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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We’re in town. Let’s get in touch.

Would you like to learn more about 1st State Bank? We’d like to learn more about you. In whatever is the easiest way for you to get in touch.

In Person

Visit any of our offices:

Main Office: 4800 Fashion Square Blvd., Suite 100, Saginaw
5424 State Street, Saginaw
Downtown Bay City: 601 N. Madison, Bay City
3907 Wilder Road, Bay City
Coming Soon! 400 Buttles, Midland

By Phone or E-mail

Talk to one of our business banking experts at 989.799.7500.

You can also e-mail us at: This email address is being protected from spambots. You need JavaScript enabled to view it. or use this convenient contact form:

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