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One-Close Construction Loans
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One-Close Construction Loans

If you're planning to build a new home and want a smooth, cost-effective financing solution, our One-Close Home Construction Loan may be the ideal choice.

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Banking That Fits Your Needs

The FNBM Difference Working for You

We believe in local leadership and local decision making.

We understand that direct access to your banker is important.

We know the importance of giving back to our community.

Learn more about why First National Bank of Michigan is right for you.

FNBM in Action

Maximize Your FDIC Insurance Without Managing Multiple Banks
If you have substantial cash balances, protecting your deposits while keeping your banking simple can be a challenge. Fortunately, IntraFi® Cash Service® (ICS®) and Certificate of Deposit Account Registry Service® (CDARS®) make it possible to access multi-million-dollar FDIC insurance all while working directly with First National Bank of Michigan. What Are ICS and CDARS? Both …
Business Email Compromise: A Growing Threat to Businesses
Cybercriminals are becoming increasingly sophisticated, and one of the most damaging scams targeting businesses today is Business Email Compromise (BEC). These attacks rely on deception—not malware—to convince employees to send money or sensitive information to fraudsters. In a typical BEC scam, criminals pose as a trusted executive, vendor, customer, or business partner using a spoofed …