Christmas Gift Tree

Help less fortunate families have a brighter Christmas this year!


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Thank you!

State Savings Bank is proud to be voted Benzie County's Best Financial Institution by Record Patriot readers!



Our history

New Contact Information?

To ensure the best possible service, please update your address or phone number by calling your local office or letting us know the next time you are in the office.

Mobile Remote Deposit

Deposit a check into your account wherever you are, whenever it’s convenient for you.

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Bank with us!

Ready to get started? Open your checking or savings account online, over the phone, or stop into one of our offices.




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A Proud History

Since 1901, State Savings Bank has been caring for the financial needs of our neighbors in northwest Michigan. Because our roots run deep here, we can better serve you.


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

Since first opening our doors more than 115 years ago, we now have loan centers in Traverse City and Gaylord and banking offices in Frankfort and Empire. 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.