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

Online banking has revolutionized the way we manage our finances, making it easier and more efficient to stay on top of our accounts. Here are just a few reasons why you should consider using online banking: 1. Convenience at Your Fingertips: With online banking, you can access your accounts anytime, anywhere. Whether you’re at home, … Continue reading

Certificates of Deposit (CDs) are a popular choice for individuals looking to grow their savings in a secure, low-risk way. Here’s why CDs can be a great addition to your investment portfolio: Guaranteed Returns When you invest in a CD, the interest rate is fixed for the duration of the term. This means you know … Continue reading

Helping a small business with how to accelerate business growth effectively and efficiently can be a difficult job. You could have numerous ideas to grow your business. Here are 7 smart tips for informed decision-making that will enable you to grow your small business:   Strategic Planning Strategic planning for any business is like the … Continue reading

First National Bank of Michigan is hosting our annual Economic Forecast, featuring Michael Horrigan, President of the W.E. Upjohn Institute for Employment Research. Join us for an insightful and informative discussion on the current economic landscape, future trends, and how these forecasts could impact businesses, individuals, and the broader economy in 2025 and beyond. Event … Continue reading

When it comes to financial planning, setting up beneficiaries for your bank accounts is a crucial yet often overlooked step. While many people focus on creating wills, trusts, or retirement accounts, ensuring that your bank accounts have designated beneficiaries can provide an extra layer of protection for your loved ones and help them avoid unnecessary … Continue reading

For any business owner, understanding where you stand in relation to your competitors is vital for making informed decisions, improving products, and capturing market share. One of the most effective tools for gaining this insight is the competitive matrix. This simple yet powerful tool helps you compare your business with competitors on various factors such … Continue reading

In today’s fast-paced world, digital payments have become essential for individuals and businesses alike. One of the most popular tools for transferring money quickly and securely between bank accounts is Zelle. Whether you’re splitting a restaurant bill, sending money to a friend, or paying for services, Zelle offers a convenient way to transfer funds in … Continue reading