This document describes an immersed boundary method for modeling bank retreat in Delft3D. The method uses a Cartesian grid to represent migrating bank lines without interpolating cell data or deforming the grid. Details of the numerical approach are presented, including cut-cell treatment for continuity equations and ghost cell treatment for momentum equations. Results are shown for test cases including an annular geometry and Friedkin river erosion test, demonstrating the ability to model bank migration. Next steps include making the method available in the open-source Delft3D code and improving the flooding and drying algorithm.