How we protect you and your money from scammers and identity thieves is our highest priority. We invest a significant amount of time, money and training to ensure your personal information stays confidential and secure.

Multiple Authentication Checks

When you sign in for the first time or with a device we don’t recognize, we’ll ask you for your username, password and a temporary identification code, which we’ll send you by email or text message. Once you give us the identification code, we’ll sign you securely into your accounts. This multi-step process helps us protect your accounts and lets us recognize your device the next time you sign in.

Fraud Monitoring

We monitor your account 24 hours a day to help detect fraud as early as possible.  We might call you if we notice a change in your online or spending activity, but we’ll never ask you for personal information over the phone.

Secured Messages

Secure messages you send us (or we send you) through online banking are protected, but messages you send to us outside online banking (like through traditional email) might not be secure. If you need to send us Social Security numbers, account numbers or other confidential information, please only send it in a secure message on online banking or via our secured lending portal using DocuSign. You can also call us, visit one of our branches or send it by U.S. mail.


We use 128-bit encryption technology to protect your username, password and other personal account information when you’re using our or the Michigan First Mobile app. You’ll know your information is encrypted when the page you’re on starts with “https://” and you see a lock symbol in your web browser.

It should look something like this, with slight differences depending on what web browser you are using. Below is an example from Google Chrome.

Fraud Protection Secured Homepage

Trained Team Members

Michigan First has a strict code of conduct when it comes to supporting the integrity and ethical standards we expect from our team members. Each team member is required to go through monthly training on how to protect an secure your personal information, as well as guidelines to limit access to confidential information and restrictions on how we use and your information for certain processes and transactions.

How to Protect Yourself