Web Security


Be careful online! Click Here for basic online security . The US government has also developed a site with similar information Click Here for that site.

E-MAIL Reminder. Sending an unprotected e-mail is like sending a post card. Anybody with the right tools can see an unprotected e-mail message. If you don't know how to send an encrypted e-mail, you should use alternatives for your confidential information. Alternatives include faxes, US mail or hand delivery.

FDIC Insurance Update


Notice of Changes In Temporary FDIC Insurance Coverage For Transactional Accounts

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.


Business Account Service Charges


An earnings credit allowance can be used only to offset service charges. An earnings allowance credit will be applied to your average monthly collected balance (less reserves required by law). FDIC insurance premium may be assessed monthly per $1,000 of average ledger balance. Premium is based on FDIC-mandated rate adjustments and may change from time to time; currently 0%.

Products/services shown on this web site are subject to availability. Equal Opportunity Lender. © – FNBM 1/12. Certain restrictions apply to products offered on this web site. Ask a FNBM representative for full details.


Internet Gambling Prohibition


Internet Gambling – The Unlawful Internet Gambling Act of 2006
The UIGEA, signed into law in 2006, prohibits any person engaged in the business of betting or wagering (as defined by the act) from knowingly accepting payments in connection with the participation of another person in unlawful internet gambling. The Department of Treasury and the Federal Reserve Board have issued a joint final rule, Regulation GG, to implement this Act. Banks are required to comply with this Act beginning December 1, 2009 As defined by Regulation GG, unlawful internet gambling means to "place, receive or otherwise knowingly transmit a bet or wage by means which involves the use, at least in part, of the internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received or otherwise made".
As a customer of First National Bank of Michigan you should be aware of the following:
Restricted transactions are prohibited from being process through your account or banking relationship with us.
If you engage in an Internet Gambling business, we will not open or maintain a commercial account with you.


Click Here For copy of the First National Bank of Michigan Privacy Policy. Click Here For the First National Bank of Michigan Site Terms of Use.

PLEASE NOTE: Products/services shown on this web site are subject to availability. Equal Opportunity Lender. © – FNBM 1/12. Certain restrictions apply to products offered on this web site. Ask a FNBM representative for full details.