At First National Bank of Michigan (FNBM), keeping your money secure is our top priority. One of the most important ways we do that is through FDIC insurance — a federal protection that gives you peace of mind, knowing your deposits are safe no matter what happens. What Is FDIC Insurance? The Federal Deposit Insurance … Continue reading

Your home is likely one of your most important investments — and unfortunately, it’s becoming a growing target for scammers. Home title fraud is a serious crime that can go unnoticed until it’s too late. At First National Bank of Michigan (FNBM), we want to help you recognize the warning signs and protect your property. … Continue reading

At First National Bank of Michigan (FNBM), protecting your money is more than a promise — it’s our priority. Through the Insured Cash Sweep (ICS®) and Certificate of Deposit Account Registry Service (CDARS®) programs, you can enjoy access to multi-million-dollar FDIC insurance coverage while continuing to work directly with your trusted local bank.

For many small business owners, the company represents years of hard work, personal investment, and community connection. Yet, one critical factor that often gets overlooked is what happens when the owner steps away — whether through retirement, illness, or unexpected circumstances. That’s where a succession plan becomes essential. A succession plan outlines how leadership and … Continue reading

Why You Should Choose Digital Bills and Statements Over Mailed Copies If you’re still receiving paper statements from your utility providers, credit card companies, or insurance agencies, it might be time to rethink your approach. While “go paperless” may sound like a trendy catchphrase, there are several compelling reasons why making the switch to digital … Continue reading

A business plan isn’t just a tool for startups or funding pitches, it’s a living, breathing document that should evolve as your business grows and the market shifts. Whether your business is in its second year or its twentieth, regular updates to your business plan are crucial for staying competitive, responsive, and aligned with your … Continue reading

Building a new home from the ground up is an exciting journey, but it requires careful financial planning. One of the most efficient ways to finance your new build is through the One Close Home Construction Loan provided by First National Bank of Michigan. We simplify the financing process by combining construction and mortgage financing … Continue reading

For many homeowners, their home is more than just a place to live, it is also one of their most valuable assets. Over time, as you pay down your mortgage and property values increase, you build equity in your home. Tapping into this equity can provide financial flexibility and help you achieve various financial goals. … Continue reading

In the digital age, managing your finances efficiently is more accessible than ever, thanks to the convenience of FNBM online banking. One of the most valuable tools available to our account holders is the ability to set up bank account alerts. These alerts can help you stay informed about your account activity, avoid overdraft fees, … Continue reading

Cybersecurity is no longer a luxury but a necessity for organizations of all sizes. Only 34% of originations have a formalized cybersecurity program with an average cost of a cyber breach is $290,000. Cyber threats continue to evolve, targeting vulnerabilities in systems, processes, and even human behavior. A sound cybersecurity strategy is essential to safeguard … Continue reading