Customer Care Center has expanded hours!

Now available weekdays 8:00 a.m.–7:00 p.m. and Saturdays 9:00 a.m.–12:00 noon.


Reach out if you need a hand

the Roof


Exterior progress at our new Traverse City office is going quickly now … we’ve got a roof over our heads!




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Free Coin Machine



Our traveling coin machine has stopped in Frankfort! For a limited time, customers are invited to bring their piggy bank to our Frankfort office and walk out with their coins converted to cash!

E-statements are better!


For greater security and convenience, switch to electronic statements.




Click for 5 reasons to make the switch

We’ve got history together.

Since 1896, State Savings Bank has been caring for the financial needs of our neighbors in northern Michigan. Because our roots run deep here, we can better serve you.


Learn more about our history

Discover “Yes, I can!” banking

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Latest News


State Savings Bank is a full-service community bank dedicated to caring for the financial needs of our neighbors in northwest Michigan. 

After first opening our doors more than 125 years ago, we now have banking offices in Beulah, Empire, Frankfort, Gaylord, Suttons Bay and Traverse City and loan centers in Big Rapids, Caro, and Houghton Lake. State Savings Bank offers checking and savings accounts, CDs, IRAs; mortgage, home equity, consumer, and commercial loans; and business cash management including ACH and remote deposit. 

Our employees live, work and volunteer in our communities, so when you bank with us, you're being taken care of by someone who knows you. You'll always receive individual attention—the kind of personal service you'd expect from a good neighbor. That's what makes us the "Yes, I can!" bank.