Banking Services

Online Banking & Bill Pay

Check account balances, make transfers, pay bills, and more — 24/7. Manage your money on your terms. After all, you've earned it. 

Mobile Banking & Bill Pay

Account access at your fingertips. Download our mobile apps to bank from anywhere you carry your smartphone — so, everywhere. 


Save paper, be better organized, and keep your information safer. Make the switch to convenient e-Statements today. 

Telephone Banking

Access account information via our automated telephone system 24/7. Perform a number of banking actions with the touch of a few buttons. 

MasterCard® Debit Card

Make purchases without ever having to dig for change. Our MasterCard® debit cards are secure and accepted nationwide.

Switch to First Federal of Northern Michigan

It's easy to switch your accounts with other banks over to First Federal so that they get the same great benefits! This kit shows you how.  

Bank-Owned Properties

Save big bucks — browse bank-owned properties to snatch up bargains. Get a great deal on a house, car, or recreational vehicle. 

Additional Services

We provide an array of additional services to help make your banking experience the best it can be. Have a look at all of our offerings.