Skip to main content

Regulations & Policies

Jump to: Financial Privacy Policy | Terms of Use | Internet Gambling Prohibition | Disclosure

Financial Privacy Policy

First National Bank of Michigan values its customers' privacy. We intend to protect your confidential information using state of the art measures. We never lose sight of the fact that our customers' trust is our most treasured asset. Here private means private. Please know that our corporate focus is the protection of your privacy in your dealings with us.

OPT-OUT: We will not share your non-public personal information with others as defined below. First National Bank of Michigan, on your behalf, has exercised your right to opt-out under 12 CFR Part 40, Privacy of Consumer Financial Information.

Collection of Non-public Personal Information: Information about our customers and our former customers is collected from a variety of sources. It is gathered from applications you provide to us and to our affiliate(s) for our products and services. It is gathered from information we receive from processing your accounts and the transactions in those accounts such as deposit accounts and loans. We receive information from credit bureaus. We also confirm information you have provided to us for evaluating loans with those third parties you have named.

Categories of Nonpublic Personal Information the Bank Discloses: We do not reveal specific information about your accounts or other personally identifiable data to parties outside our bank or our financial affiliate(s) for their independent use unless: 1) you request or authorize it; 2) the information is provided to help complete a transaction initiated by you; 3) the information is provided to a reputable credit bureau or similar information reporting agency; 4) the disclosure otherwise is lawfully permitted or required; 5) it is used to determine whether a loan that you have initiated is saleable in the secondary market; 6) we are disclosing information we receive from processing your accounts, (for example, if there are sufficient funds in the account to pay a check you have written). We do not provide any information about former customers unless we are legally required to do so. We do not provide account or personal information to any company for the purpose of independent telemarketing or direct mail marketing of any products or services.

Protection of Information and Security Measures: We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Maintenance of Accurate Information: First National Bank of Michigan has procedures to ensure that your financial information is accurate, current and complete, and in keeping with reasonable commercial standards. We will respond promptly to requests to correct inaccurate information.

At The First National Bank of Michigan we value our customer relationships. We want you to understand how we use the information you provide and our commitment to your privacy. If you have any questions about how we protect your confidential information, please call 269.349.0100.

Terms of Use

Your use of the First National Bank of Michigan website constitutes your agreement to all of the following terms, conditions and notices, without modification. If you do not agree with our Terms of Use, please discontinue use of this website.

Copyrights & trademarks: The contents, logotypes, trademarks, and service marks shown on this website are the property of First National Bank of Michigan and other respective parties, unless otherwise indicated, and are protected by copyright and trademark laws. All rights are reserved by First National Bank of Michigan. The content of this website may not be reproduced, downloaded, published, disseminated, or transferred without prior written permission from First National Bank of Michigan.

Availability of products and services: The products and services displayed on the website are available only in the United States and other countries where permitted by law. Products and services may not be available in all geographic areas, and are subject to change without notice.

No unlawful or prohibited use: Conditional use of this website includes your warranting to First National Bank of Michigan that you will not use this website or any information herein for any purpose that is unlawful or prohibited by our Terms of Use. You agree not to access this website or use materials or services available on this website from territories where such access or use is illegal.

Links to third-party internet sites: This website may contain links to other websites operated by third parties. First National Bank of Michigan provides these links as a service to users. These sites are not under the control of First National Bank of Michigan or its parent company, First National Bancorp, Inc., and First National Bank of Michigan is not responsible for the content available on any third-party sites. These links do not imply our approval or endorsement of the material on any linked site. It is the user's responsibility to take necessary precautions to ensure that material selected from such sites is absent of such items as "worms", viruses, "Trojan horses" and other destructive items. First National Bank of Michigan is not responsible, and disclaims all liability for, damages arising out of the use of such linked sites, reference to, reliance on, or information contained therein in any form.

Calculators and tools: This website may contain calculators and other tools. First National Bank of Michigan provides these tools and calculators solely as a service for educational purposes. We do not guarantee the functional accuracy of these calculators or other tools. First National Bank of Michigan is not responsible for, and disclaims all liability for, damages of any kind resulting from the use of such calculators and other tools.

No warranties: Use of this website and its contents are at the user's sole risk. First National Bank of Michigan assumes no responsibility for consequences from the use of the information contained on this website in any respect, including, but not limited to, errors or omissions, delays, the accuracy or sensibleness of information, the derogatory nature of statements, ownership of copyright or other intellectual property rights, and the violation of property, privacy or personal rights of others. We are not responsible for, and specifically disclaim all liability for, damages of any kind resulting from use, reference or reliance on such information. INFORMATION ON THIS SITE IS OFFERED "AS IS" WITHOUT GUARANTEE OF ANY KIND, EITHER STATED OR IMPLIED, INCLUDING WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. IN NO EVENT WILL FIRST NATIONAL BANK OF MICHIGAN OR ITS PARENT COMPANY, AFFILIATES, CONTRACTORS, OR THEIR RESPECTIVE EMPLOYEES BE LIABLE UNDER ANY CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHER CLAIM FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) RESULTING FROM THE USE OF OR THE INABILITY TO USE THIS WEBSITE, ITS CONTENT OR ANY PRODUCTS OR SERVICES, OR PERFORMANCE FAILURE, ERROR, OMISSION, INTERRUPTION, EFFECT, DELAY IN OPERATION OR TRANSMISSION, VIRUSES, SYSTEM FAILURE, LOSS OF DATA, OR LOSS OF USE RELATED TO THIS WEBSITE OR ANY LINKED WEBSITE OPERATED BY THIRD PARTIES.

Modifications: First National Bank of Michigan reserves the right to change the Terms of Use and adapt contents of the website without notice.

Governing law: You agree that disputes arising out of or relating to the contents or use of this website are to be governed by the laws of the State of Michigan, United States of America. You consent to the exclusive jurisdiction of courts sitting in the State of Michigan in all disputes stemming from or relating to the contents or use of this website.

General: If any part of this agreement is determined to be unenforceable by a court of competent jurisdiction, the unenforceable portion will be changed by the court only to the extent necessary to make such portion be enforceable, and the remainder of the agreement shall continue in full force and effect. This accord constitutes the entire website-use agreement between you and First National Bank of Michigan and supersedes all prior or existing communications, whether oral, written or electronic, between you and First National Bank of Michigan in regards to this website. A printed version of this agreement shall be admissible in judicial or administrative proceedings relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

Internet Gambling Prohibition

Internet Gambling - The Unlawful Internet Gambling Act of 2006
The UIGEA, signed into law in 2006, prohibits any person engaged in the business of betting or wagering (as defined by the act) from knowingly accepting payments in connection with the participation of another person in unlawful internet gambling. The Department of Treasury and the Federal Reserve Board have issued a joint final rule, Regulation GG, to implement this Act. Banks are required to comply with this Act beginning December 1, 2009 As defined by Regulation GG, unlawful internet gambling means to "place, receive or otherwise knowingly transmit a bet or wage by means which involves the use, at least in part, of the internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal lands in which the bet or wager is initiated, received or otherwise made".

As a customer of First National Bank of Michigan you should be aware of the following:

  • Restricted transactions are prohibited from being process through your account or banking relationship with us
  • If you engage in an Internet Gambling business, we will not open or maintain a commercial account with you


Products/services shown on this website are subject to availability. Equal Opportunity Lender. © - FNBM 1/12. Certain restrictions apply to products offered on this website. Ask a FNBM representative for full details.