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First Michigan Bank is participating in the Transaction Account Guarantee Program the FDIC approved November 21, 2008. Under the program, all non-interest bearing transaction accounts and low-interest NOW accounts (defined as NOW accounts with interest rates no higher than .25 percent) are fully guaranteed by the FDIC for the entire amount in the account through December 31, 2010. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules

On July 21, 2010, FDIC deposit insurance was permanently increased from $100,000 to $250,000 per depositor for each account ownership category.