Deposit Accounts

Regardless of the size of your organization, we have a solution for you to manage cash, from a simple straightforward checking account to a more customized approach to help manage complex banking needs. A 1st State Banker will help you select the account that is right for you.


  • No monthly activity charge
  • No monthly maintenance fee
  • No minimum balance requirement
  • Unlimited transactions allowed (Items include checks paid and other debits, deposits and other credits, and checks deposited)

Plus Checking

  • No minimum balance requirement
  • Tiered interest rate
  • 250 items allowed
  • Excess fees $0.25 per item over 250

Premium Money Market

  • $25,000 Average Monthly Balance to avoid maintenance charge
  • Tiered interest rate
  • Unlimited withdrawals if done in person or at the ATM
  • Preauthorized withdrawals, electronic transfers, or checks are limited to six per month

Public Funds

Portrait of Laura Yockey

Laura Yockey

SVP, Business Lending Manager

(989) 596-0842

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Portrait of Keith Wenzel

Keith Wenzel

Main Office Branch Manager

(989) 799-7500

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Portrait of Lesley Makl

Lesley Makl

State Street Branch Manager

(989) 596-7500

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Portrait of Julie Merrill

Julie Merrill

Downtown Bay City Branch Manager

(989) 322-7500

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Portrait of Amy Grochowski

Amy Grochowski

Wilder Road Branch Manager

(989) 439-7500

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Portrait of Carl Ahearn

Carl Ahearn

Downtown Midland Branch Manager

NMLS #645461

(989) 492-7500

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Portrait of Meleah Retzloff

Meleah Retzloff

Customer Engagement Officer

(989) 596-0830

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For More Information

Visit any of our Banking Offices or please Contact Us.

Offices Contact Us