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Did You Know?
  • View your Mortgage loan payment details; principal, interest, YTD interest paid and escrow balance each month by signing up for a One Statement and then enrolling into E-Statements online. 
  • You can earn up to 1% cash back just by using your VISA Debit Card & pressing "Credit" with CardCash™ cash back rewards!
  • Pay anyone online with FREE Bill Pay
  • eStatements are now available!


Personal Checking Accounts

Checking Accounts to Meet Your Needs

Northern Michigan Bank & Trust has a variety of interest bearing checking accounts available to you. Each account has slightly different features, benefits, and varies in their deposit requirements upon account opening. Visit one of our branch offices today. We look forward to seeing you.

Carefree NOW
• No monthly fees
• No per check charge
• Free ATM card for 24-hour banking
• Interest bearing account
• 1 box of wallet specialty checks FREE
• Check Safekeeping

Golden Rewards NOW (50 years of age or older)
• No monthly fees
• Free ATM card for 24-hour banking
• Interest bearing account
• 1 box of wallet specialty checks FREE
• Free cashiers checks 
• 0.25% increase on Certificate of Deposit interest rates if minimum balance of $2,500 in a savings or $1,000 in a checking account is maintained.

Carefree Gold Super NOW
• Minimum opening deposit of $2,500
• Monthly maintenance fee of $20.00 if balance falls below $2,500
• Unlimited check writing and Check Safekeeping
• Competitive interest rates that vary with tiered balances
• Free ATM card for 24-hour banking
• 0.25% increase in Certificate of Deposit interest rates if there is a balance of at least $2,500.00 in the Carefree Gold Super NOW account

Current Deposit Account Rates

Not a Customer? Make the Switch to Northern Michigan Bank & Trust Today!
SERVING:    Escanaba    Marquette    Ishpeming   Kingsford    Bark River    Gladstone    Iron Mountain
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