Main Office:

501 River Street
PO Box 187
Ontonagon, Michigan


  Main Lobby:
    Monday - Friday: 9am - 5pm
    Monday - Friday: 8:30am - 5pm

  Cash Dispensing ATM
    available 24 hours

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Coming Soon Citizens State Bank’s new and improved website! Starting June 28th your website and online banking will have a brand-new look! The website is moving to But don’t worry we will redirect you from Be sure to stop back and check out the new site and update any online banking shortcuts you may have saved.

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