Bank of Michigan

Enhanced Login Security

Your online security is very important to us. That is why we have implemented a layered security system for enhanced login security on our Personal and Business Online Banking systems. Enhanced login security will help protect against online fraud by providing additional layers of protection beyond the routine online user ID and password that you currently use to login. The enhanced security consists of three security questions and a personalized watermark feature that are used to verify your identity. They help prevent unauthorized access to your accounts and reassure you that you are at our official Web site.

When you are at your own computer, enter your Online Banking ID and then click submit. You should then see the watermark image that you established for your account to verify that you are using Online Banking at our Web site. You can then enter your Online Banking Password and know that your information is safe and secure.

If you do not recognize the watermark image, do not enter your Online Banking Password. You should double check your Online Banking ID. If your Online Banking ID is correct and you still do not recognize the watermark image, you should contact us immediately.

In the event that the Online Banking system does not recognize you, you will be asked two of the original three security questions you established to verify your identity. For instance, if you are signing in from a computer our Online Banking system does not recognize, you may be asked to answer two security questions to verify your identity. When the system is confident that you are an authentic user, your watermark image will be displayed and you may proceed to enter your Online Banking Password.

The enhanced login security enrollment process is fast and easy. Once you have enrolled, you will logon to Online Banking the same way you always have, with your Online Banking User ID and Password. The enhanced login security happens behind the scenes and you are granted access as long as our system recognizes your computer.

For an additional security measure, Secure Tokens will be issued to certain Personal Online Banking and Business Online Banking customers who conduct monetary transactions that by their nature are considered a higher risk, such as Automated Clearing House (ACH) originations. These handheld portable devices generate a six-digit random number every 35 seconds which must be entered in order to complete transactions.

Read More about Business Secure Tokens. Read More about Personal Secure Tokens.

Your safety is our top priority. If you have any questions or concerns, please contact us at (248)865-1300 or

Bank of Michigan President Michael G. Sarafa

Letter from the President

Welcome to the new Bank of Michigan website. We hope you find it fresh and easy to use. It is our goal to create positive customer experiences for every transaction from internet banking to a personal visit with us at the bank. Our experienced and dedicated team of bankers is ready to offer creative solutions to meet your banking needs.

At Bank of Michigan, we take great pride in our core values: integrity, loyalty, community, responsiveness and maximizing success. We take these principles very seriously. They drive our mission, purpose and values. Our Board of Directors and staff personally stand behind these commitments.

Thank you for visiting us and do not hesitate to contact me if I can assist you in any way.

Michael G. Sarafa, President