Main Office:

501 River Street
PO Box 187
Ontonagon, Michigan


White Pine
Mass City


  Main Lobby:
    Monday - Thursday: 8:30am - 3pm
    Friday: 8:30am - 5pm
    Monday - Thursday: 11am - 5pm
    Friday: 11am - 5:30pm
    Saturday: 9am - noon
  Cash Dispensing ATM
    available 24 hours

Mass City
  Tuesday: 9am - 4pm
  Friday: 9am - 6pm

White Pine
  Monday, Wednesday & Friday: 9am - 2pm

Welcome to The Citizens State Bank of Ontonagon, Michigan

The Citizens State Bank has been continually serving the area since 1910. Since its beginning, the bank has continued to improve the quality of life for its customers and promoted community growth.

As your Hometown Bank, we are locally owned, locally operated, and locally directed, with branches in Mass City and White Pine. We are committed to providing you with personal quality service.


  • Savings
  • Checking
  • Interest Checking
  • Club Checking
  • IRAs
  • Money Market Plus
  • Savings Certificates


  • Auto Loans
  • Mortgage Loans
  • Commercial Loans
  • Personal Loans
  • Appliance Loans

Convenience Banking

  • Night Depository
  • Drive-In Banking
  • Direct Deposit
  • Safe Deposit Service
  • Bank Drafts
  • Cash Dispensing ATM – Ontonagon Office Walk-Up