Personal Banking
It's all about you
At First Federal, banking is all about freedom and convenience. We provide a variety of options that allow you to access, use and grow your money in the way that works best for you. Click on link to the left to learn more.

Telephone Banking

As a First Federal customer, you have 24-hour access to your account- at no extra cost. Simply call our toll-free Telephone Banking Number  and you can check your account activity, make transactions and much more. You need to have a touch tone phone to access account information. Please contact your local branch for set up information.
 Call 866-348-2265.

Investment Services

First Federal is committed to more than just helping you protect your assets. We work to help you grow your money with smart, timely investments. through our affiliate, InsuranCenter of Alpena, a highly regarded registered broker-dealer , we provide access to a wide variety of financial products and services . These include mutual funds, annuities, full-service brokerage accounts, asset management services, portfolio review services, self-directed IRAs and more.

Securities offered through InsuranCenter of Alpena, a wholly owned subsidiary of First Federal of Northern Michigan and Member of NASD/SIPC, Investment Services and Products are not deposits, not FDIC insured,
not insured by a federal government agency, not guaranteed by the bank and may go down in value.

Other Services

As a full-service bank, First Federal provides a host of banking services designed to help people and businesses grow and prosper. These include:
• Personal Loan Products
• Mortgage Services
• Commercial Services
• Wire Transfer Services
• Safe Deposit Boxes
• Medallion Guarantee