Home Improvement Time!

A home equity loan from State Savings Bank is a fast and affordable way to tackle your dream project.

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Protect Your Debit Card

SecurLOCK Equip is here! The power to protect your debit card is in your hands.


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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.