northstar bank customer service number

Medical Assistance (MA) provides health care coverage for people with low income, including families with children, pregnant women, adults without children. Since 1943, Bremer Bank has helped our neighbors live their own dreams, making the places we call home grow and prosper. (Andrea Meinhold), and support from the start from Mary Ziehm. Feel like I've had the opportunity to see the bank from many angles due to our business.

Northstar bank customer service number -

Mobile Remote Deposit Anywhere FAQ

Who is eligible for Mobile Remote Deposit Anywhere (mRDA)?  

Customers who have Online and Mobile Banking are eligible for the mRDA service. Customers must have an account opened for a minimum of 30 days. Restrictions may apply based on past utilization of the account.

When will my funds be available?  

Deposits submitted before 7 p.m. EST on a business day will generally be available the next business day. We may delay the availability if we require further review of the deposit. Any delay in availability will be communicated via eMail to the eMail address we have on file.

What types of checks can be deposited with mRDA?  

Northstar Bank’s mRDA can process checks payable in U.S. dollars and drawn on any U.S. bank, including but not limited to; personal, business and government checks. They must also be payable to and endorsed by the account holder.

International checks, U.S. savings bonds, U.S. postal money orders, remotely created checks (whether in paper form or electronically created), convenience checks (checks drawn against a line of credit), counter checks or third‐party checks are not eligible for deposit through mRDA.

Is there a limit in the amount I can deposit per day or month?  

You can deposit a maximum daily total limit of $5,000 and a maximum total calendar monthly limit of $25,000.

Additionally, limits may vary by customer, may be subject to change and may require managerial approval.

Do I photograph both the front and back of my check?  

Yes. During the deposit process, you will be required to photograph the front and back of your check.

How do I endorse my check for mRDA?  

You should sign your check with your name or business name and “For Mobile Deposit Only.”

What should I do with my check after it is deposited?  

After depositing your check using Mobile Deposit, please follow these best practice guidelines:

  • Write “Mobile deposit on Date” on the front of your check. The date should be the month, day and year of your deposit.

  • Securely store your check for 30 days after your deposit, mark “VOID” and then destroy it. This allows sufficient time in case the original check is required for any reason.

How will I know when Northstar Bank processes my deposit?  

When your deposit is processed, you will receive an eMail notification on the status of your deposit. This eMail will indicate if the deposit was approved, approved with adjustment or declined for processing. This eMail does not indicate funds are available. Successful deposits made before the daily cut‐off time will appear in your account history the following business day. 

Can I photograph more than one check at a time?  

You can photograph multiple checks in the same session. However, you may only photograph one check per deposit.  

What if the check photography is poor quality?  

You have the option to retake photographs of the check before submitting or you may cancel the deposit. If you are unable to photograph a clear image, please mail or deliver your deposit to the bank for processing. 

How can I get the best image of my check using mRDA?
  • Place your check on a dark‐colored, plain surface that’s well lit.

  • Position your camera directly over the check (not at an angle).

  • Fit all four corners in the guides of your mobile device’s camera screen.

How will I know if there is a problem with my mobile check deposit after I submit it?

There are several ways that you could be notified if there is a problem with your mobile check deposit after you submit it.

  • You may be alerted on your device after you hit submit. The message will alert you to the issue (for example: check must be endorsed “For Mobile Deposit Only,” check is not legible, etc.).

  • You may be alerted via the eMail address that we have on file if an issue has been detected prior to the deposit being credited to your account.

  • Longer delays may apply in accordance with Regulation CC. Any delay in the availability of your funds as a result of Regulation CC will be communicated via U.S. mail. Refer to the Funds Availability Policy Disclosure that was provided at account opening for details.

  • If a problem arises with your deposit, such as a returned check, we will send you written notice to the address we have on file via U.S. mail. Please do not redeposit the original check.

How long will my deposit history be available?

Deposit history will be available for five days within the Mobile Banking app > Deposit Check > Recent Activity. After the five days, it can be reviewed in your account history within the Mobile Banking app, through your Online Banking or on your monthly account statement.  

Charges may apply from your mobile service provider for data usage or text messaging. Please check with your mobile service provider for details.


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Privacy & Security


Through our everyday operations, NORTHSTAR BANK compiles and maintains confidential information on our customers. It is the policy of NORTHSTAR BANK to protect the privacy of this information by maintaining physical, electronic and procedural safeguards that comply with federal standards.

NORTHSTAR BANK takes your privacy very seriously. Please read the following to learn more about our Privacy Policy. This policy details how NORTHSTAR BANK receives, collects and uses information in connection with our website located at

The Privacy Policy can be viewed with Adobe Acrobat Reader.

