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Personal Checking
Our personal checking solutions are designed to meet your needs with cost-effective and convenient options from friendly, local experts.
FNBM Checking Solutions
Advantage Checking
Our Advantage Checking accounts pay preferred interest rates. Unlimited transactions, online banking with bill-pay, e-statements, a free box of checks every calendar year, debit card and ATM access, and annual fee waivers on Home Equity Lines of Credit are also included. Home Equity Lines of Credit are also included.
Interest Checking
With a minimum balance or direct deposit of $500, our Interest Checking accounts earn interest as well as provide unlimited transactions, online banking with bill-pay, a free box of checks every calendar year, and debit card and ATM access.
Free Checking
Don't want to worry about a minimum balance? Our Free Checking accounts offer unlimited check writing and debit card and ATM access, e-statements, along with online banking and bill-pay without balance thresholds.
Find Your Local Personal Banker
Current Rates
First Advantage Checking
The minimum to open is $100. A minimum monthly balance of $5,000 is required to avoid fees.
*APY = Annual Percentage Yield. APY is based on a $2,500 balance for 12 months. Current rates are subject to change. Fees could reduce earnings.
| Balance | Interest Rate | APY * |
|---|---|---|
| $0-$4,999 | 0.01% | 0.01% |
| $5,000-$19,999 | 0.01% | 0.01% |
| $20,000-$49,999 | 0.05% | 0.05% |
| $50,000+ | 0.10% | 0.10% |
Last updated on 03/03/2025.
Interest First Checking
The minimum to open is $100. A minimum monthly balance of $0 with direct deposit or $500 without direct deposit is required to avoid fees.
*APY = Annual Percentage Yield. APY is based on a $2,500 balance for 12 months. Current rates are subject to change. Fees could reduce earnings.
| Balance | Interest Rate | APY * |
|---|---|---|
| $0+ | 0.01% | 0.01% |
Last updated on 03/03/2025.
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.