Part of the First State Bank chain · locations
First State Bank logo

First State Bank in Eastpointe, MI

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Eastpointe, MI's First State Bank branch on East 9 Mile Road offers personal and business banking services with convenient local access.

Data compiled from public sources

First State Bank Review

The First State Bank branch is located at 16100 E 9 Mile Road in Eastpointe, MI, operating as a standalone facility in this established residential and commercial area. This Eastpointe location serves the local community with standard branch banking services and drive-up ATM access for customer convenience.

This Eastpointe branch provides deposit accounts, loan services, and general banking transactions. Customers visiting this location can conduct routine transactions during standard business hours.

Residents of Eastpointe, MI visiting this First State Bank branch should bring valid government-issued identification. The location is convenient for local banking needs and community members can use the branch for both personal and business banking.

Services & Features

Business credit cards
Business lines of credit
Certificates of Deposit (CDs)
Checking accounts
Home equity lines of credit (variable-rate)
Home equity loans (fixed-rate)
Mobile banking with deposit capture
Mortgage loans (purchase and refinance)
Online banking with bill pay
Personal credit cards
Personal loans
Savings accounts

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • FDIC-insured deposits backed by U.S. government listed refund term
  • Nationwide fee-free ATM access despite regional footprint
  • Competitive CD rates (4.20% APY on 13-month with qualifying account)
  • Home equity promotional rates as low as 6.49% APR for first 12 months
  • Mobile banking with mobile deposit capture capability
  • Over 100 years of established banking history and community trust
  • Personalized service model with local decision-making authority

Cons

  • Limited geographic presence restricted to Southeast Michigan only
  • Current digital platform undergoing major upgrade (not launching until May 2026), suggesting existing digital tools may be outdated
  • No mention of specific checking account APY rates or promotional checking bonuses on homepage
  • Limited transparency on personal loan rates, terms, and eligibility criteria

State Consumer Finance Context

This is state-level context for Banks consumers in Eastpointe, MI. It does not confirm that First State Bank or this specific location is licensed.

State regulator

Michigan Department of Insurance and Financial Services

Key state rules to check

  • Payday loans (deferred presentment) capped at $600 with tiered fees: 15% first $100, 14% on $100-$200, 13% on $200-$300, etc.
  • Maximum loan term is 31 days; rollovers prohibited.
  • Borrowers limited to one payday loan at a time.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does First State Bank offer?

First State Bank offers 12 services including Checking accounts, Savings accounts, Certificates of Deposit (CDs), Personal loans, Personal credit cards, and 7 more.

What profile signals are listed for First State Bank?

First State Bank has profile signals associated with Southeast Michigan residents prioritizing personal relationships and local banking experience context, Small business owners seeking relationship-based lending and business banking advisory, Homeowners interested in home equity loans with promotional introductory rates, Long-term customers valuing stability and community-focused banking over digital innovation.

What are the strengths and weaknesses of First State Bank?

Key strengths: FDIC-insured deposits backed by U.S. government listed refund term; Nationwide fee-free ATM access despite regional footprint; Competitive CD rates (4.20% APY on 13-month with qualifying account). Areas to consider: Limited geographic presence restricted to Southeast Michigan only; Current digital platform undergoing major upgrade (not launching until May 2026), suggesting existing digital tools may be outdated.

How does First State Bank compare to similar companies?

In the Banks category, comparable providers include 1st State Bank, Alden State Bank, First Independence Bank. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Founded
1917
Headquarters
Eastpointe, MI
BBB Accredited
No
Certifications
FDIC Insured FDIC Cert #15032
Visit First State Bank

CreditDoc Profile Note

Research Note on First State Bank

First State Bank is profile signals for Southeast Michigan residents and small business owners who value personalized service, local decision-making, and community connection over cutting-edge digital banking. The primary caveat is geographic limitation to Southeast Michigan and reliance on an aging digital platform that won't be updated until May 2026, making it less suitable for tech-forward customers or those requiring national banking capabilities.

Profile Signals

  • Southeast Michigan residents prioritizing personal relationships and local banking experience context
  • Small business owners seeking relationship-based lending and business banking advisory
  • Homeowners interested in home equity loans with promotional introductory rates
  • Long-term customers valuing stability and community-focused banking over digital innovation
Updated 2026-05-08

Similar Companies

1st State Bank logo

1st State Bank

Review this provider profile and compare source-linked details before choosing what to do next.

BBB: NR

Profile signals: Local banking with personal service, Review this provider profile and compare source-linked details before choosing what to do next.

Alden State Bank logo

Alden State Bank

FDIC-insured community bank with four Michigan locations offering checking, savings, mobile banking, and commercial loans with a focus on personalized service.

BBB: NR

Profile signals: Northern Michigan residents seeking personalized community banking with local decision-making, Small business owners needing customized commercial loans and business checking with local relationship managers

First Independence Bank logo

First Independence Bank

Community bank operating in Detroit, Minneapolis, and Chicago offering personal, business, and commercial banking products with a focus on relationship banking and economic empowerment.

4.1/5

Google rating from 23 reviews

BBB: NR

Profile signals: Customers in Detroit, Minneapolis, or Chicago seeking community-focused relationship banking, Small business owners and entrepreneurs needing local lending relationships and commercial services

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Quick Summary

  • First State Bank is listed as a Banks provider in Eastpointe, MI on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

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