View Privacy Policy


In order to constantly improve our Web Site and better serve our customers, NORTHSTAR BANK may use a software "cookie" when customers access our PC banking product. No "cookie" will contain any information that would enable anyone to contact consumers by telephone, email, or U.S. Mail. We do gather information including domain name, pages visited, length of user session, etc. This enables us to track how a visitor navigates through our site and the areas in which they show interest to evaluate the usefulness of our site, and those products and services that are of most interest to you. We only identify the site visitor if they voluntarily give us personal identifying information online. (A "cookie" is a small piece of information which a Website stores in the web browser of your PC and can later retrieve. A "cookie" cannot be read by a web site other than the one that set the "cookie". You can set your web browser to inform you when "cookies" are set or to prevent "cookies" from being set.)

NORTHSTAR BANK complies with The Children's Online Privacy Policy Act (COPPA), passed by Congress in October 1998, which requires the Federal Trade Commission (FTC) to issue and enforce rules concerning children's online privacy. The FTC issued the Children's Online Privacy Rule in November 1999; it has been in effect since April 21, 2000. The Rule's primary goal: to place parents in control over what information is collected from their children online. We do not knowingly solicit data from children, and we do not knowingly market to children. We recognize that protecting children's identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.


We restrict access to non-public personal information about you to those employees who need to know that information to provide products or services to you. Management will monitor employee access to customer information and will take appropriate disciplinary measures to ensure adherence to this policy. We use proven technology and established procedures for keeping your information secure. Whenever we ask for personal information on our Website or Internet Banking we use Secure Socket Layer (SSL) technology to keep it confidential.


NORTHSTAR BANK has established procedures to ensure the accuracy of customers’ financial information and that it is current and complete in accordance with reasonable commercial standards. It is the policy of NORTHSTAR BANK to address any requests to correct any inaccurate information on a timely manner. If you notice your information is not complete, accurate or current, please call us at the telephone number on your account statement to notify us. If you believe we have not complied with our Privacy Policy and Information Practices, you may contact us at the telephone number on your account statement. Please ask for the Compliance Department. We will investigate and respond to your concern.

NORTHSTAR BANK is committed to continue to provide quality products and services with the highest level of integrity regarding personal privacy.


In order to access your accounts online you must enter a unique user login ID and password. We strongly recommend that you choose a password that you can remember (without writing it down) but does not use information that can be easily guessed by someone. Avoid the use of birthdays, children's names, pet names, etc.  Do not reveal your user login ID or password to anyone and we encourage you to change your password every 30-60 days.

Never give out any personal or account information that is requested over the phone, through the mail or via email over the Internet unless you initiated the contact. If you believe your information has been compromised, please contact your local NORTHSTAR BANK branch immediately.


Knowledge is protection. NORTHSTAR BANK is committed to helping you prevent fraud by raising awareness and sharing best practices.

Common scams:

Fake Checks

Millions of consumers are being tricked into accepting genuine-looking checks and money orders and wiring money to fraudsters. Here are two examples:

  1. Sweepstake, lottery and grant fraud. Individual receives a check or money order with instructions to wire a portion to pay taxes or administrative fees.
  2. Overpayment. Scammer sends a check or money order for more than the amount for something the individual has for sale, with instructions to wire the extra to someone for shipping.

Identity Theft

Identity theft occurs when someone uses your address, name, Social Security number, credit card information, bank account number or other personal information without your knowledge to commit fraud or other crimes. With your personal information in their possession, identity thieves can establish credit, purchase items or borrow money in your name.

Your best protection:

  1. Never give out your personal or account information that is requested over the phone, mail or Internet unless you initiated the contact.
  2. Do not carry your social security number with you.
  3. Shred confidential papers. If you don’t have a shredder, ask for dates and times of our (free) community shred days.
  4. Check your credit report at least once a year.
  5. Reduce the circulation of your information through the mail by stopping to receive prescreened credit offers by calling 1-888-5OPTOUT.

Keystroke logging / Keylogging

Keystroke logging (often called keylogging) is the action of tracking/logging the keys struck on a keyboard. Keyloggers are “Trojan” software programs that target your computer’s operating system and are installed via a virus. The fraudster can steal your user ID and password and anything else you have typed while online.

Malware (Malicious Software)

Malware (malicious software) is software that is designed to infiltrate or damage a computer system without the owner's knowledge or consent. This software is used to steal personal information and illegally obtain funds. Common forms include: Keystroke Loggers and Trojan Horses.


