Regulations & Policies
First National Bank of Michigan prides itself on adhering to all applicable regulations and policies because it is the right thing to do, not just our obligation.
If you have any concerns or questions, please contact us.
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security Number.
- Payment history.
- Transaction history.
- Credit history.
- Checking account information.
- Employment information.
When you are no longer our customer, we continue to share your information as described in this notice.
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons First National Bank of Michigan chooses to share; and, whether you can limit this sharing.
Reasons we can share your personal information
For our everyday business purposes
Such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus: FNBM does share this information, you cannot limit this sharing,
For our marketing purposes
To offer our products and services to you: we don’t share this information.
For joint marketing with other financial companies
We don’t share this information.
For our affiliates’ everyday business purposes
Information about your transactions and experiences: we don’t share this information.
For our affiliates’ everyday business purposes
Information about your creditworthiness: we don’t share this information.
For non-affiliates to market to you
We don’t share this information.
Questions? Call 269.349.0100.
What we do
How does First National Bank of Michigan protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does First National Bank of Michigan collect my personal information?
We collect your personal information, for example, when you:
- Open an account.
- Provide employment information.
- Apply for financing.
- Give us your contact information.
- Give us your wage statements.
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit my sharing?
Federal law gives you the right to limit only:
- Sharing for affiliates’ everyday business purposes – information about your creditworthiness.
- Affiliates from using your information to market to you.
- Sharing for non-affiliates to market to you.
State laws and individual companies may give you additional rights to limit sharing.
Companies related by common ownership or control. They can be financial and non-financial companies.
First National Bank of Michigan has no affiliates.
Companies not related by common ownership or control. They can be financial and non-financial companies.
First National Bank of Michigan does not share with non-affiliates so they can market to you.
A formal agreement between non-affiliated financial companies that together market financial products or services to you.
First National Bank of Michigan doesn’t jointly market.
To limit our sharing
If you are a new customer, we can begin sharing your information 30 days from the date we provided or sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing. Call 269.349.0100.
First National Bank of Michigan values its customers’ privacy. We intend to protect your confidential information using state-of-the-art measures. We never lose sight of the fact that our customer’s trust is our most treasured asset. Here private means private. Please know that our corporate focus is the protection of your privacy in your dealings with us.
OPT-OUT: We will not share your non-public personal information with others as defined below. First National Bank of Michigan, on your behalf, has exercised your right to opt out under 12 CFR Part 40, Privacy of Consumer Financial Information.
Collection of Non-public Personal Information: Information about our customers and our former customers is collected from a variety of sources. It is gathered from applications you provide to us and our affiliate(s) for our products and services. It is gathered from the information we receive from processing your accounts and the transactions in those accounts such as deposit accounts and loans. We receive information from credit bureaus. We also confirm the information you have provided to us for evaluating loans with those third parties you have named.
Categories of Nonpublic Personal Information the Bank Discloses: We do not reveal specific information about your accounts or other personally identifiable data to parties outside our bank or our financial affiliate(s) for their independent use unless 1) you request or authorize it; 2) the information is provided to help complete a transaction initiated by you; 3) the information is provided to a reputable credit bureau or similar information reporting agency; 4) the disclosure otherwise is lawfully permitted or required; 5) it is used to determine whether a loan that you have initiated is saleable in the secondary market; 6) we are disclosing information we receive from processing your accounts, (for example, if there are sufficient funds in the account to pay a check you have written). We do not provide any information about former customers unless we are legally required to do so. We do not provide account or personal information to any company for independent telemarketing or direct mail marketing of any products or services.
Protection of Information and Security Measures: We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
Maintenance of Accurate Information: First National Bank of Michigan has procedures to ensure that your financial information is accurate, current and complete, and in keeping with reasonable commercial standards. We will respond promptly to requests to correct inaccurate information.
First National Bank of Michigan does not specifically target its services at individuals in the EU nor does it contemplate offering services to data subjects in any of the member states in the EU; thereby, exempting First National Bank of Michigan from the requirements of the GDPR.
