US Bank Directory
Banks in Cheboygan, MI
4 FDIC-insured banks operate 7 offices in Cheboygan, Michigan, and 2 credit unions have 2 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: Cheboygan
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 6 banks and credit unions operate 9 locations in Cheboygan, according to the FDIC and the NCUA. 9 of them have coordinates on record and are on the map. 2 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
9 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Cheboygan
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Citizens National Bank of Cheboygan has the most locations in Cheboygan, with 4. The other 3 each have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
Citizens National Bank of Cheboygan Bank · 4
Citizens National Bank of Cheboygan has 4 branches in Cheboygan, 10 across Michigan and 10 nationwide. FDIC records list its main office in Cheboygan, MI and show it operating since 1931. With $471.0 million in total assets on June 30, 2026, it ranks No. 1,864 of 4,232 U.S. banks by total assets. Its main office at 303 N Main St dates to 1931 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Main Office main office303 N Main St, 49721
-
Inverness Branch10854 N Straits Hwy, 49721
-
Http://Www.Cnbismybank.Com/Virtual-Branch303 N Main St, 49721
-
Main Drive-In Branch414 Division St, 49721
Alpena-alcona Area Credit Union Credit union · 1
Alpena-alcona Area Credit Union has 1 office in Cheboygan, 13 across Michigan. It is based in Alpena, MI and $957.6 million in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
-
Cheboygan Office1005 S Main St, 49721
All hours
Mon to Thu 8:30 am to 5 pm; Fri 8:30 am to 6 pm; Sat 8:30 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
First Community Bank Bank · 1
First Community Bank has 1 branch in Cheboygan, 10 across Michigan and 10 nationwide. FDIC records list its main office in Harbor Springs, MI and show it operating since 1905. With $413.6 million in total assets on June 30, 2026, it ranks No. 2,035 of 4,232 U.S. banks by total assets. The Cheboygan Main Office Branch at 201 N Main St dates to 2001 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Cheboygan Main Office Branch201 N Main St, 49721
Nicolet Bank Bank · 1
Nicolet Bank has 1 branch in Cheboygan, 15 across Michigan and 119 nationwide. FDIC records list its main office in Green Bay, WI and show it operating since 2000. With $15.39 billion in total assets on June 30, 2026, it ranks No. 126 of 4,232 U.S. banks by total assets. The Cheboygan Branch at 350 S Main St dates to 1992 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Cheboygan Branch350 S Main St, 49721
PNC Bank Bank · 1
PNC Bank has 1 branch in Cheboygan, 124 across Michigan and 2,413 nationwide. FDIC records list its main office in Wilmington, DE and show it operating since 1804. With $609.77 billion in total assets on June 30, 2026, it ranks No. 8 of 4,232 U.S. banks by total assets. The Cheboygan Branch at 316 N Main St dates to 1975 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
-
Cheboygan Branch316 N Main St, 49721
Straits Area Credit Union Credit union · 1
Straits Area Credit Union has 1 office in Cheboygan, 4 across Michigan. It is based in Cheboygan, MI and $130.5 million in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
-
Main Office main office201 Locust St, 49721
All hours
Mon to Fri 9 am to 5 pm; Sat 9 am to 12 pm; Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Cheboygan
2 credit unions have 2 offices here: Alpena-alcona Area Credit Union and Straits Area Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Cheboygan page has every office in the state's directory.
Banking in Cheboygan: the local picture
Short answer: 4 banks run 7 branches in Cheboygan according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 4 banks, 1 has its main office in Cheboygan, 1 elsewhere in Michigan and 2 out of state, according to the FDIC.
The bank with the longest record here is PNC Bank, operating since 1804 according to the FDIC. In FDIC branch records, the longest-running branch is Citizens National Bank of Cheboygan's office at 303 N Main St, dating to 1931; the newest is Citizens National Bank of Cheboygan's at 303 N Main St, from 2015.
2 credit unions have 2 offices in Cheboygan, according to the NCUA. Who can join each one is on the credit unions page.
Of the 2 locations with published hours. 2 open on Saturday. 7 locations have no published hours in these sources.
Credit unions open on Saturday in Cheboygan
Short answer: 2 of the 2 Cheboygan locations with published hours open on Saturday, run by 2 institutions.
- Alpena-alcona Area Credit Union: 1 of 1 office (1005 S Main St: Saturday 8:30 am to 12 pm)
- Straits Area Credit Union: 1 of 1 office (201 Locust St: Saturday 9 am to 12 pm)
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 7 of the 9 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Cheboygan, and where the nearest one is if they do not.