Pharming redirects legitimate domain name requests to fraudulent websites, where users get prompted to enter personal data, such as passwords or credit card numbers. Similar to phishing, fraudulent sites are often made to look like legitimate ones. What differentiates pharming from phishing scams is that the fraudster does not have to rely on having the user follow a link in an email. Even if the user correctly enters a website address into a browser's address bar, the fraudster can still redirect the user to a fraudulent website.


Fraudulent E-mails can often appear to come from a reputable source – this is called spoofing/phishing because the sender's true identity is concealed. Never click on a link in a suspicious e-mail message. The fraudulent e-mails request you to access a website and validate or confirm your personal information. These websites appear to be genuine and may ask you to provide personal information. The site may even direct you to call a provided phone number to verify account information.

It may not always be easy to recognize fraud emails or pop-ups but the following are some precautions to be aware of:

  • Urgent Emails
    Watch out for e-mails with links, attachments or pop-ups that state an urgent reply is needed.
  • General Greetings
    Watch out for e-mails or pop-ups that provide a general greeting and don't identify you by name.
  • Typos and Errors
    Fraudulent e-mails or pop-ups may have typographical or grammatical errors. Watch out for poor visual and design quality.

Caller ID Spoofing

Caller ID spoofing occurs when a scammer deliberately falsifies the information transmitted to your caller ID display to disguise their identity and make you think the call is coming from a trusted source.  For more information, best practices on how to protect yourself or if you think you have been a victim of a Caller ID spoofing scam, you can file a complaint with the Federal Communications Commission.

Social Networking Risks

Online social networking can be a great way to exchange ideas, information, photos and games. However, the more information you provide about yourself, the easier it is for people to use these details to commit fraud.

Your best protection:

Do not reveal too much information on your social networking and only share your page with people you know.

Prevention Tips:

Your Best Protection to Prevent Online Fraud from Happening to you.

  • Use anti-virus and anti-spyware, as well as a firewall, and keep the software updated.
  • Only use a secure wireless network to conduct your banking. If you have a wireless router at home or work, ensure it is locked.
  • Businesses should perform a risk assessment and controls evaluation periodically.
  • Never follow a link in an email message that asks you to provide sensitive personal or financial information.
  • Never share your internet banking passwords.
  • Never give out your personal or account information that is requested over the phone, mail or Internet unless you initiated the contact
  • Frequently monitor your account activity – we recommend daily monitoring.
  • Reconcile all accounts and statements quickly.
  • Never send your personal information via unsecured email.
  • Only use your credit card number on Internet sites that have a secure, encrypted system (look for the "HTTPS" in the address line or lock icon).
  • Choose passwords and PINs that are difficult to guess, do not write them down and change them – we recommend to change them every 30-60 days.
  • When you have completed a bank transaction, be sure to properly log out instead of just closing the browser window.
  • When your computer is not in use, disconnect it from the Internet.
  • Stay informed.
  • Use a dedicated PC for conducting financial transactions. Turn it off when you’re done using it. No e-mail, Internet surfing or other applications on this PC. Segregate the PC from the business network.
  • Purchase insurance to reduce the risk of loss should fraud occur.
  • Businesses should use dual control. If you use our Online Cash Management to originate ACH files, establish procedures that require one individual to input the ACH file information and a different individual to verify, authorize and send the file to NORTHSTAR BANK.

Multi-factor Authentication

To ensure we offer the highest level of security for our internet banking customers, we have an additional layer of security to our log in process. At initial internet banking log in, you will select three challenge questions. If you log in to a computer or device that does not recognize you, you will be prompted to answer one of the questions to ensure your identity.


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Q-Cards/eAlerts notify you of account activity by sending you an e-mail when certain criteria is met. You can be notified when your account balance goes above or below a pre-determined amount you set.

Internet Banking > Other Services tab > Q-Cards tab

Regulation E

The main objective of regulation E is to protect our customers who engage in electronic fund transfers (EFTs). When you opted-in, this was a way for us to identify that you approved NORTHSTAR BANK to authorize and pay overdrafts and assess fees. 

Any account that enters into and EFT agreement, whether that agreement is between you and NORTHSTAR BANK or you and a third party (for pre-authorized debits or credits) is covered by regulation E. EFT transactions include:

  • ATM deposits/withdrawals
  • Any transfer of funds initiated through an electronic terminal, telephone or computer.
  • Transfers sent via ACH (i.e. social security direct deposits, payroll direct deposits).
  • Transfers from an account authorized by the use of debit card information, even if no electronic terminal is used in the transaction.
  • Transfers via ACH where a consumer has provided a check to enable the merchant or payee to capture the routing number, account number and serial number to initiate the transfer.
  • Payments made by a bill payer under a bill payment service available to a consumer via computer or other electronic means. (Unless the terms of the bill payer service specifically state payments are made by check, draft or similar paper instrument.)

