Main Office:

501 River Street
PO Box 187
Ontonagon, Michigan


  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

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In response to the COVID-19 public health situation, we have temporarily closed the bank’s lobby to the public.¬†We will remain open to serve you by drive-thru only during normal business hours. Please note that our lobby (Loan Officers, Bookkeeping etc.) will be accessible by appointment. You can make an appointment by calling 906-884-4165.

The Drive-up will be available from 8:30am-5pm, Monday-Thursday, 8:30am-5:30pm on Friday. As always, you can access your account by ATM, online banking ( and the Citizens State Bank Mobile App 24 hours a day, every day. We are also available by phone at 906-884-4165 from 8:30am-5pm, Monday-Thursday, 8:30am-5:30pm on Friday. We can and want to help, let us know how we can serve you.

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. 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