michigan banking


Let us help you grow your money with a high yielding money market account.

retirement ira


Open our CD IRA and get a fixed rate of return of up to 3.51% APY, with an
eighteen month term, to meet your retirement goals.

cybersecurity with csb


We were chartered 112 years ago and expect to serve this community for generations to come.

Relationships are Made Here.

Full Service Banking with A Personalized Touch.

personal banking


business banking


bank loans


money market
Money Market
If you don’t have your banker’s cell number,
you should switch banks.
Let us be that bank.
winner of the best bank
Winner of the Best Bank
Citizens State Bank was honored to be awarded The Best Bank in the Community Choice Awards hosted by the Detroit Free Press for 2021
as seen in forbes and fortune
Best In Banking
Citizens State Bank was featured in Forbes & Fortunes Best in Banking in Michigan because of our commitment to our customers and to relationship banking


” The Citizens State Bank team is the highest caliber of professionals and made the loan process seamless!I highly recommend CSB for your banking needs! “


“ I have had mostly very good experiences with banks and bankers over the years. My recent experience with Dan and Rob at Citizens State Bank was exceptional. They created a bespoke portfolio loan for me to buy a home that suited my needs perfectly, and every interaction was not just helpful and painless but…


” I recently closed on a HELOC with Citizens State Bank. Working with other banks for years, both large and small, I can honestly say this was the mostpain-free process I have ever experienced.The people were friendly, knowledgeable, and truly worked hard for me as a customer. More importantly, they really made me feel valued…


man using citizens state bank online banking tool
online banking

Online Banking

Manage your finances whenever and wherever with Online Banking from Citizens State Bank’s SmartBank. Enjoy access to safe and secure online banking tools 24 hours a day, entirely for free.
bill pay

Bill Pay

With our easy-to-use Bill Pay service, you can pay everyone from utility companies to your dog walker. Say goodbye to writing checks, buying stamps, and making trips to the post office.
mobile deposit

Mobile Deposit

Use Citizens State Bank’s free Mobile Banking app to make check deposits from anywhere, anytime. It’s safe, easy and saves you the trouble of going to the bank.

Online Services

Wherever And Whenever



Years of

Every day we do our best to keep the smiles on our customers’ faces.
New technologies have become the core of what we do. We have developed tools that make everyday banking simple and convenient.



Types of

We offer a wide range of accounts to
meet your needs.


Citizens State Bank Extends a Helping Hand to Seniors for Thanksgiving

Citizens State Bank Extends a Helping Hand to Seniors for Thanksgiving

As Thanksgiving approaches, Citizens State Bank reaffirms its commitment to community well-being with a heartwarming initiative. Ann Lantz, Executive Vice President and Market President, spearheaded a collaborative effort with Krupps Mini Mart, a local pasty shop. Together, they reached out to bring comfort and joy to homebound seniors in Ontonagon. Approximately 100 seniors in Ontonagon…

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Empowering Success: Citizens State Bank Sponsors the Power of One Program

Empowering Success: Citizens State Bank Sponsors the Power of One Program

At Citizens State Bank, we’ve always believed in the power of community and education. On September 14, 2023, we took another step in our commitment to supporting these values by sponsoring the Power of One program fundraiser, organized by the University of Detroit Mercy Law School. The Power of One program is a transformative initiative…

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Citizens State Bank Welcomes New Additions to Board of Directors and Senior Leadership Team

Citizens State Bank Welcomes New Additions to Board of Directors and Senior Leadership Team

Citizens State Bank is pleased to announce the appointment of Feras Majid Shammami to its Board of Directors and Alex St. Clair to the position of Senior Vice President, Chief Commercial Credit Officer. Feras Majid Shammami, a Chaldean Catholic immigrant from Iraq, brings a wealth of expertise to the board with over two decades of experience in the banking…

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citizens state bank lobby

Request For Call Back

Are you interested in opening a checking account with us? Or maybe you are ready to get the home from your dreams? We are always happy to hear from you. Fill in the form and we will get back to you as soon as possible.

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