Personal Banking
Checking & Savings
- Checkmate – No minimum balance required, unlimited check writing, no monthly service charge
- NOW – Interest bearing, minimum balance required, unlimited check writing
- Liquid Gold – Premium checking account, tiered interest rates, unlimited check writing, free Liquid Gold checks
- Silver Money Market – Interest bearing, minimum balance required, six limited transactions per month, unlimited withdrawals in person
- Health Savings Account (HSA) – For most who have a high-deductible health plan, tiered interest rate
Personal Savings
- Passbook Savings – Quarterly interest, low minimum balance required
- Golden Passbook – Tiered interest rates, minimum balance required, deposit anytime, limited withdrawals
- Christmas Club – Interest bearing, save for any occasion, open at any time of year, checks issued in mid-October, no minimum or maximum deposit
- Certificates of Deposit – Multiple terms available, competitive interest rates, minimum balance required. Fees may reduce earnings.
- IRA Certificate of Deposit – Traditional, Roth, or Educational, competitive interest rates, multiple terms available
Loans
Mortgages
Whether you are considering home ownership for the first time or currently own a home and need help with your mortgage, our experienced lenders are here for you.
Many eligible borrowers are not taking advantage of the opportunities because of misinformation about getting a mortgage today. It’s important that you get the facts about buying a home in today’s market. Contact a First Bank Mortgage Officer to help guide you through the home buying process with confidence.
Before you start shopping for your new home, you will want to meet with one of our lenders to review your income, expenses, and financial goals to determine the type and amount of mortgage you qualify for.
Fixed Rate Mortgage - Your interest rate never changes, the monthly principal and interest payment remains the same for the entire term of the loan.
VA Loans - The VA guarantees the loan to make housing affordable to eligible U.S. veterans with little to no down payment. Refinancing of an existing mortgage loan is also available through the VA.
Guaranteed Rural Housing Loans - Available to help low-moderate income individuals purchase homes in rural areas with little or no down payment.
MSHDA – We are a MSHDA approved lender to provide low down payment options to low to moderate income families
Home Equity Line of Credit - Competitive variable rate to borrow up to 90% of the equity in your home for any purpose.
New Construction - Construct your dream home, we’ll make the process easy from the line of credit to end loan.
Recreational Property & Vacant Land Loan - Buy that cabin on the lake or hunting parcel, we offer competitive financing.
Investment Property - We offer fixed rate financing on qualified 1-4 family rental units.
All of our lending decisions are made locally and we retain your mortgage loan.*
*except for MSHDA loans
Consumer Loans
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Auto
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Retail/Consumer goods
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Boats/Recreational vehicles
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Personal expenses
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First Line Personal Reserve Account
Convenience Banking (24-Hour Banking Services)
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Online Banking
- Account Information
- Bill Pay
- E-statements
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Mobile Banking – Manage your accounts from your web-enabled phone or tablet by downloading our free First Bank Upper Michigan Mobile App from the App Store - Apple or Google Play.
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Digital Wallet– Make secure purchases with a tap of your phone anywhere "tap-to-pay" is accepted. Your Apple™ Digital Wallet will store your First Bank Debit Card or Credit Card.
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Apple Pay™– Compatible iPhone Versions: iPhone X, iPhone 8, 8 Plus, iPhone 7, 7 Plus, iPhone 6S, 6S Plus, iPhone 6, 6 Plus, iPhone SE
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To add your First Bank Visa Debit Card to your iPhone, follow the steps below:
-Open Settings > Wallet and Apple Pay™
-Tap, Add Credit or Debit Card
-Scan the card or enter the details manually
-Enter the security code in the Card Details section
-Accept the Terms & Conditions, if you agree
-For Apple Pay™ support call 844-623-1513
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Samsung Pay™‐ Compatible Samsung versions: Galaxy S8, S8+,Galaxy S7, S7 Edge, Galaxy Note5, Note7, Galaxy S6, S6Edge, S6 Active
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To add your First Bank Visa Debit Card to your Samsung phone, follow the steps below:
-From your home screen Touch Apps then Samsung Pay™ (if App is needed, download the App from Google Play)
-Touch Add a Credit or Debit Card
-Align your card in frame or enter your card information manually
-Enter remaining information and touch Next
-If requested, enter your billing address and touch Save
-Review Terms & Conditions, touch Agree to all, if you agree
-You may be prompted to contact the call center
-Touch Done to complete the process. Verification can take 5-10 minutes, wait to complete before card can be used.
-For Samsung Pay™ support call 844-623-1513
To report a lost or stolen Debit or ATM card after business hours
contact 1-800-236-1655 option 7.
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Telephone Banking – 906-428-3580 or 1-800-236-1655
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ATMs – We’re part of the NYCE and CIRRUS networks, and we have ATMs located at all First Bank locations and Elmer’s County Market, 412 N. Lincoln Road, Escanaba.
For fee-free ATM use when traveling, look for the SUM or PRESTO networks, or visit www.sum-atm.com or www.publix.com/presto.
Other Services
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Debit and ATM cards
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Direct Deposit
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Night Deposit
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Bank by Mail
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Bank Wire Services
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Safe Deposit Boxes
Important Changes to US Savings Bonds
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Cashier’s Checks
