Cash Management

Remote Capture

Remote Capture allows our business customers to make deposits without leaving the office. This secure feature that allows you to make a deposit at any time of day, any day of the week. Deposits will post to your account during our regular business hours. Remote Capture is perfect for businesses that typically process many checks daily. Call your banker to learn how Remote Capture can work for your business.

Lockbox Services

Accelerate the process of converting accounts receivable into cash with FNBM's Lockbox Services. We can completely customized the service to meet your specific needs and import it into many accounting systems, making it less costly and burdensome on your staff.


First National Bank of Michigan provides flexible options for originating Automated Clearing House (ACH) entries along with expert staff to assist in the implementation and ongoing support of your program. We can assist your organization with both the technical and practical aspects of using the ACH network. Whether you leverage your own in-house capabilities or engage a third-party processor, some benefits you may receive by integrating ACH into your disbursement strategy include:

  • More predictable settlement and cash flow
  • Reduced lost check and fraud expense
  • Increased payee satisfaction through prompt payment

Direct Deposit allows you to automatically deposit funds into an employee's bank account via the Automated Clearing House (ACH) network. Direct deposit can also be used to disburse employee expense reimbursements, pension or annuity payments and shareholder dividends.

Online Banking & Bill Pay

View your account activity and make payment any time of day with online banking and bill pay.

Credit Sweep

For automated daily Line of Credit advances or paydowns, FNBM offers Credit Sweep.

Pay Portal

First National Bank of Michigan's Pay Portal allows you to collect payments through your website and deposit the funds into your account.

Positive Pay

Through Positive Pay, you simply transmit issue data to First National Bank of Michigan when your company issues checks. Positive Pay complements the internal security measures you employ to protect against unauthorized checks being paid. When items are presented for payment, our matching and validation process allows us to quickly identify checks that are inconsistent with the data provided. Digitized images of exception items are provided online to enhance your pay/return decision making.

Managing Your Stress

We have simple solutions for cash management needs.