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Michigan First BankMember FDIC · Est. 1974

Home / Business Banking

Business Banking

From the corner shop to the growing manufacturer — treasury, lending, and payments that scale.

Accounts & Treasury

Move money with confidence and keep working capital working.

Business Checking

200 free transactions/month, then $0.35 each. Free for the first year.

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Treasury Management

ACH origination, wires, positive pay, and remote deposit capture.

Merchant Services

Card acceptance in-store and online, next-day funding available.

Payroll & ACH

Same-day ACH and integrated payroll for teams of any size.

Lending built for Michigan business

Our commercial lenders are local, and so are the decisions. Lines of credit, term loans, equipment financing, and SBA 7(a) and 504 programs — underwritten by people who know the market.

Working-capital lines from $25,000
Owner-occupied commercial real estate
SBA Preferred Lender

Explore business loans

✓ Secure Online Banking

128-bit encrypted sign-on, account alerts, and 24/7 fraud monitoring on every account.

✓ $0 Fraud Liability

You're never responsible for unauthorized online transactions when reported promptly.

✓ Local, Since 1974

Personal bankers at every Michigan branch — decisions made close to home.