

Cheryl Locke
Branch Manager
With over three decades of experience behind her, Cheryl is ready to answer your banking questions and help find solutions that make managing your finances easier! Cheryl is dedicated to working with customers to make their dreams become a reality.
“I love listening to customers share their thoughts and plans for the future. I consider getting to know them on a personal level a privilege.”
Cheryl is out and about in the community. She serves as the Treasurer for the Spaulding Lake Road Committee and volunteers at local schools throughout the year teaching financial literacy. She is also involved with the Future Professionals of Aroostook which is a mentor group that meets with high school students.
Contact Cheryl today to see how she can help deliver you the ultimate customer experience!


Personal Loans
Machias Savings Bank’s affordable Personal Loans* Have Helped Our Customers Make the Most of Living in Maine for Over 150 Years

My MSB Checking
Make your money go further with an MSB checking account. Our MSB checking accounts offer no minimum balance requirements or monthly fees, and account holders earn 5 cents on every transaction.

Personal Credit Cards
Whether you want a credit card with low rates or one that rewards you for traveling, we have a MasterCard® credit card to fit your needs at MSB.