Short answer: In Cheboygan: PNC Bank (1). No branches in Cheboygan: Chase (nearest in Harbor Springs, 28 mi), Wells Fargo (nearest in Birmingham, 223 mi), Bank of America (nearest in Grand Rapids, 190 mi), U.S. Bank, Truist, Fifth Third Bank (nearest in Petoskey, 30 mi), Huntington (nearest in Petoskey, 29 mi), Regions Bank, TD Bank, BMO.
| Bank | In Cheboygan | Nearest branch if none here |
|---|---|---|
| PNC Bank | 1 branch | here |
| Chase | None | Harbor Springs, 28 miles away |
| Wells Fargo | None | Birmingham, 223 miles away |
| Bank of America | None | Grand Rapids, 190 miles away |
| U.S. Bank | None | none in Michigan |
| Truist | None | none in Michigan |
| Fifth Third Bank | None | Petoskey, 30 miles away |
| Huntington | None | Petoskey, 29 miles away |
| Regions Bank | None | none in Michigan |
| TD Bank | None | none in Michigan |
| BMO | None | none in Michigan |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Cheboygan to the nearest branch in Michigan.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Cheboygan residents like anyone else.
Banks near Cheboygan
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Mackinac Island (16 miles) and St. Ignace (20 miles). Petoskey, 30 miles away, has the most banks nearby: 7.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Mackinac Island, MI | 16 mi | 2 | 2 |
| Banks in St. Ignace, MI | 20 mi | 2 | 4 |
| Banks in Cedarville, MI | 25 mi | 2 | 2 |
| Banks in Harbor Springs, MI | 28 mi | 2 | 4 |
| Banks in Petoskey, MI | 30 mi | 7 | 11 |
| Banks in Boyne City, MI | 39 mi | 3 | 3 |
| Banks in Gaylord, MI | 44 mi | 5 | 6 |
| Banks in Charlevoix, MI | 44 mi | 3 | 5 |
Bank branch openings and closings in Cheboygan
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Cheboygan between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Banks and credit unions based in Cheboygan
Short answer: 2 institutions have their main office in Cheboygan: Citizens National Bank of Cheboygan and Straits Area Credit Union.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Citizens National Bank of Cheboygan | Bank | $471.0 million | 4 |
| Straits Area Credit Union | Credit union | $130.5 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Cheboygan by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Cheboygan offices.
Short answer: PNC Bank is the largest bank with offices in Cheboygan, with $609.77 billion in total assets on June 30, 2026, No. 8 among U.S. banks by total assets. Nicolet Bank is second with $15.39 billion. 1 of the 4 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| PNC Bank | $609.77 billion | No. 8 | 1 | Wilmington, DE |
| Nicolet Bank | $15.39 billion | No. 126 | 1 | Green Bay, WI |
| Citizens National Bank of Cheboygan | $471.0 million | No. 1,864 | 4 | Cheboygan, MI |
| First Community Bank | $413.6 million | No. 2,035 | 1 | Harbor Springs, MI |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Cheboygan: FAQ
How many banks are in Cheboygan, MI?
Cheboygan has 4 banks with 7 branches and 2 credit unions with 2 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Cheboygan?
Citizens National Bank of Cheboygan, with 4. PNC Bank has 1 and Nicolet Bank has 1.
Is there a PNC Bank in Cheboygan, MI?
Yes. FDIC data lists 1 PNC Bank branch in Cheboygan as of September 5, 2026. The address and directions are under PNC Bank above.
Is there a Nicolet Bank in Cheboygan, MI?
Yes. FDIC data lists 1 Nicolet Bank branch in Cheboygan as of September 5, 2026. The address and directions are under Nicolet Bank above.
Is there a Chase in Cheboygan, MI?
No. FDIC data lists no Chase branch in Cheboygan as of September 5, 2026. The nearest is in Harbor Springs, about 28 miles away in a straight line.
Which banks in Cheboygan are open on Saturday?
Alpena-alcona Area Credit Union and Straits Area Credit Union publish Saturday hours for one or more Cheboygan locations. The Saturday section above lists each one with its hours. 7 of the 9 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Cheboygan?
Citizens National Bank of Cheboygan and Straits Area Credit Union have their main office in Cheboygan, according to the FDIC and the NCUA.
What is the oldest bank in Cheboygan?
PNC Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1804.
Which credit unions can I join in Cheboygan?
Alpena-alcona Area Credit Union and Straits Area Credit Union have offices in Cheboygan. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Cheboygan in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Cheboygan?
Nearby cities with more banks include Mackinac Island, St. Ignace, Cedarville. Mackinac Island is 16 miles away with 2 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 2 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
See your odds before you apply
Banrox shows how likely a card or loan is for your profile, from your own data, without a hard pull. Platform live; card in early access; no card issued.
Check your odds