosureItemAmountsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByMeasurementBasisAxis_7aca5fc5-14f4-422c-b8b3-7a7d44c9e372" xlink:to="loc_us-gaap_FairValueDisclosureItemAmountsDomain_2f68a9a4-621d-4bd6-a831-bd45c8ff9b10" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_da0bd004-988f-4cc0-9396-ec73e1127e43" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PortionAtFairValueFairValueDisclosureMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueDisclosureItemAmountsDomain_2f68a9a4-621d-4bd6-a831-bd45c8ff9b10" xlink:to="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_da0bd004-988f-4cc0-9396-ec73e1127e43" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember_a1d53b33-5fb8-4fef-8830-5d3e01774ad5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CarryingReportedAmountFairValueDisclosureMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_da0bd004-988f-4cc0-9396-ec73e1127e43" xlink:to="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember_a1d53b33-5fb8-4fef-8830-5d3e01774ad5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember_ec9ffd23-0af2-4f7a-9af1-e61e2bd67bf1" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_EstimateOfFairValueFairValueDisclosureMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_da0bd004-988f-4cc0-9396-ec73e1127e43" xlink:to="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember_ec9ffd23-0af2-4f7a-9af1-e61e2bd67bf1" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/AccumulatedOtherComprehensiveIncomeLossSummaryofChangesDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#AccumulatedOtherComprehensiveIncomeLossSummaryofChangesDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/AccumulatedOtherComprehensiveIncomeLossSummaryofChangesDetails" xlink:type="extended" id="id7675b739be742ffbb22adea2f7529a4_AccumulatedOtherComprehensiveIncomeLossSummaryofChangesDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_52593af9-c10c-4dc1-b867-d2a1dc25c0c2" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_717f72c2-7886-4357-9a1a-717d7d44c2b8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AOCIAttributableToParentNetOfTaxRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_52593af9-c10c-4dc1-b867-d2a1dc25c0c2" xlink:to="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_717f72c2-7886-4357-9a1a-717d7d44c2b8" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_72d8cc9e-3cc4-45f9-9679-d049f420dd53" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StockholdersEquity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_717f72c2-7886-4357-9a1a-717d7d44c2b8" xlink:to="loc_us-gaap_StockholdersEquity_72d8cc9e-3cc4-45f9-9679-d049f420dd53" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_d421e7ae-5d34-4554-80cd-ae9234fc415b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_717f72c2-7886-4357-9a1a-717d7d44c2b8" xlink:to="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_d421e7ae-5d34-4554-80cd-ae9234fc415b" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_3eae8075-8108-491a-823e-ffd3b7da6035" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_717f72c2-7886-4357-9a1a-717d7d44c2b8" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_3eae8075-8108-491a-823e-ffd3b7da6035" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_b75ae307-e623-4f16-abf4-b36db8b8ebad" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AOCIAttributableToParentNetOfTaxRollForward_717f72c2-7886-4357-9a1a-717d7d44c2b8" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_b75ae307-e623-4f16-abf4-b36db8b8ebad" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_5ac7124c-870b-47af-adf9-ec984876bd7a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_900ef2b0-a2bf-4e96-887d-c791bd8cd3cc" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_52593af9-c10c-4dc1-b867-d2a1dc25c0c2" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_900ef2b0-a2bf-4e96-887d-c791bd8cd3cc" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_145a7ae4-5d38-4cb2-8c78-2059a94243a4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_900ef2b0-a2bf-4e96-887d-c791bd8cd3cc" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_145a7ae4-5d38-4cb2-8c78-2059a94243a4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_145a7ae4-5d38-4cb2-8c78-2059a94243a4_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_145a7ae4-5d38-4cb2-8c78-2059a94243a4" xlink:to="loc_us-gaap_EquityComponentDomain_145a7ae4-5d38-4cb2-8c78-2059a94243a4_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_6a337ca0-7000-4739-b4cb-9b6fd0a17638" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_145a7ae4-5d38-4cb2-8c78-2059a94243a4" xlink:to="loc_us-gaap_EquityComponentDomain_6a337ca0-7000-4739-b4cb-9b6fd0a17638" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_6c159356-e2c1-4cc4-90f0-561f3f1e761f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_6a337ca0-7000-4739-b4cb-9b6fd0a17638" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_6c159356-e2c1-4cc4-90f0-561f3f1e761f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_714e2558-52ed-4c6c-af19-4ab617b7eb28" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_6c159356-e2c1-4cc4-90f0-561f3f1e761f" xlink:to="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_714e2558-52ed-4c6c-af19-4ab617b7eb28" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_AccumulatedOtherComprehensiveIncomeLossUnrealizedLossesOnSecuritiesTransferredToSecuritiesHeldToMaturityMember_75d0246b-ee34-48b0-a12c-946631372e77" xlink:href="ibcp-20221231.xsd#ibcp_AccumulatedOtherComprehensiveIncomeLossUnrealizedLossesOnSecuritiesTransferredToSecuritiesHeldToMaturityMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_6c159356-e2c1-4cc4-90f0-561f3f1e761f" xlink:to="loc_ibcp_AccumulatedOtherComprehensiveIncomeLossUnrealizedLossesOnSecuritiesTransferredToSecuritiesHeldToMaturityMember_75d0246b-ee34-48b0-a12c-946631372e77" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_AccumulatedOtherComprehensiveIncomeLossDisproportionateTaxEffectsFromSecuritiesAvailableForSaleMember_6102d650-f8ec-4af1-8831-8bf8764331e1" xlink:href="ibcp-20221231.xsd#ibcp_AccumulatedOtherComprehensiveIncomeLossDisproportionateTaxEffectsFromSecuritiesAvailableForSaleMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_6c159356-e2c1-4cc4-90f0-561f3f1e761f" xlink:to="loc_ibcp_AccumulatedOtherComprehensiveIncomeLossDisproportionateTaxEffectsFromSecuritiesAvailableForSaleMember_6102d650-f8ec-4af1-8831-8bf8764331e1" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_1f8f937e-c435-4ce9-acd3-193400a521c4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_6c159356-e2c1-4cc4-90f0-561f3f1e761f" xlink:to="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_1f8f937e-c435-4ce9-acd3-193400a521c4" xlink:type="arc" order="4"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/AccumulatedOtherComprehensiveIncomeLossReclassificationOutofEachComponentofAOCILDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#AccumulatedOtherComprehensiveIncomeLossReclassificationOutofEachComponentofAOCILDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/AccumulatedOtherComprehensiveIncomeLossReclassificationOutofEachComponentofAOCILDetails" xlink:type="extended" id="i53e3be0c567744aa9b899dc7ef7e1084_AccumulatedOtherComprehensiveIncomeLossReclassificationOutofEachComponentofAOCILDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_eda7bae6-b58c-4990-b6f3-fc51fe0a58f0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ReclassificationAdjustmentAccumulatedOtherComprehensiveIncomeAbstract_87f0ad49-dbfa-4d73-952c-2be04c0818ae" xlink:href="ibcp-20221231.xsd#ibcp_ReclassificationAdjustmentAccumulatedOtherComprehensiveIncomeAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_eda7bae6-b58c-4990-b6f3-fc51fe0a58f0" xlink:to="loc_ibcp_ReclassificationAdjustmentAccumulatedOtherComprehensiveIncomeAbstract_87f0ad49-dbfa-4d73-952c-2be04c0818ae" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtAndEquitySecuritiesRealizedGainLoss_37a5e578-a38e-49a0-b831-0d077837d930" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtAndEquitySecuritiesRealizedGainLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_ReclassificationAdjustmentAccumulatedOtherComprehensiveIncomeAbstract_87f0ad49-dbfa-4d73-952c-2be04c0818ae" xlink:to="loc_us-gaap_DebtAndEquitySecuritiesRealizedGainLoss_37a5e578-a38e-49a0-b831-0d077837d930" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherThanTemporaryImpairmentLossDebtSecuritiesAvailableForSaleRecognizedInEarnings_429aae2d-78a8-4f5e-9cdc-4fdd3dc81f3a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherThanTemporaryImpairmentLossDebtSecuritiesAvailableForSaleRecognizedInEarnings"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_ReclassificationAdjustmentAccumulatedOtherComprehensiveIncomeAbstract_87f0ad49-dbfa-4d73-952c-2be04c0818ae" xlink:to="loc_us-gaap_OtherThanTemporaryImpairmentLossDebtSecuritiesAvailableForSaleRecognizedInEarnings_429aae2d-78a8-4f5e-9cdc-4fdd3dc81f3a" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_cb1ff252-fe3a-415f-a8f5-36f52335e7c5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_ReclassificationAdjustmentAccumulatedOtherComprehensiveIncomeAbstract_87f0ad49-dbfa-4d73-952c-2be04c0818ae" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_cb1ff252-fe3a-415f-a8f5-36f52335e7c5" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpense_bfe2c044-1613-4f03-834c-0c1ecadbaf3a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InterestExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_ReclassificationAdjustmentAccumulatedOtherComprehensiveIncomeAbstract_87f0ad49-dbfa-4d73-952c-2be04c0818ae" xlink:to="loc_us-gaap_InterestExpense_bfe2c044-1613-4f03-834c-0c1ecadbaf3a" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_a5f14c17-7e3a-41ad-b6c9-57b6b24cc4f8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_ReclassificationAdjustmentAccumulatedOtherComprehensiveIncomeAbstract_87f0ad49-dbfa-4d73-952c-2be04c0818ae" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_a5f14c17-7e3a-41ad-b6c9-57b6b24cc4f8" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_b0471e07-601f-4757-bc0a-a308153ec5a7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NetIncomeLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_ReclassificationAdjustmentAccumulatedOtherComprehensiveIncomeAbstract_87f0ad49-dbfa-4d73-952c-2be04c0818ae" xlink:to="loc_us-gaap_NetIncomeLoss_b0471e07-601f-4757-bc0a-a308153ec5a7" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_aba2a4fd-8e4b-4468-b08d-24a9222bc5b9" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeLineItems_eda7bae6-b58c-4990-b6f3-fc51fe0a58f0" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_aba2a4fd-8e4b-4468-b08d-24a9222bc5b9" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_bf7c4c4f-0872-4f4c-9254-d355447fde0a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_aba2a4fd-8e4b-4468-b08d-24a9222bc5b9" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_bf7c4c4f-0872-4f4c-9254-d355447fde0a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_bf7c4c4f-0872-4f4c-9254-d355447fde0a_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_bf7c4c4f-0872-4f4c-9254-d355447fde0a" xlink:to="loc_us-gaap_EquityComponentDomain_bf7c4c4f-0872-4f4c-9254-d355447fde0a_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_9bf5487d-db7d-4182-832f-adff867c9864" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_bf7c4c4f-0872-4f4c-9254-d355447fde0a" xlink:to="loc_us-gaap_EquityComponentDomain_9bf5487d-db7d-4182-832f-adff867c9864" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_cf970072-9d35-4f6a-af0d-fcf3da72b615" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_9bf5487d-db7d-4182-832f-adff867c9864" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_cf970072-9d35-4f6a-af0d-fcf3da72b615" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_607bb747-692f-430b-9e98-24d1cafc9ca0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_cf970072-9d35-4f6a-af0d-fcf3da72b615" xlink:to="loc_us-gaap_AccumulatedNetUnrealizedInvestmentGainLossMember_607bb747-692f-430b-9e98-24d1cafc9ca0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_09847a5f-ac59-48d1-8c3e-eafa54461a9d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