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Frequently Asked Questions

What is Online Business Banking?

As a business owner in today's competitive environment you need every advantage you can get, such as the ability to easily control your financial operations in a convenient and streamlined package that makes your business more efficient. Online Business Banking provides just that, with tools that can be customized to suit the unique needs of your business, far cheaper than the cost structure of our banking competitors.

What are the features of Online Business Banking?

Our Online Business Banking offers a suite of services designed to fit your company's unique needs ...

Basic Features:

• View balances and transaction history
• Stop check payment
• Check re-order
• View and search checks
• Electronic statements
• Transfer funds
• Balance Alerts
• Bill Payment

Additional Features:

• Payroll - enables a business customer to initiate ACH credits to employee accounts
• ACH Payments - enables a business customer to initiate ACH credits to domestic consumer and commercial recipients
• ACH Receipts - enables a business customer to initiate ACH debits from domestic consumer and commercial recipients
• Collections - enables a business customer to initiate ACH debits from multiple consumer recipients
• Domestic and International wire transfer - enables a business customer to initiate international wire transfer credits
• EFTPS Tax Payments - enables a business customer to initiate ACH payments to federal and certain state tax authorities
• Check Re-presentation - enables a business customer to convert unpaid NSF checks to ACH debit items

How is Online Business Banking different from other business banking solutions?

Online Business Banking offers tools that allow companies to manage access to their accounts. Each employee has his / her own individual login which allows the business to control each employee's access. The level of access to cash management functions is determined by the appropriate supervisor, who can designate specific rights and transaction limits to different employee groups. This allows your business to be in full control of your cash management process.

How much will Business Services cost?

We continually strive to keep your costs down. That's why the pricing for our various Online Business Banking products is very competitive, with no hidden charges. Your fees will depend on the types of applications you may be eligible to use within Online Business Banking.

What makes Michigan First the right choice for my business?

Michigan First will be here as your business grows, offering the right combination of loans, deposit accounts and other financial services to help you successfully manage your operations. You can rely on us as a trusted advisor with fair, up-front pricing and no hidden fees.

Plus, when you share Michigan First with your employees and choose Michigan First for your own personal banking needs, we reward you by reducing your costs for valuable business services.

How can my business benefit from ACH Services?

With Michigan First's Automated Clearing House Services you will enjoy a simple, efficient way to pay and collect payments.

With ACH Payments your business can make scheduled electronic payments, reducing late payments and eliminating time-consuming check writing.

Through ACH Collection your customers authorize electronic debits from their accounts to you when payments are due, reducing late payments.

With ACH Payroll, you can increase the operational efficiency and accuracy of your payroll process.

How do I register for Online Business Banking?

Simply call 800-664-3828 or visit your nearest branch.


*Application Required.
*On approved credit.