If you suspect fraud in connection with your First Michigan Bank accounts, contact First MIchigan Bank right away.

Lost or stolen ATM / Debit Card

If your ATM or Debit card is lost or stolen, please follow these steps:

·         Report your card lost or stolen immediately by calling First Michigan Bank at (800) 462-2786. No matter where you are, report lost or stolen cards to minimize loss and liability.

·         Notify all of the participating merchants with whom you have set up automatic bill payments. Once First Michigan Bank issues you a new card, you will need to reestablish automatic bill payments with your new card at the participating merchants.

Email and online fraud

If you suspect you have received a fraudulent Email, forward it to us immediately at firstmichiganbank.com. Please do not use this email address to send general questions about the bank or your accounts. If you have general questions, please contact us.

If you are uncomfortable forwarding the Email, you may also call First Michigan Bank and report it at (800) 462-2786. Please be sure to write down the title of the Email, the sender and names of any attachments before deleting the email.

If you are in doubt as to whether or not an Email is legitimate, do not respond to it. If the questionable Email offers a link asking you to provide personal information on a Web page, do not click on the link, even if it looks genuine. In any cases of uncertainty, please contact First Michigan Bank directly at (800) 462-2786.

If you suspect you have provided personal information online in response to a fraudulent Email, immediately notify First Michigan Bank at (800) 462-2786. You should also follow these steps:

·         Make sure to change all of your passwords immediately.

·         If you opened an attachment containing a virus or other malicious program, you should clean your computer system using anti-virus software and change your Internet and system passwords.

·         Monitor your account activity frequently and report any suspicious activity to First Michigan Bank. If you do not recognize a transaction or suspect fraudulent activity, notify First Michigan Bank immediately at (800) 462-2786.

You should also contact one of the three major credit bureaus and discuss whether you need to place a fraud alert on your file, which will help prevent thieves from opening a new account in your name.

Equifax:(800) 525-6285

Experian:(888) 397-3742

TransUnion:(800) 680-7289

Identity theft

If you suspect you are a victim of identity theft, you should take at least the following steps:

·         File a police report with your local police department.

·       Contact the fraud units of the three major credit bureaus:

Equifax:(800) 525-6285

Experian:(888) 397-3742

TransUnion:(800) 680-7289

·         Call the Federal Trade Commission (FTC) Identify Theft Hotline at (877) ID-THEFT (438-4338) or visit  www.consumer.gov/idtheft

·         Notify First Michigan Bank by calling us or visiting your banking center.

·         Depending on the type of fraud that has been committed, you may need to take some additional steps. For example, if your Social Security Number was used under false pretenses, call the Social Security Administration's Fraud Hotline at (800) 269-0271 or visit www.ssa.gov/oig.

Check Fraud

Please contact us immediately at (800) 462-2786 if:

·         Your checks are lost or stolen.

·         You do not receive your First Michigan Bank statement.

·         You see check transactions on your statement or Online Banking account history that you did not write.

All of the suggestions, tips, and guidance are for informational purposes only. They are general guidelines provided to assist fraud victims in understanding some of the steps they may take to help protect their personal and financial interests. The suggestions are not all inclusive and should not be considered nor interpreted as legal, accounting, financial or technical advice. You may wish to consult your attorney, accountant or other advisor for specific advice, guidance or recommendations concerning this topic.