Frequently Asked Questions

The following provides answers to some frequently asked questions regarding the transition of First Federal of Northern Michigan (FFNM) to mBank. Please note that we have answered all of these questions to the best of our current knowledge and will continue to update this page as more information becomes available. If you have further questions, please feel free to contact your local banker or stop by your local mBank branch and we will be happy to assist in any way we can.





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Who is mBank?
What will the name of the bank be?
Will there be service interruptions?
How will the merger impact FFNM customers and their banking?
When do I officially become an mBank customer?
Will any branches be closed or consolidated?
Will I need a new debit card and/or will my FFNM debit card still work?
How do I access my accounts online?
Will there be changes in normal branch hours?
Can I still use the FFNM Mobile App?
Who do I contact with additional questions?

Deposit Accounts

How will my direct deposits be affected?
Will my automatic transfers and deposits still work?
What actions do I need to take on my accounts?
Will my account number(s) change?
Will my FFNM account change to an mBank account?
Will I need to order new checks?
What will happen to my Certificates of Deposits (CDs)?
I have deposit accounts at both mBank and FFNM, so what is my FDIC Insurance?

Loans Accounts

Where do I submit my loan payments?
Will my loan number change?
Will automatic payments that I currently have set up at FFNM continue to be in place?
Regarding small business and commercial loans, who is my point of contact on my business loans and deposits?



Should you have any additional questions, please do not hesitate to call or stop by your local mBank branch. At the branch, you will see the same friendly faces from the customer service representatives to branch managers, loan officers, and mortgage lenders, continuing to provide you with the excellent service you have come to expect. You can also call us toll free at 888-343-8147.