First Federal of Northern Michigan Online Banking


First Federal of Northern Michigan Bancorp, Inc. operates as the bank holding company for First Federal of Northern Michigan that provides various financial services to individuals, families, and businesses. It offers NOW and money market accounts, and savings accounts, as well as certificates of deposit.

Official Website:

Bank Customer Service Telephone:

  • (989) 356-9041

Bank Routing Number:

  • 272471085

Bank Swift Number:

  • This BANK is not part of the SWIFT network, so there is no number.

Online Banking Mobile Apps:

Branch Locator:

First Federal of Northern Michigan Online Banking Login


Step 1 – Go to and enter your “Login ID” and click “Submit.” Once you have submitted your Login, and the system recognizes your login ID, you will be presented with the image and phrase you had created when you enrolled.


Step 2 – When you enter the second page of the secure login and you do not recognize your image, do not enter your phrase. Otherwise, enter your phrase, and you will be prompted on the following page to enter your password

Step 3 – Once you have cleared the secure login, you will immediately gain access to your online banking page


Step 1 – Go to This Page to begin your enrollment process. You will enter the following information to begin:


  • Your account number
  • Your account type (from the drop down box)
  • Your first name
  • Your last name
  • Your 5 digit zip code

Step 2 – After you have entered this information and the system identifies you as the account holder, you will be prompted privately through the remaining secure enrollment process. You will be required to:

  • Create and enter a User ID in the Username box presented
  • Enter or confirm an email address where your password may be securely delivered to you
  • Click “Enroll”
  • You will return to the login page and be presented with a message of confirming your enrollment

Step 3 – Once your enrollment is complete you will have the ability to login with your secure login credentials and begin doing business online with this bank