Discover "Yes, I can!" Banking

State Savings Bank offers full-service banking throughout northern Michigan — including personal and business banking, mortgage and consumer lending—and a refreshing “Yes, I can!” approach to customer service.

From exceptional Online Banking to free ATM transactions, banking with State Savings Bank is convenient, innovative and user-friendly. Ready to get started?  Learn more about opening a checking or savings account here, over the phone, or stop into one of our offices. Here's a list of our locations.


Open Your Account

Clip Art of PeopleVisit One of Our Full-service Offices
State Savings Bank has full-service banking offices in  Benzonia, Beulah, Empire, Frankfort, Gaylord and Traverse City. Click here for hours at each location.

Clip Art of MoneyWe Refund Other Banks’ ATM Surcharges!
State Savings Bank will refund up to $20 of other banks’ terminal surcharges each statement cycle! Plus, you can withdraw funds at any ATM without a “foreign ATM charge”—up to five transactions per statement cycle. Learn more.

Clip Art of ComputerExceptional Online Banking
Online Banking allows you to manage your finances from your computer, tablet, or smartphone. Whether you’re looking to check your accounts, pay a bill, or transfer money to another account, our interface is intuitive and easy to use. Learn more.

Clip Art of CheckMobile Remote Deposit
With Mobile Remote Deposit, it’s easier than ever to deposit a check into your account wherever you are, whenever it’s convenient for you. Download the State Savings Bank mobile app, log in to your Online Banking account, and take a photo of your check to instantly make a deposit—no trip to the bank required. Learn more.

Clip Art of Mobile PhoneDownload Our Mobile App
With the State Savings Bank Mobile App, you can do all your banking right on your phone or tablet. Our app is available in Google Play and the Apple App Store and is compatible with Android and iOS operating systems. You can check your accounts, make a transfer, pay a bill, or even deposit a check via Mobile Remote Deposit. Learn more.

Clip Art of Letter in MailboxDeposit Cash and Checks at Our ATMs
Our ATMs in Traverse City and Gaylord can accept cash and check deposits 24 hours a day, seven days a week. ATM locations.

Clip Art of Tablet/Touch ScreenManage Your Finances with Personal Financial Manager
We provide a powerful integrated personal financial manager, accessible both in your browser and through our free, easy-to-use mobile banking app. View all of your personal accounts in one place by linking external accounts, create a budget and track your spending, and organize all of your transactions into categories with simple descriptions. Learn more about Personal Financial Manager.


Open Your Account