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We offer various terms with competitive rates to meet your needs...

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Did You Know?

• We offer direct deposit payroll services
• We have HSA's for your employees
• We offer qualified retirement plans
• We offer Business Credit Cards

Commercial Deposit Services

Commercial Checking

This account is for your day-to-day operating expenses. This non-interest bearing checking account is analyzed on a monthly basis. Your account receives an earnings credit based on collected balances, which are used to offset the service fees on the account. No minimum balance. Monthly service charge of $6.00, $.15 per item deposited, $.15 per check written, $.25 per deposit, $5.00 per return item in deposit, potential monthly earnings credit. $1.00 minimum deposit required to open this account.

Commercial NOW Checking

This interest-bearing account is available for non-profits, government units, fiduciaries, educational institutions, and sole proprietorships. Certain fees may apply with this account. Corporations do not qualify for NOW Accounts. No minimum balance. Monthly service charge of $6.00, $.15 per item deposited, $.15 per check written, $.25 per deposit, $5.00 per return item in deposit. $1.00 minimum deposit required to open this account.

Commercial Regular Savings*

This interest-bearing account is designed to help you save and increase your finances with quarterly interest payments. A $1.00 service charge per withdrawal is applied plus a $5.00 maintenance fee if balance falls below $100.00 during the statement cycle. $1.00 minimum balance required to open this account.

Money Market Accounts*

Northern Michigan Bank & Trust Money Market Accounts provide a convenient, interest-bearing, liquid investment with easy access. $1,000.00 minimum deposit needed to open this account.

Sweep Accounts

For commercial customers with large cash balances, this account automatically transfers excess funds to and from a non-interest bearing commercial account to a Money Market Savings Account. Please visit one of our Commercial Banking Associates for information about our Money Market Sweep Account.

*You may make six (6) transfers from your account each four (4) week or similar periods, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction. Three (3) of these transfer may be made by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfer and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.