At First National Bank of Michigan, we value our customer relationships. We want you to understand how we use the information you provide and our commitment to your privacy. If you have any questions about how we protect your confidential information, please call 269.349.0100.
Copyrights & trademarks: The contents, logotypes, trademarks, and service marks shown on this website are the property of First National Bank of Michigan and other respective parties unless otherwise indicated, and are protected by copyright and trademark laws. All rights are reserved by First National Bank of Michigan. The content of this website may not be reproduced, downloaded, published, disseminated, or transferred without prior written permission from First National Bank of Michigan.
Availability of products and services: The products and services displayed on the website are available only in the United States and other countries where permitted by law. Products and services may not be available in all geographic areas and are subject to change without notice.
Links to third-party internet sites: This website may contain links to other websites operated by third parties. First National Bank of Michigan provides these links as a service to users. These sites are not under the control of First National Bank of Michigan or its parent company, First National Bancorp, Inc., and First National Bank of Michigan is not responsible for the content available on any third-party sites. These links do not imply our approval or endorsement of the material on any linked site. It is the user’s responsibility to take necessary precautions to ensure that material selected from such sites is absent of such items as “worms”, viruses, “Trojan horses” and other destructive items. First National Bank of Michigan is not responsible and disclaims all liability for, damages arising out of the use of such linked sites, reference to, reliance on, or information contained therein in any form.
Calculators and tools: This website may contain calculators and other tools. First National Bank of Michigan provides these tools and calculators solely as a service for educational purposes. We do not guarantee the functional accuracy of these calculators or other tools. First National Bank of Michigan is not responsible for and disclaims all liability for, damages of any kind resulting from the use of such calculators and other tools.
No warranties: Use of this website and its contents are at the user’s sole risk. First National Bank of Michigan assumes no responsibility for consequences from the use of the information contained on this website in any respect, including, but not limited to, errors or omissions, delays, the accuracy or sensibleness of information, the derogatory nature of statements, ownership of copyright or other intellectual property rights, and the violation of property, privacy or personal rights of others. We are not responsible for, and specifically disclaim all liability for, damages of any kind resulting from the use, reference, or reliance on such information. INFORMATION ON THIS SITE IS OFFERED “AS IS” WITHOUT GUARANTEE OF ANY KIND, EITHER STATED OR IMPLIED, INCLUDING WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. IN NO EVENT WILL FIRST NATIONAL BANK OF MICHIGAN OR ITS PARENT COMPANY, AFFILIATES, CONTRACTORS, OR THEIR RESPECTIVE EMPLOYEES BE LIABLE UNDER ANY CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR, OTHER CLAIM FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM THE USE OF OR THE INABILITY TO USE THIS WEBSITE, ITS CONTENT OR ANY PRODUCTS OR SERVICES, OR PERFORMANCE FAILURE, ERROR, OMISSION, INTERRUPTION, EFFECT, DELAY IN OPERATION OR TRANSMISSION, VIRUSES, SYSTEM FAILURE, LOSS OF DATA, OR LOSS OF USE RELATED TO THIS WEBSITE OR ANY LINKED WEBSITE OPERATED BY THIRD PARTIES.
Governing law: You agree that disputes arising out of or relating to the contents or use of this website are to be governed by the laws of the State of Michigan, United States of America. You consent to the exclusive jurisdiction of courts sitting in the State of Michigan in all disputes stemming from or relating to the contents or use of this website.
General: If any part of this agreement is determined to be unenforceable by a court of competent jurisdiction, the unenforceable portion will be changed by the court only to the extent necessary to make such portion enforceable, and the remainder of the agreement shall continue in full force and effect. This accord constitutes the entire website-use agreement between you and First National Bank of Michigan and supersedes all prior or existing communications, whether oral, written, or, electronic, between you and First National Bank of Michigan in regards to this website. A printed version of this agreement shall be admissible in judicial or administrative proceedings relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.
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 wager 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 processed 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
Products/services shown on this website are subject to availability. Equal Opportunity Lender. Certain restrictions apply to products offered on this website. Ask an FNBM representative for full details.