SSL Technology

We use proven technology and established procedures for keeping your information secure. Whenever we ask for personal information on our website or internet banking we use Secure Socket Layer (SSL) technology to keep it confidential.

User IDs and Passwords

In order to access your accounts online you must enter a unique user login ID and password. We strongly recommend that you choose a password that you can remember (without writing it down) but does not use information that can be easily guessed by someone. Avoid the use of birthdays, children's names, pet names, etc. The best password is one that is a random combination of 7-10 characters and contains numeric, alphabetic and special characters. Do not reveal your user login ID or password to anyone and change your password every 30-60 days.


NORTHSTAR BANK may contact you to review general banking or account information, but we will never randomly contact you (via phone, text, letter or e-mail) asking for your personal account information.

Please immediately contact your local NORTHSTAR BANK office if you notice suspicious account activity.

Steps You Should Take if you are a Victim:

  1. Contact your local NORTHSTAR BANK branch (or any of your financial institutions).
    Colby Green, Lenox/Richmond Branch Manager (586) 727-8842
    Lori Kociba, Ubly Accounts Specialist (989) 658-2180
    Christine McNabb, Port Huron and St. Clair Branch Manager (810) 329-6364 
    Marie Stafford, Bad Axe Branch Manager (989) 269-3599
    Todd Tate, Pigeon Branch Manager (989) 453-3999
    Chantal Tran, Ann Arbor Assistant Branch Manager (734) 527-4116
    Joe Turner, Akron and Caro Branch Manager (989) 672-8109
    Amber Voigt, Algonac Branch Manager (810) 794-8230

  2. Cancel all credit/debit/ATM cards immediately – keep all toll-free numbers, along with account numbers, in a safe place where you can find them easily.

  3. File a police report immediately, in the jurisdiction in which your identification was stolen. This shows credit providers you were diligent and it is a first step toward an investigation.

  4. File a complaint with the Federal Trade Commission or contact the FTC's identity theft hotline at (877) ID THEFT / (877) 438-4338.

American Bankers Association - Protect Yourself and Your Money

Federal Deposit Insurance Corporation (FDIC) - Cybersecurity

Federal Deposit Insurance Corporation (FDIC) - Consumer Protection

Federal Deposit Insurance Corporation (FDIC) - Consumer Assistance Topics

Federal Trade Commission - Bureau of Consumer Protection

Federal Trade Commission - Protecting Personal Information: A Guide for Business

Apply now!

Charlene Maedel-Lomp
Port Huron Branch
NMLS 744948

Your Money is Secure

Here are some highlights from the FDIC regarding bank operations/deposit insurance.

If my bank has temporarily reduced branch access or is not open, is my money still insured?

In difficult circumstances, some banks may need to temporarily limit operations to protect the
health of their employees and customers. This may include closing a lobby, converting to drive-thru
only services, or encouraging customers to use ATMs or digital channels to access their

Regardless of the bank’s operating conditions, your money is insured by the FDIC. Deposits with
an FDIC-insured bank or savings institution will continue to be protected up to at least $250,000.

Please see additional information regarding deposit insurance.

Will there be enough cash during a pandemic or other national disaster?

The Federal Reserve System has and will continue to meet the currency needs of banking
customers. Be assured that sufficient resources are available to handle customer needs.

Keep in mind, the safest place for your money is inside a bank. Banks will continue to ensure
that their customers have access to funds either directly or electronically, and inside an FDIC insured
bank, your funds are protected by the FDIC.

Is there anyone I can speak with if I have detailed questions about my FDIC deposit insurance coverage?

Yes. The FDIC has a team of subject matter experts available to answer your questions. Please
call 1-877-ASK-FDIC (1-877-275-3342) and ask to speak to a Deposit Insurance Subject Matter
Expert between 8:30AM- 5:00PM Monday-Friday.

If you prefer, you can also contact the FDIC in writing through our FDIC Deposit Insurance Form
via the FDIC Information and Support Center at:

For additional FAQs from the FDIC, please click here.

For the FDIC website, please click here.

Apply now!

Lori L. Schornack
Bad Axe Branch
NMLS 744109
Email Apply now!

Ways to Apply

When you are ready to apply for a loan, Northstar Bank has quick and easy options:

  1. Online Application: Click the "Apply now!" link next to a member of our loan team
  2. Face-to-Face Appointment: Contact a member of our loan team
  3. Telephone Application: Contact a member of our loan team

Regardless of what option you choose, your application will receive personal attention, along with a quick turnaround time.

Loans are subject to credit approval.

northstar bank customer service number