We offer various terms with competitive rates to meet your needs...
ATM cards 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.
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). You can also earn up to 1% cash back on your "signed" debit card purchases with our CardCash™ rewards program. 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.
We offer Business Credit Cards. Contact a Commercial Lender for an application and details.
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.
You’ll have peace of mind when you sign up for payroll direct deposit. Your employees will have their paychecks directly deposited into their accounts without you having to print out payroll checks, saving you time and money.
Retirement planning does not have to be complicated when you have the right partner. Northern Michigan Bank & Trust offers a wide variety of tailor made qualified retirement plans. The experienced professionals in our Trust Department can recommend and implement the best for you. Retirement planning products and services include:
Because many business owners eventually acquire wealth, our Trust Department provides individual custodial, agency, and trust accounts to manage that wealth. Our Trust Officers will work closely with you to develop an investment plan that meets all your goals. They will then help you select the right mix of investments and manage your account for maximum returns.
As a business owner, you know the high costs involved in providing health care benefits to your employees. You can ease some of that burden with a Health Savings Account. With an HSA, you give your employees a way to earn tax-free dollars on account contributions made by you, your employees, and any other person on their behalf These contributions help your employees pay for qualified medical expenses on a tax-free basis.