_cf970072-9d35-4f6a-af0d-fcf3da72b615" xlink:to="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_09847a5f-ac59-48d1-8c3e-eafa54461a9d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_865bbe18-ec42-4219-aa6d-e37c6f9eff53" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeTable_aba2a4fd-8e4b-4468-b08d-24a9222bc5b9" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_865bbe18-ec42-4219-aa6d-e37c6f9eff53" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_865bbe18-ec42-4219-aa6d-e37c6f9eff53_default" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_865bbe18-ec42-4219-aa6d-e37c6f9eff53" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_865bbe18-ec42-4219-aa6d-e37c6f9eff53_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_2e479898-e94b-47e5-bada-5a04f229e8ca" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeAxis_865bbe18-ec42-4219-aa6d-e37c6f9eff53" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_2e479898-e94b-47e5-bada-5a04f229e8ca" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_c0b1d7c9-39a9-4bb9-bc27-df79ef396481" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeDomain_2e479898-e94b-47e5-bada-5a04f229e8ca" xlink:to="loc_us-gaap_ReclassificationOutOfAccumulatedOtherComprehensiveIncomeMember_c0b1d7c9-39a9-4bb9-bc27-df79ef396481" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/IndependentBankCorporationParentCompanyOnlyFinancialInformationStatementsofFinancialConditionDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#IndependentBankCorporationParentCompanyOnlyFinancialInformationStatementsofFinancialConditionDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/IndependentBankCorporationParentCompanyOnlyFinancialInformationStatementsofFinancialConditionDetails" xlink:type="extended" id="i6a148551cf5447c2b8cbbe94100aa11a_IndependentBankCorporationParentCompanyOnlyFinancialInformationStatementsofFinancialConditionDetails">
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedFinancialStatementsCaptionsLineItems_b19cea3f-a30e-4ff6-b3fb-fc648d930a9d" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_CondensedFinancialStatementsCaptionsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfFinancialPositionAbstract_d4152936-96de-447c-8485-dd0f7b0b1e38" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StatementOfFinancialPositionAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedFinancialStatementsCaptionsLineItems_b19cea3f-a30e-4ff6-b3fb-fc648d930a9d" xlink:to="loc_us-gaap_StatementOfFinancialPositionAbstract_d4152936-96de-447c-8485-dd0f7b0b1e38" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsAbstract_9028380e-572a-4d81-9210-f07bb989caca" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AssetsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_d4152936-96de-447c-8485-dd0f7b0b1e38" xlink:to="loc_us-gaap_AssetsAbstract_9028380e-572a-4d81-9210-f07bb989caca" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndDueFromBanks_d28b377c-3f69-4950-95b3-2288d0488c22" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CashAndDueFromBanks"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_9028380e-572a-4d81-9210-f07bb989caca" xlink:to="loc_us-gaap_CashAndDueFromBanks_d28b377c-3f69-4950-95b3-2288d0488c22" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InterestBearingDepositsTime_d4992fd6-5ea0-4aa9-9a7d-e8dbe36a43bb" xlink:href="ibcp-20221231.xsd#ibcp_InterestBearingDepositsTime"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_9028380e-572a-4d81-9210-f07bb989caca" xlink:to="loc_ibcp_InterestBearingDepositsTime_d4992fd6-5ea0-4aa9-9a7d-e8dbe36a43bb" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_10c0a84a-7e1d-439a-9637-a9302c27e2b8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_9028380e-572a-4d81-9210-f07bb989caca" xlink:to="loc_us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures_10c0a84a-7e1d-439a-9637-a9302c27e2b8" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_5b998b39-f588-4d9f-95e3-c18c5e011e94" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_9028380e-572a-4d81-9210-f07bb989caca" xlink:to="loc_us-gaap_OtherAssets_5b998b39-f588-4d9f-95e3-c18c5e011e94" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_4717a654-a37e-4462-ad84-f3967d037d97" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_Assets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_9028380e-572a-4d81-9210-f07bb989caca" xlink:to="loc_us-gaap_Assets_4717a654-a37e-4462-ad84-f3967d037d97" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_e32ecb37-f7b4-484b-abdd-1dd690fed9e8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract_d4152936-96de-447c-8485-dd0f7b0b1e38" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_e32ecb37-f7b4-484b-abdd-1dd690fed9e8" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubordinatedDebt_27f14994-d57d-45bb-b595-81d06524e389" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_SubordinatedDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_e32ecb37-f7b4-484b-abdd-1dd690fed9e8" xlink:to="loc_us-gaap_SubordinatedDebt_27f14994-d57d-45bb-b595-81d06524e389" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_4564464c-e91f-49c4-9dbb-9fa574c74213" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_e32ecb37-f7b4-484b-abdd-1dd690fed9e8" xlink:to="loc_us-gaap_JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust_4564464c-e91f-49c4-9dbb-9fa574c74213" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilities_c8203ad7-216a-4651-a276-1aacdc12ec12" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_e32ecb37-f7b4-484b-abdd-1dd690fed9e8" xlink:to="loc_us-gaap_OtherLiabilities_c8203ad7-216a-4651-a276-1aacdc12ec12" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_85b24afe-a778-4e72-a5e3-b286e2190700" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StockholdersEquity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_e32ecb37-f7b4-484b-abdd-1dd690fed9e8" xlink:to="loc_us-gaap_StockholdersEquity_85b24afe-a778-4e72-a5e3-b286e2190700" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_deb15573-1e05-4bab-acef-e63a8a4de2ef" