Questions? Need Help?

Beulah office:
(231) 882-4462

Benzonia office:
(231) 882-4476


Debit & ATM Cards

Has your ATM or debit card been lost or stolen? Click here.

Debit Card

The best features of a credit card and an ATM card--combined!

A Central State Bank debit card lets you purchase goods and services in person or by phone from participating merchants worldwide. Use it to pay for purchases anywhere MasterCard® is accepted. However, unlike a credit card, your debit card is linked to your checking account and purchases are automatically deducted from that account. All you need to do is enter the transactions in your checkbook register--just like a check or ATM transaction. In fact, your debit card takes the place of your ATM card, so you can also use it to do your banking or get cash anytime.

ATM Card

Central State Bank offers an ATM card that will give you access to your checking and/or savings account 24 hours a day at any of our ATM locations:

  • Main Office, 49 Benzie Boulevard, U.S. 31 Beulah, MI
  • Benzonia Office, 1669 Benzie Hwy., Benzonia, MI
  • Shop-N-Save, 1747 Benzie Hwy, Benzonia, MI

Central State Bank customers may also use their ATM or debit card with no surcharge at all State Savings Bank ATMs located throughout northern Michigan. Use your card at any NYCE or Cirrus location. Also, use your card to pay for purchases wherever the "NYCE" Symbol is displayed.

How Do I Apply for my Debit or ATM Card
To apply for your Central State Bank ATM or Debit card, call us at (23l) 882-4462 or email us at An application will be mailed to you within 24 hours. When the application is returned to us, it will be processed immediately and a card will be sent to you upon approval.

Like to shop online?

To make your MasterCard® purchases more secure when shopping online, click here to learn more about a special program that adds an additional layer of security.