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- We refund other banks’ ATM fees! State Savings Bank will refund up to $20 of other banks’ ATM surcharge fees each statement cycle! Plus, you can withdraw funds at any ATM without a “foreign ATM charge” – up to five transactions per statement cycle.
- Important Information for Former Central State Bank Account Holders
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 115 years ago, we now have banking offices in Benzonia, Beulah, Empire, Frankfort, Gaylord, and Traverse City and a loan center in 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.