Business moves fast. Banking decisions need to keep pace. That's why we won't make you wait as your decision winds through a corporate maze. Our decision makers are just down the hall. If you'd like to meet them, get in touch, because they're right here in town.

Contact our head office now:

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Running it by the head office means walking it down the hall.

Your Choice. Our five convenient offices in Saginaw, Bay City and Midland. Scan deposits from your desktop. Our courier deposit pickup service. Or online. 1st State Bank makes banking easy — wherever you are. It's our way of staying in touch — wherever you are in town.

Find out about our place now:

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Where would you like to do your banking?

Somewhere, far away, there's a cavernous officeplex where nameless people see if all the right boxes are checked before they approve a loan application. And then there's 1st State Bank. Where decisions are made by the person sitting in front of you. A person who's in town. All you need to do is get in touch.

Let’s get face-to-face right now:

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Our lending is face-to-face. Not face-to-ginormous-processing-center.

1st State has the best business checking account. With your choice of free courier service or remote deposit. No fees. No minimum balance. No other conditions or restrictions. No catches or tricks up our sleeve. No kidding.

So get in touch. Soon. Because every day you wait is another fee you have to pay.

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The best things in life are like our checking account. Free.

You open an account with one bank. It gets acquired by another … and then another. Suddenly you’re no longer a customer in a bank that knows you. You’re just another number ”serviced“ from a call center far away. Or you open an account with 1st State Bank. Where you‘ll always be a big part of a tight-knit family. One that stays in town. All you need to do is get in touch.

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There’s a lot of change in the banking world. New policies. New ownership. New leaders. New staff. Are you having a hard time keeping up with changes at your bank? Then maybe it’s time to change banks. To one that’s based right here in mid-Michigan. To one that’s designed to serve the needs of people like you. To one that offers the flexibility and service you can only really get from a ”local“ bank. Maybe it’s time to change to 1st State Bank. And we’ll show you how one change in the banking world can be a great change for you.

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Sometimes getting down to business means getting down to the bank. But bank mergers and impersonal policies make it harder for a business to actually “do business.” It’s like you’re a stranger to them. Maybe you need a “local” bank. Switch to 1st State Bank. We work to understand you, your company, and what you need to keep things running. Come on down. We’re here for you.

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In town. In touch.

For most of the last 30 years, small local banks have been disappearing, acquired by large regional and national institutions. We believe that has made business banking more difficult, particularly for small and mid-sized businesses.

In 2004, we decided to change that. We launched a bank owned by local investors and managed locally. We staffed it with some of the region’s finest business lenders. And we quickly became the fastest-growing business-focused bank in the Great Lakes Bay Region.

We offer a full portfolio of lending and deposit services. And while we call ourselves a bank for business, we also offer all the services you need for your personal banking, as well.

Would you like to learn more? Look here … or contact us. We’d love to get in touch.