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_e32ecb37-f7b4-484b-abdd-1dd690fed9e8" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquity_deb15573-1e05-4bab-acef-e63a8a4de2ef" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScheduleOfCondensedFinancialStatementsTable_251a1489-21e4-4060-855d-4474ea3a7152" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_ScheduleOfCondensedFinancialStatementsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_srt_CondensedFinancialStatementsCaptionsLineItems_b19cea3f-a30e-4ff6-b3fb-fc648d930a9d" xlink:to="loc_srt_ScheduleOfCondensedFinancialStatementsTable_251a1489-21e4-4060-855d-4474ea3a7152" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_abc354a8-fb92-44c5-9cdf-335c2261757b" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_srt_ScheduleOfCondensedFinancialStatementsTable_251a1489-21e4-4060-855d-4474ea3a7152" xlink:to="loc_srt_ConsolidatedEntitiesAxis_abc354a8-fb92-44c5-9cdf-335c2261757b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_abc354a8-fb92-44c5-9cdf-335c2261757b_default" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_ConsolidatedEntitiesAxis_abc354a8-fb92-44c5-9cdf-335c2261757b" xlink:to="loc_srt_ConsolidatedEntitiesDomain_abc354a8-fb92-44c5-9cdf-335c2261757b_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_6624394a-9212-439f-a66c-19e82a0fb2cf" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_ConsolidatedEntitiesAxis_abc354a8-fb92-44c5-9cdf-335c2261757b" xlink:to="loc_srt_ConsolidatedEntitiesDomain_6624394a-9212-439f-a66c-19e82a0fb2cf" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ParentCompanyMember_2ea623d1-f855-41d3-884c-b9034ebfc12d" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_ParentCompanyMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ConsolidatedEntitiesDomain_6624394a-9212-439f-a66c-19e82a0fb2cf" xlink:to="loc_srt_ParentCompanyMember_2ea623d1-f855-41d3-884c-b9034ebfc12d" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/IndependentBankCorporationParentCompanyOnlyFinancialInformationStatementsofOperationsDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#IndependentBankCorporationParentCompanyOnlyFinancialInformationStatementsofOperationsDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/IndependentBankCorporationParentCompanyOnlyFinancialInformationStatementsofOperationsDetails" xlink:type="extended" id="i52f903e696604a8996f63b8bc97da220_IndependentBankCorporationParentCompanyOnlyFinancialInformationStatementsofOperationsDetails">
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedFinancialStatementsCaptionsLineItems_e0c9af54-abca-41c3-84bf-f6471477d334" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_CondensedFinancialStatementsCaptionsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementAbstract_8b73c170-5ddf-449a-b850-031bed63be38" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncomeStatementAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedFinancialStatementsCaptionsLineItems_e0c9af54-abca-41c3-84bf-f6471477d334" xlink:to="loc_us-gaap_IncomeStatementAbstract_8b73c170-5ddf-449a-b850-031bed63be38" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingIncomeLossAbstract_3d3880e7-e6ce-42dd-99bc-69c32d11c759" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OperatingIncomeLossAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncomeStatementAbstract_8b73c170-5ddf-449a-b850-031bed63be38" xlink:to="loc_us-gaap_OperatingIncomeLossAbstract_3d3880e7-e6ce-42dd-99bc-69c32d11c759" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_DividendsFromSubsidiary_0e46b055-42a3-4160-9f25-3d73f78c91fd" xlink:href="ibcp-20221231.xsd#ibcp_DividendsFromSubsidiary"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OperatingIncomeLossAbstract_3d3880e7-e6ce-42dd-99bc-69c32d11c759" xlink:to="loc_ibcp_DividendsFromSubsidiary_0e46b055-42a3-4160-9f25-3d73f78c91fd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_18ff50d3-b536-4edb-bed6-e824ed62a87e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OperatingIncomeLossAbstract_3d3880e7-e6ce-42dd-99bc-69c32d11c759" xlink:to="loc_us-gaap_InterestAndDividendIncomeOperating_18ff50d3-b536-4edb-bed6-e824ed62a87e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherOperatingIncome_bc3c4fb4-dc48-4883-83eb-7192e630c266" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherOperatingIncome"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OperatingIncomeLossAbstract_3d3880e7-e6ce-42dd-99bc-69c32d11c759" xlink:to="loc_us-gaap_OtherOperatingIncome_bc3c4fb4-dc48-4883-83eb-7192e630c266" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingIncomeLoss_06d728bf-eeb2-48fc-81d1-f1e131cc5bb7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OperatingIncomeLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OperatingIncomeLossAbstract_3d3880e7-e6ce-42dd-99bc-69c32d11c759" xlink:to="loc_us-gaap_OperatingIncomeLoss_06d728bf-eeb2-48fc-81d1-f1e131cc5bb7" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpensesAbstract_7781c04c-aae9-478d-8416-d73b41c47d2a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OperatingExpensesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncomeStatementAbstract_8b73c170-5ddf-449a-b850-031bed63be38" xlink:to="loc_us-gaap_OperatingExpensesAbstract_7781c04c-aae9-478d-8416-d73b41c47d2a" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpense_1721de3e-fa44-48de-acc4-cc6b941aa7d4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InterestExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OperatingExpensesAbstract_7781c04c-aae9-478d-8416-d73b41c47d2a" xlink:to="loc_us-gaap_InterestExpense_1721de3e-fa44-48de-acc4-cc6b941aa7d4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherGeneralAndAdministrativeExpense_11a30a3f-68a4-491e-b14f-be61110d0074" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherGeneralAndAdministrativeExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OperatingExpensesAbstract_7781c04c-aae9-478d-8416-d73b41c47d2a" xlink:to="loc_us-gaap_OtherGeneralAndAdministrativeExpense_11a30a3f-68a4-491e-b14f-be61110d0074" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpenses_4362acd1-bf78-4f7c-a765-b3a35b4f32ff" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OperatingExpenses"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_OperatingExpensesAbstract_7781c04c-aae9-478d-8416-d73b41c47d2a" xlink:to="loc_us-gaap_OperatingExpenses_4362acd1-bf78-4f7c-a765-b3a35b4f32ff" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_466a5ded-e56b-4e48-84c2-31ad46c8d73d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncomeStatementAbstract_8b73c170-5ddf-449a-b850-031bed63be38" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments_466a5ded-e56b-4e48-84c2-31ad46c8d73d" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_3fbe8b3f-05f5-4631-9ef9-a8fc9376550c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncomeStatementAbstract_8b73c170-5ddf-449a-b850-031bed63be38" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_3fbe8b3f-05f5-4631-9ef9-a8fc9376550c" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_IncomeLossFromContinuingOperationsBeforeEquityInUndistributedNetLossOfSubsidiaries_c6733cfb-2ac0-4e0b-9e6f-a76e67a59e2f" xlink:href="ibcp-20221231.xsd#ibcp_IncomeLossFromContinuingOperationsBeforeEquityInUndistributedNetLossOfSubsidiaries"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncomeStatementAbstract_8b73c170-5ddf-449a-b850-031bed63be38" xlink:to="loc_ibcp_IncomeLossFromContinuingOperationsBeforeEquityInUndistributedNetLossOfSubsidiaries_c6733cfb-2ac0-4e0b-9e6f-a76e67a59e2f" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromEquityMethodInvestments_69e1fde4-72b6-455f-9943-6eaff6dc0182" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncomeLossFromEquityMethodInvestments"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncomeStatementAbstract_8b73c170-5ddf-449a-b850-031bed63be38" xlink:to="loc_us-gaap_IncomeLossFromEquityMethodInvestments_69e1fde4-72b6-455f-9943-6eaff6dc0182" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_5acdfd42-b4e4-4eb5-a30f-85c2102e0beb" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NetIncomeLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncomeStatementAbstract_8b73c170-5ddf-449a-b850-031bed63be38" xlink:to="loc_us-gaap_NetIncomeLoss_5acdfd42-b4e4-4eb5-a30f-85c2102e0beb" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScheduleOfCondensedFinancialStatementsTable_b77b6917-2564-43b0-ace1-42995d7a8659" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_ScheduleOfCondensedFinancialStatementsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_srt_CondensedFinancialStatementsCaptionsLineItems_e0c9af54-abca-41c3-84bf-f6471477d334" xlink:to="loc_srt_ScheduleOfCondensedFinancialStatementsTable_b77b6917-2564-43b0-ace1-42995d7a8659" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_fac86017-532a-4798-8995-3f9738d32eb8" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_srt_ScheduleOfCondensedFinancialStatementsTable_b77b6917-2564-43b0-ace1-42995d7a8659" xlink:to="loc_srt_ConsolidatedEntitiesAxis_fac86017-532a-4798-8995-3f9738d32eb8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_fac86017-532a-4798-8995-3f9738d32eb8_default" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_ConsolidatedEntitiesAxis_fac86017-532a-4798-8995-3f9738d32eb8" xlink:to="loc_srt_ConsolidatedEntitiesDomain_fac86017-532a-4798-8995-3f9738d32eb8_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_321d2b4d-1209-48d4-b534-f31ab6588101" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_ConsolidatedEntitiesAxis_fac86017-532a-4798-8995-3f9738d32eb8" xlink:to="loc_srt_ConsolidatedEntitiesDomain_321d2b4d-1209-48d4-b534-f31ab6588101" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ParentCompanyMember_17b9cf71-e1de-43ea-bc59-862a563b209f" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_ParentCompanyMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ConsolidatedEntitiesDomain_321d2b4d-1209-48d4-b534-f31ab6588101" xlink:to="loc_srt_ParentCompanyMember_17b9cf71-e1de-43ea-bc59-862a563b209f" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/IndependentBankCorporationParentCompanyOnlyFinancialInformationStatementsofCashFlowsDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#IndependentBankCorporationParentCompanyOnlyFinancialInformationStatementsofCashFlowsDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/IndependentBankCorporationParentCompanyOnlyFinancialInformationStatementsofCashFlowsDetails" xlink:type="extended" id="ifbce81d94c4f46069cfa90efefffab39_IndependentBankCorporationParentCompanyOnlyFinancialInformationStatementsofCashFlowsDetails">
    <link:loc xlink:type="locator" xlink:label="loc_srt_CondensedFinancialStatementsCaptionsLineItems_07575364-d035-48db-9a24-d10f25f2ff61" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_CondensedFinancialStatementsCaptionsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfCashFlowsAbstract_a8a4c0a6-5705-4ae9-97e4-f575ccdbe34e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StatementOfCashFlowsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_CondensedFinancialStatementsCaptionsLineItems_07575364-d035-48db-9a24-d10f25f2ff61" xlink:to="loc_us-gaap_StatementOfCashFlowsAbstract_a8a4c0a6-5705-4ae9-97e4-f575ccdbe34e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_e3d25c7e-62e0-472d-8ae9-08109998170c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NetIncomeLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_a8a4c0a6-5705-4ae9-97e4-f575ccdbe34e" xlink:to="loc_us-gaap_NetIncomeLoss_e3d25c7e-62e0-472d-8ae9-08109998170c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_4e4d8627-b01c-44ce-bb8f-7fd2bd1829f8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_a8a4c0a6-5705-4ae9-97e4-f575ccdbe34e" xlink:to="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_4e4d8627-b01c-44ce-bb8f-7fd2bd1829f8" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInDeferredIncomeTaxes_454e04e5-5215-4645-9219-75912db4ca4a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncreaseDecreaseInDeferredIncomeTaxes"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_4e4d8627-b01c-44ce-bb8f-7fd2bd1829f8" xlink:to="loc_us-gaap_IncreaseDecreaseInDeferredIncomeTaxes_454e04e5-5215-4645-9219-75912db4ca4a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation_f582dcfc-79b6-4d8b-a63c-05d23ef9ff81" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ShareBasedCompensation"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_4e4d8627-b01c-44ce-bb8f-7fd2bd1829f8" xlink:to="loc_us-gaap_ShareBasedCompensation_f582dcfc-79b6-4d8b-a63c-05d23ef9ff81" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccretionExpense_709f6a4e-32a8-426f-8556-74bbcb2a0868" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AccretionExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_4e4d8627-b01c-44ce-bb8f-7fd2bd1829f8" xlink:to="loc_us-gaap_AccretionExpense_709f6a4e-32a8-426f-8556-74bbcb2a0868" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_f254abc7-1258-4294-9b07-190d23e98997" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_4e4d8627-b01c-44ce-bb8f-7fd2bd1829f8" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_f254abc7-1258-4294-9b07-190d23e98997" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities_94b9e4a2-a293-4a2f-8bb8-b22b732b73fb" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_4e4d8627-b01c-44ce-bb8f-7fd2bd1829f8" xlink:to="loc_us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities_94b9e4a2-a293-4a2f-8bb8-b22b732b73fb" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromEquityMethodInvestmentsNetOfDividendsOrDistributions_f072e85d-cb9c-4120-a879-b9942916d7ed" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncomeLossFromEquityMethodInvestmentsNetOfDividendsOrDistributions"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_4e4d8627-b01c-44ce-bb8f-7fd2bd1829f8" xlink:to="loc_us-gaap_IncomeLossFromEquityMethodInvestmentsNetOfDividendsOrDistributions_f072e85d-cb9c-4120-a879-b9942916d7ed" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_4f128997-e969-4b97-895c-f3fcb8d1abf8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_4e4d8627-b01c-44ce-bb8f-7fd2bd1829f8" xlink:to="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities_4f128997-e969-4b97-895c-f3fcb8d1abf8" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_2ae5a6d8-6050-4c87-8ad6-0bfc3f89a9d7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_a8a4c0a6-5705-4ae9-97e4-f575ccdbe34e" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_2ae5a6d8-6050-4c87-8ad6-0bfc3f89a9d7" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_15def122-3953-4e9b-9e94-c2a180ec752c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_a8a4c0a6-5705-4ae9-97e4-f575ccdbe34e" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_15def122-3953-4e9b-9e94-c2a180ec752c" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_PaymentsForInInterestBearingDepositsInBanksTime_5f1ecfe6-6f42-4e3c-8f68-3d7f25f76e48" xlink:href="ibcp-20221231.xsd#ibcp_PaymentsForInInterestBearingDepositsInBanksTime"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_15def122-3953-4e9b-9e94-c2a180ec752c" xlink:to="loc_ibcp_PaymentsForInInterestBearingDepositsInBanksTime_5f1ecfe6-6f42-4e3c-8f68-3d7f25f76e48" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromPaymentsForInInterestBearingDepositsInBanks_5d5f169a-cd8b-448a-ba2a-9f7525be0d80" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ProceedsFromPaymentsForInInterestBearingDepositsInBanks"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_15def122-3953-4e9b-9e94-c2a180ec752c" xlink:to="loc_us-gaap_ProceedsFromPaymentsForInInterestBearingDepositsInBanks_5d5f169a-cd8b-448a-ba2a-9f7525be0d80" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_b911adda-0c4b-4ba4-a3bf-4951b28ec49d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_15def122-3953-4e9b-9e94-c2a180ec752c" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_b911adda-0c4b-4ba4-a3bf-4951b28ec49d" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_14410733-1fb1-4eb8-a3e8-ec32f83c7cb8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_a8a4c0a6-5705-4ae9-97e4-f575ccdbe34e" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_14410733-1fb1-4eb8-a3e8-ec32f83c7cb8" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfSubordinatedLongTermDebt_a41d8e4b-a62e-4d4d-a689-5005e86cf8c7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ProceedsFromIssuanceOfSubordinatedLongTermDebt"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_14410733-1fb1-4eb8-a3e8-ec32f83c7cb8" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfSubordinatedLongTermDebt_a41d8e4b-a62e-4d4d-a689-5005e86cf8c7" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividends_81fe671d-2667-4add-b2d1-5059b055d1bc" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PaymentsOfDividends"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_14410733-1fb1-4eb8-a3e8-ec32f83c7cb8" xlink:to="loc_us-gaap_PaymentsOfDividends_81fe671d-2667-4add-b2d1-5059b055d1bc" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfCommonStock_1eb91947-2446-4e34-af1a-004e7d1ff1eb" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ProceedsFromIssuanceOfCommonStock"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_14410733-1fb1-4eb8-a3e8-ec32f83c7cb8" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfCommonStock_1eb91947-2446-4e34-af1a-004e7d1ff1eb" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_7f5db93e-0bf7-4cac-9f5b-e2003e2e638d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_14410733-1fb1-4eb8-a3e8-ec32f83c7cb8" xlink:to="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_7f5db93e-0bf7-4cac-9f5b-e2003e2e638d" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_c672456f-de4e-49e8-9f56-7c5b0a47578a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_14410733-1fb1-4eb8-a3e8-ec32f83c7cb8" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_c672456f-de4e-49e8-9f56-7c5b0a47578a" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_4d00f7e5-e3ed-4fdb-914d-d52a71ba1951" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_14410733-1fb1-4eb8-a3e8-ec32f83c7cb8" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_4d00f7e5-e3ed-4fdb-914d-d52a71ba1951" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect_bfd0d70a-f590-4c03-a18d-a55412777181" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_a8a4c0a6-5705-4ae9-97e4-f575ccdbe34e" xlink:to="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect_bfd0d70a-f590-4c03-a18d-a55412777181" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_db423774-a1d6-47d1-aef5-8a71baeeaa48" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract_a8a4c0a6-5705-4ae9-97e4-f575ccdbe34e" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_db423774-a1d6-47d1-aef5-8a71baeeaa48" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_f0207e6c-74b8-42e3-9422-57fba0eec83e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScheduleOfCondensedFinancialStatementsTable_a0f5887e-efe0-4660-8a43-dc9fa5b4666c" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_ScheduleOfCondensedFinancialStatementsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_srt_CondensedFinancialStatementsCaptionsLineItems_07575364-d035-48db-9a24-d10f25f2ff61" xlink:to="loc_srt_ScheduleOfCondensedFinancialStatementsTable_a0f5887e-efe0-4660-8a43-dc9fa5b4666c" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis_a21200d9-05d5-464d-abc0-f5926cbfc362" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_srt_ScheduleOfCondensedFinancialStatementsTable_a0f5887e-efe0-4660-8a43-dc9fa5b4666c" xlink:to="loc_srt_ConsolidatedEntitiesAxis_a21200d9-05d5-464d-abc0-f5926cbfc362" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_a21200d9-05d5-464d-abc0-f5926cbfc362_default" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_ConsolidatedEntitiesAxis_a21200d9-05d5-464d-abc0-f5926cbfc362" xlink:to="loc_srt_ConsolidatedEntitiesDomain_a21200d9-05d5-464d-abc0-f5926cbfc362_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain_677d951c-5d50-40d2-b1a0-c460452c0cf4" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_ConsolidatedEntitiesAxis_a21200d9-05d5-464d-abc0-f5926cbfc362" xlink:to="loc_srt_ConsolidatedEntitiesDomain_677d951c-5d50-40d2-b1a0-c460452c0cf4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ParentCompanyMember_6cfb16ba-4bdd-4a55-b027-697cdf20b2f4" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_ParentCompanyMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ConsolidatedEntitiesDomain_677d951c-5d50-40d2-b1a0-c460452c0cf4" xlink:to="loc_srt_ParentCompanyMember_6cfb16ba-4bdd-4a55-b027-697cdf20b2f4" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://independentbank.com/role/RevenueFromContractsWithCustomersDisaggregationofRevenueDetails" xlink:type="simple" xlink:href="ibcp-20221231.xsd#RevenueFromContractsWithCustomersDisaggregationofRevenueDetails"/>
  <link:definitionLink xlink:role="http://independentbank.com/role/RevenueFromContractsWithCustomersDisaggregationofRevenueDetails" xlink:type="extended" id="i640782d1c669487782be98a588a8b57f_RevenueFromContractsWithCustomersDisaggregationofRevenueDetails">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueLineItems_86c47154-08bf-4159-ad93-605c2c73e8c3" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DisaggregationOfRevenueLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueAbstract_b7488917-ef1b-449c-9d5b-6a5199b427b3" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DisaggregationOfRevenueAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_86c47154-08bf-4159-ad93-605c2c73e8c3" xlink:to="loc_us-gaap_DisaggregationOfRevenueAbstract_b7488917-ef1b-449c-9d5b-6a5199b427b3" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_9296927c-d2bd-485f-a52a-40c08c24743e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DisaggregationOfRevenueAbstract_b7488917-ef1b-449c-9d5b-6a5199b427b3" xlink:to="loc_us-gaap_RevenueFromContractWithCustomerExcludingAssessedTax_9296927c-d2bd-485f-a52a-40c08c24743e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankOwnedLifeInsuranceIncome_9abccce5-24ea-4a0f-9680-b4754646e577" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_BankOwnedLifeInsuranceIncome"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DisaggregationOfRevenueAbstract_b7488917-ef1b-449c-9d5b-6a5199b427b3" xlink:to="loc_us-gaap_BankOwnedLifeInsuranceIncome_9abccce5-24ea-4a0f-9680-b4754646e577" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_NoninterestIncomeOtherOperatingIncomeOther_e345d5e9-10c2-45c6-876d-6558b8adac8f" xlink:href="ibcp-20221231.xsd#ibcp_NoninterestIncomeOtherOperatingIncomeOther"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DisaggregationOfRevenueAbstract_b7488917-ef1b-449c-9d5b-6a5199b427b3" xlink:to="loc_ibcp_NoninterestIncomeOtherOperatingIncomeOther_e345d5e9-10c2-45c6-876d-6558b8adac8f" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_043cd2fe-c6a9-49b5-899d-ab157373f550" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DisaggregationOfRevenueAbstract_b7488917-ef1b-449c-9d5b-6a5199b427b3" xlink:to="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_043cd2fe-c6a9-49b5-899d-ab157373f550" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisaggregationOfRevenueTable_82cd3df1-254c-426a-9e39-0f969c3bbc58" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DisaggregationOfRevenueTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DisaggregationOfRevenueLineItems_86c47154-08bf-4159-ad93-605c2c73e8c3" xlink:to="loc_us-gaap_DisaggregationOfRevenueTable_82cd3df1-254c-426a-9e39-0f969c3bbc58" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductOrServiceAxis_2931aecf-a924-4683-bdd0-edd53ebd68d2" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_ProductOrServiceAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_82cd3df1-254c-426a-9e39-0f969c3bbc58" xlink:to="loc_srt_ProductOrServiceAxis_2931aecf-a924-4683-bdd0-edd53ebd68d2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductsAndServicesDomain_2931aecf-a924-4683-bdd0-edd53ebd68d2_default" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_ProductsAndServicesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_ProductOrServiceAxis_2931aecf-a924-4683-bdd0-edd53ebd68d2" xlink:to="loc_srt_ProductsAndServicesDomain_2931aecf-a924-4683-bdd0-edd53ebd68d2_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductsAndServicesDomain_23dd4ded-7c27-453a-a0a7-8871cdf4ed5e" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_ProductsAndServicesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_ProductOrServiceAxis_2931aecf-a924-4683-bdd0-edd53ebd68d2" xlink:to="loc_srt_ProductsAndServicesDomain_23dd4ded-7c27-453a-a0a7-8871cdf4ed5e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ServiceChargesOnDepositsMember_d123b0ce-38a7-4826-b439-2e6f4a38fd6f" xlink:href="ibcp-20221231.xsd#ibcp_ServiceChargesOnDepositsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ProductsAndServicesDomain_23dd4ded-7c27-453a-a0a7-8871cdf4ed5e" xlink:to="loc_ibcp_ServiceChargesOnDepositsMember_d123b0ce-38a7-4826-b439-2e6f4a38fd6f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_OverdraftFeesMember_13d87be4-1fb0-4846-af98-46a5f91b9cda" xlink:href="ibcp-20221231.xsd#ibcp_OverdraftFeesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_ServiceChargesOnDepositsMember_d123b0ce-38a7-4826-b439-2e6f4a38fd6f" xlink:to="loc_ibcp_OverdraftFeesMember_13d87be4-1fb0-4846-af98-46a5f91b9cda" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_AccountServiceChargesMember_2f7b6238-bbc0-4471-83c7-9e4f695cb4fc" xlink:href="ibcp-20221231.xsd#ibcp_AccountServiceChargesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_ServiceChargesOnDepositsMember_d123b0ce-38a7-4826-b439-2e6f4a38fd6f" xlink:to="loc_ibcp_AccountServiceChargesMember_2f7b6238-bbc0-4471-83c7-9e4f695cb4fc" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_OtherDepositRelatedIncomeMember_b7a66281-f626-47eb-8837-aeb1bdb54536" xlink:href="ibcp-20221231.xsd#ibcp_OtherDepositRelatedIncomeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ProductsAndServicesDomain_23dd4ded-7c27-453a-a0a7-8871cdf4ed5e" xlink:to="loc_ibcp_OtherDepositRelatedIncomeMember_b7a66281-f626-47eb-8837-aeb1bdb54536" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_ATMFeesMember_5ec0af07-c4fe-408c-9c7c-d8782dd33c35" xlink:href="ibcp-20221231.xsd#ibcp_ATMFeesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_OtherDepositRelatedIncomeMember_b7a66281-f626-47eb-8837-aeb1bdb54536" xlink:to="loc_ibcp_ATMFeesMember_5ec0af07-c4fe-408c-9c7c-d8782dd33c35" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_OtherMember_c8a8cdbf-9841-4d3a-9834-170f688b432e" xlink:href="ibcp-20221231.xsd#ibcp_OtherMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_OtherDepositRelatedIncomeMember_b7a66281-f626-47eb-8837-aeb1bdb54536" xlink:to="loc_ibcp_OtherMember_c8a8cdbf-9841-4d3a-9834-170f688b432e" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InterchangeIncomeMember_45f9ea03-f8ce-4fa5-a388-c178d262bd86" xlink:href="ibcp-20221231.xsd#ibcp_InterchangeIncomeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ProductsAndServicesDomain_23dd4ded-7c27-453a-a0a7-8871cdf4ed5e" xlink:to="loc_ibcp_InterchangeIncomeMember_45f9ea03-f8ce-4fa5-a388-c178d262bd86" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_InvestmentAndInsuranceCommissionsMember_b2b0ddcb-3ae7-410a-a45a-22e5a34993d1" xlink:href="ibcp-20221231.xsd#ibcp_InvestmentAndInsuranceCommissionsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ProductsAndServicesDomain_23dd4ded-7c27-453a-a0a7-8871cdf4ed5e" xlink:to="loc_ibcp_InvestmentAndInsuranceCommissionsMember_b2b0ddcb-3ae7-410a-a45a-22e5a34993d1" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_AssetManagementRevenueMember_eec6fea0-0c6b-42a6-aa7c-aad90964e33e" xlink:href="ibcp-20221231.xsd#ibcp_AssetManagementRevenueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_InvestmentAndInsuranceCommissionsMember_b2b0ddcb-3ae7-410a-a45a-22e5a34993d1" xlink:to="loc_ibcp_AssetManagementRevenueMember_eec6fea0-0c6b-42a6-aa7c-aad90964e33e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_TransactionBasedRevenueMember_f16ba176-f197-4cb1-a5ee-1533a6fc45c7" xlink:href="ibcp-20221231.xsd#ibcp_TransactionBasedRevenueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ibcp_InvestmentAndInsuranceCommissionsMember_b2b0ddcb-3ae7-410a-a45a-22e5a34993d1" xlink:to="loc_ibcp_TransactionBasedRevenueMember_f16ba176-f197-4cb1-a5ee-1533a6fc45c7" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MajorCustomersAxis_3a272fd1-955d-43b6-94b9-7eb297d40d16" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_MajorCustomersAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DisaggregationOfRevenueTable_82cd3df1-254c-426a-9e39-0f969c3bbc58" xlink:to="loc_srt_MajorCustomersAxis_3a272fd1-955d-43b6-94b9-7eb297d40d16" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_NameOfMajorCustomerDomain_3a272fd1-955d-43b6-94b9-7eb297d40d16_default" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_NameOfMajorCustomerDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_MajorCustomersAxis_3a272fd1-955d-43b6-94b9-7eb297d40d16" xlink:to="loc_srt_NameOfMajorCustomerDomain_3a272fd1-955d-43b6-94b9-7eb297d40d16_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_NameOfMajorCustomerDomain_e80fe425-8cb1-40ad-872a-fa1e577085b8" xlink:href="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd#srt_NameOfMajorCustomerDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_MajorCustomersAxis_3a272fd1-955d-43b6-94b9-7eb297d40d16" xlink:to="loc_srt_NameOfMajorCustomerDomain_e80fe425-8cb1-40ad-872a-fa1e577085b8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CustomerRetailMember_40505c00-c1de-42c9-9d8e-4719c91409c8" xlink:href="ibcp-20221231.xsd#ibcp_CustomerRetailMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_NameOfMajorCustomerDomain_e80fe425-8cb1-40ad-872a-fa1e577085b8" xlink:to="loc_ibcp_CustomerRetailMember_40505c00-c1de-42c9-9d8e-4719c91409c8" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ibcp_CustomerBusinessMember_ac72417a-01b2-45fb-8e7e-df5b2964e0d4" xlink:href="ibcp-20221231.xsd#ibcp_CustomerBusinessMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_NameOfMajorCustomerDomain_e80fe425-8cb1-40ad-872a-fa1e577085b8" xlink:to="loc_ibcp_CustomerBusinessMember_ac72417a-01b2-45fb-8e7e-df5b2964e0d4" xlink:type="arc" order="1"/>
  </link:definitionLink>
</link:linkbase>
