Mobile Banking is here!

Manage your money on-the-go with free mobile banking. Log in from your phone or tablet to get started!

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Central State Bank and State Savings Bank to Merge


After lengthy and careful consideration, the boards of directors of Central State Bank and State Savings Bank have voted to combine our two banks into a single institution.  Subject to regulatory approval, the combined bank will operate as State Savings Bank, with offices in Beulah, Frankfort, Benzonia and Empire.

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Click Here to read the press release.


New Loan Center In Traverse City


State Savings Bank now has a new loan center in downtown Traverse City located at 416 E. Front Street. We would also like to announce that two new mortgage lenders have joined the bank at our new location.  Peggy Campbell is now vice president of mortgage lending and Linda Waisanen has joined as assistant vice president of mortgage lending. 

Click Here to read more information.

Click here to read the press release

Protect Yourself From Holiday Scammers

During the holidays, scammers are out in full force. Understand the potential security risks and know how to protect yourself and your personal information.  The latest scam involves receiving fake calls from "Bank of America" (1-877-733-5734) about a Visa or Mastercard. 

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Security Update

Digital Insight Digital Banking not impacted by Windows Schannel vulnerability.

We take security threats very seriously and prioritize the secuity of your account information and credentials. You may have heard about the recent Schannel bug in Windows. We want to assure you our online banking vendor has strong security measures in place to prevent this vulnerabilty.


703 Main Street
P.O. Box 1169
Frankfort, Michigan 49635
(231) 352-9691


11470 S. Leelanau Hwy
P.O. Box 476
Empire, Michigan 49630
(231) 326-4003


527 Main Street
Frankfort, Michigan 49635
(231) 352-5347


416 E. Front Street
Traverse City, Michigan 49686
(231) 943-2543


By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit