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Did You Know?

• You can get a 0.25% increase in your CD rates just by having a Golden Rewards NOW or Carefree Gold Account! 
• 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 9 branch offices today. We look foward to seeing you.

Carefree NOW
• No monthly fees
• No minimum balance
• 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
• No minimum balance
• Free ATM card for 24-hour banking
• Interest bearing account
• 1 box of specialty checks FREE annually
• 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 service charge 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