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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!
• 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 Savings, Christmas Club and Money Market Accounts

Save For a Rainy Day

With life, comes unexpected expenses. Northern Michigan Bank & Trust is here to offer savings accounts to help prepare you and your family for such expenses. Opening a savings account for a younger child teaches them responsibility. They can start to save for future expenses such as a new car, or even college. Open a Northern Michigan Bank & Trust savings account today and save for that rainy day.

Money Market Savings

• No monthly fees
• Minimum opening deposit of $1,000
• Higher tiered interest rates above $10,000; below $1,000 earns a reduced interest rate
• Unlimited withdrawals if done in person

Regular Savings

• No service charges if balance stays above $100
• If balance falls below $100, a $1.00 per withdrawal plus a $5.00 maintenance fee during statement cycle will apply
• Interest bearing
• Unlimited withdrawals if done in person

• Interest Bearing account
• Penalty for early withdrawal