Last updated October 26, 2026 · ranked from 630 Google reviews · How we rank
This guide to the best banks in Traverse City, MI brings together entries located entirely within the city, with Google ratings ranging from 4.1 to 5 stars. TBA Credit Union has the largest review count among the listed entries, with 102 reviews and a 4.5-star rating. West Shore Bank holds a 5-star rating from 29 reviews, while First National Bank of America has 4.7 stars from 46 reviews. Chase Bank has 4.1 stars from 25 reviews. The two Honor Bank entries have ratings of 4.4 and 4.3 stars, based on 18 and six reviews, respectively. These figures provide a clear starting point for comparing the listed banks in Traverse City, MI.
1OneTrust Home Loans - Northern MichiganOneTrust Home Loans - Northern Michigan holds a 4.8 Google rating across 137 reviews, listed on Google as mortgage lender.
2Credit Union ONECredit Union ONE holds a 4.7 Google rating across 178 reviews, listed on Google as credit union.
3TBA Credit UnionTBA Credit Union holds a 4.5 Google rating across 102 reviews, listed on Google as credit union.
OneTrust Home Loans - Northern Michigan holds a 4.8 Google rating across 137 reviews, listed on Google as mortgage lender.
“My partner and I just purchased our first home and honestly we were scared and very stressed at first. BUT when we started working with Adrian he lifted such a huge weight off our shoulders. He helped make sure we understood the financia…”
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First National Bank of America holds a 4.7 Google rating across 46 reviews, listed on Google as bank.
Personal service
Scam resolution help
On-site ATM
“I've banked at FNB for a number of years and this is what LOCAL branch should be. Best CD rates around. Quick service, friendly smiles, always remember my name. Bonus is a candy dish for my sweet tooth and seasonal touches make this a ha…”
At 400 E Eighth St, the bank offers checking, savings, loans and mortgages, with a 5-star Google rating from 29 reviews. Reviewers praise prompt responses, thoughtful advice, help with a home-building project and quick account setup. Its Personal Teller Machine supports teller-assisted transactions on Saturday mornings and until 6 p.m. Fridays, while a drive-up ATM is available around the clock.
Saturday PTM hours
24-hour drive-up ATM
Responsive banking help
“Five stars for Linda Royal! My mom, Janel, and I have sent many of our clients her way and she’s consistently fantastic to work with. She’s quick to respond, thoughtful with her advice, and incredibly reliable throughout the entire lendi…”
State Savings Bank - Traverse City Garfield is a full-service community bank at 862 S Garfield Ave in Traverse City, MI. Serving the financial needs of neighbors in Grand Traverse County, the bank offers checking and savings accounts, certificates of deposit (CDs), and individual retirement accounts (IRAs). Its lending services include mortgages, home equity loans, consumer loans, and commercial loans, covering both personal and business borrowing needs.
For businesses, the bank also provides cash management services, including ACH and remote deposit. The Garfield location has an ATM and a drive-through, along with a wheelchair-accessible entrance and wheelchair-accessible parking. Its listed Google rating is 5 out of 5, based on six reviews. The service list spans everyday banking, savings, retirement accounts, lending, and business cash management at this Traverse City, MI location.
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LMCU is a credit union at 310 W Front St in Traverse City, MI 49684. The location has a wheelchair-accessible entrance and wheelchair-accessible parking. Its Google listing has a 3.7-star rating from 65 reviews. The rating distribution includes 39 five-star reviews and 18 one-star reviews, with the remaining eight reviews spread across two, three and four stars. That distribution shows a substantial difference between the highest- and lowest-rated customer experiences, rather than a uniform response.
Mortgages are the most frequently tagged topic in the listing’s review data, followed by rates and car loans. Account setup, phone contact and checking also appear among the topics, along with payments, home-related matters, bills and the website. These tags identify subjects customers discuss; they do not establish current rates, account terms or the details of any lending products. The supplied listing does not include opening hours or popular-time information.
“I have been banking with LMCU for about 10 years. I had some major hiccups with my experiences in the past and most recently with LMCU as a whole. After spending most of my day on the phone, I called the LMCU downtown TC locaiton and spo…”
Honor Bank is a bank at 430 S Union St, Traverse City, MI 49684. Its listed offerings include an ATM and cash advances, giving readers two specific services to note when considering this location. The provided information does not detail other banking services or the terms and requirements for cash advances, so the service description here is limited to those confirmed features.
The location lists both a wheelchair-accessible entrance and wheelchair-accessible parking. These are distinct accessibility features covering parking and entry; the listing does not describe additional accommodations inside. Honor Bank has a Google rating of 4.3 based on six reviews. That score reflects a small review count, and no review text is provided to explain what customers singled out. For a local directory, the clearest points of reference are the S Union St address, the ATM, the cash advance offering, and the two listed accessibility features.
Ratings and review counts shown are Google ratings, displayed with attribution.
How we ranked this list
Each bank is scored on a Bayesian-weighted rating (its rating adjusted for how many reviews it has compared with the Traverse City category average), how recently we verified its details, and how complete its listing is. Scores and ranks are stored, so the order only changes when the underlying data changes.
Which banks and credit unions have the highest ratings in Traverse City, MI?
West Shore Bank leads these listings with a 5.0 Google rating from 29 reviews. OneTrust Home Loans - Northern Michigan has 4.8 from 137 reviews. Credit Union ONE and First National Bank of America both have 4.7, with 178 and 46 reviews respectively.
Which locations offer early or late weekday service in Traverse City, MI?
First National Bank of America opens at 8:30 a.m. Monday–Friday. LMCU at 310 W Front St closes at 5:30 p.m. Monday–Thursday and 6 p.m. Friday. West Shore Bank's Personal Teller Machine offers teller-assisted transactions from 7:30 a.m.–5 p.m. Monday–Thursday and 7:30 a.m.–6 p.m. Friday.
Which locations offer mortgages in Traverse City, MI?
OneTrust Home Loans - Northern Michigan specializes exclusively in mortgages and offers in-house loan processing. Credit Union ONE and West Shore Bank also offer mortgages. Chase Bank at 250 E Front St lists home lending alongside checking, savings, business banking, credit cards and auto loans.
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