BUSINESS

Municipal

Solutions That Work for Your Municipality

At First State Bank, we’re more than just a bank—we’re your dedicated financial partner, committed to helping municipalities thrive. As a proud member of Macomb County, we understand the unique financial needs of local government entities and offer solutions designed to support economic growth and community success.

Supporting Local Growth: Banking with us means keeping funds within the community, strengthening the local economy.
Tailored Financial Strategies: We provide specialized solutions designed specifically for municipalities and government entities.
Personalized Service: Your dedicated Municipality Ambassador is always available to provide expert guidance and customized recommendations.
Convenience on Your Terms: No need to visit a branch; we’ll meet you at a location that works best for you.

Municipal Deposit Accounts

Municipal Checking: An interest-earning checking account tailored to government entities

Tiered interest rates to maximize earnings
Flexible cash management tools to enhance efficiency and reduce costs
Seamless integration with financial management software like QuickBooks®

Municipal Certificates of Deposit (CDs): A low-risk savings option with a guaranteed rate of return

Additional Services for Municipalities

ICS/CDARS

Manage large cash deposits with confidence. With ICS® & CDARS®, your municipality can access millions in FDIC insurance through a network of participating banks—all while working directly with First State Bank. Easily and securely manage funds in demand deposit accounts, money market accounts, or CDs.

Learn More About ICS/CDARS

Merchant Services

Simplify payments and operations with Clover®, an all-in-one point-of-sale system:

Accept multiple payment types, including chip cards and digital wallets
Protect transactions with built-in security features
Customize payment and business management solutions to fit your needs

Learn More About Merchant Services

Lockbox Services

Streamline payment processing and reduce administrative burdens:

Customer payments are directed to a secure lockbox, eliminating manual handling
Payments are processed quickly by a Michigan-based team, improving cash flow
Reduce trips to the bank and accelerate deposit posting times

Learn More About Lockbox Services

Municipal Ambassadors

Natalie Boivin

Branch Manager

NMLS #1698056

586-445-6661

nboivin@fsb.bank

Clinton Township: Groesbeck

Michelle Emphrey

Branch Manager

NMLS #2329230

586-445-6661

memphrey@fsb.bank

St. Clair Shores: Mack

Maria Moss

Branch Manager

NMLS #847608

586-863-9354

mmoss@fsb.bank

Chesterfield Township

Marie T. Pollizzi

Branch Manager

NMLS #1680916

586-863-9348

mpollizzi@fsb.bank

Rochester

Robin Thomas

Branch Manager

NMLS #1260258

586-498-7453

rthomas@fsb.bank

Sterling Heights

Let’s Build a Stronger Community Together

When you choose First State Bank, you gain a financial partner dedicated
to your municipality’s success. Connect with us today to explore customized solutions
designed to support your community’s financial well-being.

Connect with Us Find a Branch

*Annual Percentage Yield (APY) is accurate as of 1/8/2025. You must deposit at least $1,000 to open a Municipal CD and earn APY. This account earns interest at a fixed rate for the term. These rates may change at any time without prior notice. Fees could reduce earnings on the account.