COVID-19 Virus Response


Banking Locations are Open! Just With A Few Adjustments.


The coronavirus (COVID-19) has led to big adjustments in our everyday lives, but one thing not changing is our commitment to serving you and your banking needs. We are dedicated to doing so in a manner that protects you, our staff and our community.


Update April 07, 2020


We are open to serve customers through drive-thru lanes, by telephone and by appointment in our lobbies.


Drive-up service is available at:

601 N. Madison St., Bay City Monday thru Friday 9:00-5:30 Sat. 9:00-noon

5424 State St., Saginaw Monday thru Friday 9:00-5:30 Sat. 9:00-noon

400 Ashman St., Midland Monday thru Friday 11:00-5:00 Sat. 9:00-noon


As the health and well-being of our customers and employee is our first priority, we strongly encourage you to utilize banking services that provide a healthy alternative for you and our staff. As needed we will continue to provide you with updates.


During Business Hours

Branch Drive Thru

By Phone- 989-799-7500

Courier Pick up for Business Deposits

Call for an appointment


24 Hour Services


Drop Box at all locations

Online Banking

Business Remote Deposit Service

Mobile Banking



Our Strength is a Very Important Part of Who we Are


1st State Bank is proud to hold the designation of a 5-Star Rated Bank, the strongest rating assigned by Bauer Financial, Inc., the nation’s leading independent bank rating firm.  1st State Bank will work constructively with customers to minimize adverse financial effects as we navigate our way around today’s challenges.


Enjoy peace of mind by making your deposits eligible for multi-million-dollar FDIC insurance. By working closely with Promontory Interfinancial Network, L.L.C. we can provide access to FDIC insurance through a single bank relationship. We can help with your personal savings, business funds or if you manage a local municipality. View information on our website (Business ICS tab) or call one of our Branch locations.


Lean on Us for Guidance


As a businessperson, your banking relationship is one of the most important relationships you have. We believe that having a strong relationship with an experienced and knowledgeable business banker is vital during these times. Our deposit specialists are cash management experts. Our lenders know you and our community. We are actively addressing the potential economic impact that this outbreak might have on you and your business.


Business Lending

We encourage you to contact your lender to discuss your questions and concerns. As always, we are here to advise and work through your individual situations.


As part of the effort to help those impacted by the COVID-19 outbreak the government has provided financial relief programs. For more information on Small Business Administration (SBA) Economic Disaster Loans click here. Visit the SBA website to apply.   


Deposit Services

There are several valuable services that will help make your day a little less stressful. If you currently are not taking advantage of our free Remote Deposit Service or free Deposit Pick-up Service don’t hesitate to contact us to get started. Cash Management Services



Mortgage Assistance


Whether you are looking for a way to make your payments easier each month or you have already fallen behind, there are options. We can work with you to determine the best option for your unique situation. On our home page click on Managing your 1st State Bank Mortgage and follow the prompts. or Call 1-800-669-4268


Be on the Lookout for Fraud

Please be aware that there are phishing attempts offering information on the Corona Virus.  Also, if you find yourself working in a different environment remember to think security and confidentiality.

Scammers may attempt to take advantage of the panic surrounding COVID-19. Be on the lookout for suspicious emails or texts. Do not click on links or attachments from unknown senders. Always verify if a website is legitimate before sharing sensitive information.


Visit for contact information