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Online Banking

NetTeller and My NetTeller FAQs

To help ensure your online banking experience is easy and convenient, below are answers to some frequently asked questions. If you have additional questions, please visit or call one of our local branches. Our staff is happy to assist you.

What is NetTeller banking?
NetTeller is a tool First National Bank of Michigan offers its customers to enable them to access their banking accounts online. Via the Internet, NetTeller gives you the ability to receive balance information, perform account transfers and statement retrievals, download account history and transactions, stop payments, and more.

What is My NetTeller?
My NetTeller allows you to build your own, personalized online banking homepage. It is not a replacement for your existing online banking pages, but rather, serves as a dashboard for your First National Bank of Michigan accounts. With My NetTeller, you can organize and display the functions you use most on a single screen. Click here for a guide on how to use and benefit from My NetTeller.

Does NetTeller or My NetTeller cost anything?
No. Online banking is free with any personal or business account at First National Bank of Michigan.

Which of my accounts can be accessed via NetTeller?
With NetTeller, you can access your checking accounts, savings accounts, money market accounts, certificates of deposit (CDs), individual retirement accounts (IRAs), loans and lines of credit.

How do I get started on NetTeller?
We recommend viewing NetTeller with the most current releases of Internet Explorer, Firefox, Safari or Chrome. Using older browsers may result in limited access to services, disabled functionality or diminished security. Please visit a First National Bank of Michigan branch and we will assign you your initial NetTeller ID and password to use when you sign into the system for the first time. Once you sign into NetTeller, you will be prompted to change your password. Remember, NEVER SHARE your password.

Will you help protect my banking information?
Yes. First National Bank of Michigan follows strict standards to protect your online banking information. A few of the standards we follow are listed below:

  • Your banking information will never travel the Internet without encryption protection.
  • Login sessions have a time-out limit. Once you reach this limit, you will be required to login again.
  • NetTeller password guessing is impeded and reported.

For added peace of mind, we are continuously developing and implementing security enhancements to our online banking system.

What should I do to protect my account and personal information when I’m banking online?

  • Memorize your password. Your NetTeller ID and password authenticates you when you begin an online banking session with First National Bank of Michigan. You should change your NetTeller password regularly for added security.
  • NEVER use the “save password” option on your computer.
  • NEVER write down your password or reveal it to anyone.
  • Log-off of online banking by clicking on “Exit” in the top, right-hand corner. (Keep in mind: When you bank online, you might not always be at your computer. That’s why it’s important to log off by clicking “Exit” whenever you’re finished banking or if you leave the room for a few moments.) For your protection, First National Bank of Michigan will automatically log you off after 10 minutes of inactivity.
  • Make use of the built-in security features of your browser. Selecting certain security settings and options will help protect your privacy and the privacy of your accounts.
  • If you feel your online NetTeller ID or password has been stolen or compromised, contact us right away.

What should I do if I forget my NetTeller ID or password?
Contact First National Bank of Michigan and our staff would be happy to assist you. After we properly identify you, we will give you instructions regarding your NetTeller ID or password. You can also set up a secure password retrieval process.

From which accounts can I transfer funds through NetTeller?
You may transfer funds from a savings, checking, money market account, or line of credit to a loan, line of credit, savings, checking, or money market account. CDs and IRAs only have viewing capabilities.

How late in the evening can I make transfers?
The transfer cut-off time is 5 p.m.EST, Monday through Friday, and does not include holidays or bank-declared holidays.

If I get an error message during the transfer, what should I do?
Before immediately “reloading” the transfer, check the account the transfer was drawn on, and then check the account status of the account to which the funds were transferred. If no debits or credits appear on your accounts, the transfer was incomplete. Only then should you "reload" the transfer.

How current is the account information I access through NetTeller?
Account information is “real time.” When transfers are made online, the debit and credit will appear in each account once a confirmation number is given by the system. If you make a withdrawal at an automated teller machine (ATM) or use a debit card, the information is posted to your account as soon as First National Bank of Michigan receives the data from either the ATM vendor or merchant.

If I open a new First National Bank of Michigan account, when can I start using NetTeller for that account?
If you registered for NetTeller when you opened your account, you’ll be able to access your information the next business day.

Can I download my account information into financial management software?
Yes. You can download your account information to Quicken, QuickBooks or a spreadsheet program like Excel. The information may also be saved as text and exported to your favorite word-processing software.

How much history is available to view?
NetTeller includes 60 days of transaction history and 12 months of statement history.