Payment fraud continues to be one of the greatest financial threats facing businesses today. As fraudsters become more sophisticated, relying on stolen checks, altered checks, and unauthorized electronic payments, businesses need stronger safeguards to protect their accounts. First National Bank of Michigan’s Positive Pay and ACH Positive Pay services provide an added layer of security … Continue reading

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 … Continue reading

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 … 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

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

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

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