Print This Page Print This Page

Other Services/Products

Overdraft Protection (PRA) - Protect yourself from the cost and inconvenience of returned checks. Overdraft protection guards against overdrawing your checking account (subject to credit approval).

  • If checking account is overdrawn, funds will be advanced in $50 increments
  • No prepayment penalty
  • No annual fees or late charges

Contact your Northern Michigan Bank & Trust representative for current interest rates and details.

Automatic Transfers - You can instruct us to move money from any of your Northern Michigan Bank & Trust accounts to another regularly. Contact your Northern Michigan Bank & Trust representative for more details.

Debit Cards - You can use a Northern Michigan Bank & Trust debit card at any of our ATMs free of charge. It can also be used at any merchant world wide displaying the VISA Symbol. The amount of your purchase is automatically deducted from your checking account (subject to approval). Contact your Northern Michigan Bank & Trust representative for an application. For assistance with lost/stolen Debit cards call (906)786-0221 or after hours (800)-236-2442.

Payroll Direct Deposit - If your employer offers this service, we can deposit all or a portion of your paycheck directly into your savings or checking account. Contact your Northern Michigan Bank & Trust representative for more details.

ATM Cards - A Regular Savings, Money Market, or checking account comes with the option of an ATM card. The card can be used at any of Northern Michigan Bank & Trust’s convenient locations free of charge. For assistance with lost/stolen Atm cards call (906)786-0221 or after hours (800)-236-2442.

24-Hour Services

Money Talks Telephone Banking - You can get important account information and make transactions without having to walk into the bank.  Just call 1-800-690-1666 and an automated customer service representative gives you a variety of choices and takes you step-by-step to the information you are after.  Instant information on your accounts, anytime, anywhere, as close as your touch-tone telephone.

Money Talks Online - Bank with us online anytime with “Money Talks Online”.  Secure access to your accounts to check balances, transfer funds, make loan payments, and much more - all from your computer, anytime, day or night.