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Gladstone Office

Northern Michigan Bank & Trust has been providing deposit, lending, investment, and other financial services for the Central Upper Peninsula since 1892. We invite you to browse through our pages to discover how we can serve your banking needs.

Concerned about the Equifax breach? Learn more about the breach and how to protect yourself.

I've been hearing about the Equifax breach in the news. What happened?

Equifax, one of the three major credit bureaus, experienced a massive data breach.  The hackers accessed people's names, Social Security numbers, birth dates, addresses and, in some instances, driver's license numbers.  They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.

Was my information stolen?

If you have a credit report, there's a good chance it was.  Go to a special website set up by Equifax to find out: Scroll to the bottom of the page and click on "Potential Impact," enter some personal information and the site will tell you if you've been affected.  Be sure you're on a secure network (not public Wi-Fi) when you submit sensitive data over the internet.

How can I protect myself?

  • Enroll in Equifax's services. Equifax is offering one year of free credit monitoring and other services, whether or not your information was exposed.  You can sign up at
  • Monitor your credit reports. In addition, you can order a free copy of your credit report from all three of the credit reporting agencies at You are entitled to one free report from each of the credit bureaus once per year.
  • Monitor your bank accounts. We also encourage you to monitor your financial accounts regularly for fraudulent transactions.  Use online and mobile banking to keep a close eye on your accounts.
  • Watch out for scams related to the breach. Do not trust e-mails that appear to come from Equifax regarding the breach.  Attackers are likely to take advantage of the situation and craft sophisticated phishing e-mails.

Should I place a credit freeze on my files?

Before deciding to place a credit freeze on your accounts, consider your personal situation. If you might be applying for credit soon or think you might need quick credit in an emergency, it might be better to simply place a fraud alert on your files with the three major credit bureaus.  A fraud alert puts a red flag on your credit report which requires businesses to take additional steps, such as contacting you by phone before opening a new account.

How do I contact the three major credit bureaus to place a freeze on my files?

Equifax: Call 800-349-9960 or

Experian: Call 888-397-3742 or

TransUnion: Call 888-909-8872 or

Where can I get more information about the Equifax breach?

You can learn more directly from Equifax at You can also learn more by visiting the Federal Trade Commission’s web page on the breach at To learn more about how to protect yourself after a breach, visit


Hurricane Harvey Charity Fraud

Our thoughts and prayers go out to all of the people and animals that are affected by Hurricane Harvey.  Fraudsters love to take advantage of human kindness in order to make money.  You need to be aware and cautious of the following types of fraud:

  • Facebook pages requesting help for the victims of Hurricane Harvey.  These pages can contain links to scam websites.
  • Tweets containing links to charitable websites requesting donations.  In reality, the links lead to scam sites or contain malware.
  • Phishing emails requesting donations to #HurricaneHarvey Relief Fund.

Please be wary of anything shown online covering the Hurricane Harvey Disaster.  If you wish to donate, please check your phone books and legitimate resources for the charity you are interested in.  Do not trust email links containing contact information as they may be fraudulent.

We care about you and your safety. As always, please do not open any email attachments that you are not expecting or click on links within emails that you are not expecting. Check your accounts online daily to monitor account activity. For more safety tips, please click on the Hot Topics link at the top of this website.

Press Release, Exciting News!

Escanaba, MI, June 1st, 2017 – The directors of First Bancshares Corporation (First Bancshares), the parent company of First Bank Upper Michigan (First Bank) and Northern Michigan Bank & Trust (NMB&T) announce today that an application has been filed with the appropriate regulatory agencies. NMB&T will merge into First Bank Upper Michigan. The Directors have chosen First Bank Upper Michigan as the name for all 10 locations throughout the central Upper Peninsula.  

In November 2015, First Bancshares Corporation announced the acquisition of NMB&T.  Following regulatory approval the actual ownership change was consummated on March 2nd, 2016.  Since then the acquisition has proven to fit with First Bancshares’ strategic focus.  The banks have worked together in many ways over the past 16 months and this merger will only further enhance the synergies.

Once the merger is completed, under one bank charter, First Bank will have over 115 associates with 10 branches located in Delta, Marquette, and Dickinson Counties. The banks will see additional economic benefits by reducing the duplication of resources toward compliance, auditing, regulatory examinations and other outside consultants needed to comply within our current regulatory environment.  

“This is the next logical step in our desire to remain a strong community bank enhancing our ability to improve client services and provide more opportunity to our professional staff of caring associates,”  said Jeanine Dagenais, President and Chairperson of First Bancshares. 

Currently, both banks use the same core processing system which will help to simplify the system integration process.  Our third party IT provider will be assisting the banks to ensure an accurate and proficient integration.

“We plan on continuing to improve our products and provide our clients with the best banking solutions available while still maintaining our local bank feeling.  We will still have the same smiling faces our clients have grown to know and rely upon,” noted Todd Maki, President & CEO of First Bank.

The merger is tentatively planned for the fourth quarter of 2017.

About First Bancshares Corporation

First Bancshares is a private holding company that was formed when it acquired First Bank Upper Michigan in 1988 and continued to grow with Northern Michigan Bank & Trust in March of 2016.  First Bank provides a full range of consumer and commercial banking as well as investment management services at its locations in Escanaba, Gladstone, Garden, Marquette, Ishpeming, Iron Mountain, Kingsford and Bark River.  First Bank was originally formed from the purchase of First National Bank of Gladstone MI in 1988. First National Bank of Gladstone was formed in 1916, and is currently celebrating over 100 years in serving our local communities.  Sound management and exceptional client services are the foundations upon which First Bank was founded and are common threads that have been woven through time to carry the bank forward.  For more information about First Bank, go to   

Phone Scam Alert

The Gogebic County Sheriff's Office is warning Upper Peninsula residents to watch out for a new phone scam involving Visa or MasterCard credit cards.  The caller poses as a Security and Fraud Department worker for the credit card company.  Keep in mind that legitimate credit card companies will not ask for your credit card information because they already have your information on file.

After making you think there has been fraud on your account and the fake "representative" is trying to resolve the issue for you, the scammer will say that they need to verify that you are in possession of your card, the caller will ask you to flip your card over and provide them with the three digit code listed on the back of your card.  At this point in the conversation DO NOT provide your three digit code Tell the scammer you will call Visa or MasterCard directly for verification of the conversation.  HANG UP YOUR PHONE and call the contact number that is listed on the back on your credit card to verify if there has been any suspicious activity on your account.  

Never call phone numbers that are provided to you by a random person calling your home.  Anytime you suspect a call isn't "quite right", hang up and please be proactive about keeping your financial information safe and secure. Sign up for Visa Debit card alerts to keep an eye on your Visa Debit card activity. 

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