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Treasury Management

Understanding your business goals is our first step when suggesting treasury management services and developing a plan to achieve them.

FNBM Treasury Solutions

Merchant Services

Accept credit card payments and connect all credit card transactions to your business checking account with merchant services.

Remote Deposit Capture

Make deposits without leaving the office with remote deposit capture from FNBM. Perfect for businesses that process several checks each day.

ACH Services

Electronically transmit and collect funds safely and securely for direct deposit of payroll or vendor payments with ACH services and direct deposit.

ACH Positive Pay

Stop unauthorized ACH debits from hitting commercial checking accounts is available with debit block.

Zero Balance Accounts (ZBA)

Commercial customers can link two checking accounts to help manage and separate payroll or other specific purposes.

Insured Cash Sweep

The Insured Cash Sweep product is designed to utilize excess funds in a checking account to automatically pay down a line of credit to help minimize interest expense.

Commercial Credit Card

Consolidate spending onto a single platform with a commercial credit card in addition to eliminating personal cards and streamlining vendor payments.

Positive Pay

With this fraud prevention tool, FNBM allows you to electronically match checks written from a checking account with those clearing the account.

Professional Assistance

Running your business is a full-time job. That’s why First National Bank of Michigan offers professional assistance for treasury management questions and concerns.

Senior Vice President, Treasury Management and Deposit Operations Manager
Vice President, Branch Manager, Treasury Management Officer

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.