Bank of Michigan

Standard Online Banking Security Measures

Why security is important

Bank of Michigan is committed to protect your information. While our privacy policies are the same whether you are online or not, we have extra measures in place to protect your privacy when you bank online with Bank of Michigan.

Satisfying our customers' financial needs in a secure manner and helping them succeed financially has been a cornerstone of Bank of Michigan since we first opened our doors. At Bank of Michigan, protecting our customers and their information is a top priority – one that we take very seriously.

We continue to enhance our systems and processes as online services evolve. Because no single solution can ensure online security, we have developed a layered security approach with industry-leading solutions.

We have two major objectives in selecting the right electronic safeguards:

  • Protecting our customers' information
  • Minimizing customer impact while providing multiple layers of protection wherever customer transactions call for added security

Security, quite simply, protects the confidentiality of your account information and prevents theft of your financial assets.

Internet security overview

It is important to verify that only authorized users log into our Online Banking system. We use multi-layered security, including password verification to ensure user authorization. We limit the number of times you can enter your password incorrectly. We monitor and record incorrect login attempts to detect suspicious activity, such as someone trying to guess your password. You play a crucial role in preventing others from logging on to your account. Never use "weak" passwords that are easy to guess. Examples of poorly crafted passwords are: birth dates, first names, pet names, addresses, phone numbers, and social security numbers. Never reveal your password to another person. You should periodically change your password, which is an option within our Online Banking system.

Our Enhanced Login Security provides additional peace of mind when using Bank of Michigan Online Banking. Enhanced Login Security strengthens security and protects against online fraud by requiring an additional authentication "factor" beyond your ID and password each time you login to Online Banking. This additional layer of security is a browser-based secure cookie, a piece of information that is stored on your computer and is recognized by our system when you login.

We also "time out" an Online Banking session after a specified period of inactivity. This keeps others from viewing or continuing Online Banking activity if you leave your PC unattended. However, we recommend that you always sign off (log out) when you have finished your online banking.

Electronic Mail

Messages sent by e-mail may not be secured, may be intercepted by third parties and may not be immediately received by the appropriate department at Bank of Michigan. Please do not use e-mail to send us communications that contain confidential information, which we require in writing or which need our immediate attention. Please call us instead at (248)865-1300. Be aware that a "receipt" acknowledgment on an e-mail message means only that the message has routed into the Internet, not that the message has been received by Bank of Michigan. Urgent or confidential matters should be addressed via phone or in person. Written authorizations should be provided via U.S. mail, private delivery service (i.e. overnight delivery), or in person.

Web Site Links

The links in this web site will let the user leave the Bank of Michigan site. The linked sites are not under the control of Bank of Michigan, and Bank of Michigan IS NOT RESPONSIBLE FOR THE CONTENT AVAILABLE ON OTHER INTERNET SITES. These links are provided as a convenience to users. Access to any other Internet sites linked to this web site is at the user's own risk. The inclusion of any link does not imply a recommendation or endorsement by Bank of Michigan of the linked site.

About "cookies"

Cookies are commonly used on web sites and do not harm your system. By configuring your preferences or options in your browser, you determine if and how a cookie will be accepted. We use cookies on our Online Banking system for the sole purpose of providing additional security to our customer.

Secure Tokens

Secure Tokens are devices 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 Businesses Secure Tokens >>
Read More about Personal Secure Tokens >>

Bank Expectation of Customer Responsibilities

The security systems that are in place however, cannot protect those customers who do not follow secure and proper computer practices. It is vitally important that customers take all necessary precautions such that their computer access credentials are not compromised. This includes but is not limited to avoiding any activity that increases the likelihood of identity theft; not opening fraudulent email messages that contain harmful viruses or malware; not falling prey to "social engineering" whereby perpetrators obtain computer access information with direct communications via phone calls, fax, or mail; not sharing user ID and passwords with co-workers or friends; prohibiting the use of "weak" passwords; keeping computer anti-virus and similar programs up to date; and not falling prey to internet sales and get-rich-quick scams. Therefore Bank of Michigan has the expectation that each customer will take any and all reasonable precautions to reduce the likelihood of computer related fraud and the resulting financial losses.


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

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