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


Our full service checking accounts
have been designed to meet
your needs.


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

How Can We Help You?




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
Citizens State Bank was honored to be awarded The Best Bank in the Community Choice Awards hosted by the Detroit Free Press for 2021
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…


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

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

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.


OAHA Youth Hockey Team Receives New Jerseys

OAHA Youth Hockey Team Receives New Jerseys

Good luck this season, Mini Miners!We are so proud to have been able to sponsor the OAHA Youth Hockey teams jerseys this year.OAHA strives to make hockey a sport all of the community’s interested youth can play. They provide all of the protective gear and equipment so that anyone can come in and play and…

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Rise in School Spirit—Local Bank Gives Back to Ontonagon Area Schools

Rise in School Spirit—Local Bank Gives Back to Ontonagon Area Schools

During the first week of school in September of 2022, the students of the Ontonagon Area School District were sent home with submission slips, to be filled out and returned to receive a piece of Gladiator apparel at no cost. Each student got to choose a style of apparel featuring the Ontonagon School’s proud mascot,…

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After Hours with the Bloomfield Birmingham Chamber

After Hours with the Bloomfield Birmingham Chamber

After Hours with the Bloomfield Birmingham Chamber Citizens State Bank welcomed members of the Bloomfield Birmingham Chamber of Commerce to the new headquarters for a dynamic networking event.

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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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MEA TV with Wally Jaden

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