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Frequently Asked Questions

Are deposits FDIC Insured?

Yes. Citizens State Bank is fully insured by the Federal Deposit Insurance Corporation (FDIC). Our FDIC certification number is 17880.  For additional information please visit the FDIC Website or call them at 1-877-ASKFDIC (1-877-275-3342).

When will my funds be available?

Citizens State Bank’s general policy is to make deposited funds available on the day we receive the deposit. In some cases, however, we place a “hold” on the funds. Common reasons for placing a hold on a check or deposit include but are not limited to:

  • Accounts with frequent overdrafts
  • Accounts opened for a short time
  • High dollar deposits that exceed the total available balance in the account
  • Deposit of checks that have already been returned unpaid
  • The financial institution that the check was drawn against has notified Citizens State Bank that the check will be returned

For questions or information about a hold placed on a check or deposit, please contact our Customer Support Center at 800-800-6593

How do I close an account?

Stop by your nearest branch to speak with a Customer Support Representative or call us at (800) 800-6593.

How can I add a signer to my account?

The original account holder contacts the bank with their request.  This can be done through a written request, walk-in or calling customer support.

I’m moving. How can I notify Citizens State Bank?

If you have an Online Banking account with Citizens State Bank you can update your address by clicking on Preferences and Edit Personal Information.You may also stop by your nearest branch or call us at (800) 800-6593.

How can I order checks?

The easiest way to order, or reorder, checks is to visit our order checks page.  You may also stop by your nearest branch or call us at (800) 800-6593.

How can I make deposits into my Citizens State Bank account?

Citizens State Bank offers its customers many ways to deposit funds into their account(s).

  • Visit your nearest branch.
  • Mail a check along with a deposit slip to PO Box 143060, Gainesville, FL  32614.  Please DO NOT mail cash.
  • Make a transfer using your Online Banking account.
  • Make a transfer using XPRESS Banking: 850-838-CHEK (2435) or Toll Free 877-878-9211

How do I setup Direct Deposit?

Direct Deposit is a free service that allows you to automatically deposit recurring funds into your Citizens State Bank checking or savings account. Income from your employer, Social Security, retirement plans, Armed Forces, VA Benefits and annuities or dividends.

Follow these steps to setup your Direct Deposit:

  1. Gather your checking or savings account number and your routing number.
  2. Contact your employer who offers Direct Deposit services. Your employer may need you to provide them with a voided check to process your Direct Deposit request. For questions related to Direct Deposits from a Federal agency please call them directly or visit your nearest branch.

Can I mail deposits?

Yes, you can mail a check along with a deposit slip to PO Box 143060, Gainesville, FL  32614.  Please DO NOT mail cash.

How do I begin Online Banking with CSB?

Simply visit or call your local branch and fill out an application to begin. You can also download the application from the Document & Forms page which is within the Customer Service tab above. Just print it, fill it out and drop it by one of our locations. Once signed up, you will be given a username and password. Visit the bank’s website, sign-in, and begin enjoying the convenience of online banking.

How do I know that my Online Banking transactions will be secure?

Whenever Online Banking is mentioned, the word “security” is usually not far behind. The bank has provided Online Banking with the latest advanced security options available. All data is encrypted with the latest technology. Furthermore, the bank has contracted with a technology company that is constantly working to ensure that your transactions are completely secure. When you see “https” at the beginning of the website address, this means that you are connecting to a secure site. If you are using Internet Explorer, you will see a padlock icon in the bottom right corner. Lastly, we may also require you to change your password periodically and to include numbers and letters or symbols in your password. These measures are all in place to maintain optimal security.

How can I protect my account?

Here are some tips for protecting your online account:

  1. Create a unique username and password for your Online Banking Account. Both of these should be difficult for others to guess.
  2. Memorize your username and password – never write them down. And never share them with anyone.
  3. Refresh or change your username and password often.
  4. Strengthen your password by avoiding personal information like birthdays or the names of pets. Instead, use a combination of letters and numbers.
  5. When you are finished banking online, click the “Log out” button. Simply closing your browser window could allow access to your information the next time it’s opened.
  6. Citizens State Bank will never send you an email asking for your account or password information. If you receive such a message, do not respond to it in any way. Instead, please forward the email to us at info@csbdirect.com

What is the difference between the current balance and the available balance for my deposit accounts?

When viewing your Online Banking Account Balance, you may notice a difference in your “current balance” and your “available balance”. This difference indicates funds in your account are on hold. Holds result from a deposit where a portion of the funds are placed on hold or when you use your Debit card for a purchase as a Visa® signature based transaction, and the merchant requests an authorization on the amount of the purchase. The dollar amount of the transactions that are on hold will show up in your Online Banking account history as “pending” until we receive the copy of the transaction that you authorized or the held funds from a deposit are released.

What is the cut-off time to schedule an online transfer?

Regardless of where you live, the cut-off time for scheduling online transfers is 4:00 p.m. Eastern Standard Time (EST). Transfers scheduled after 4:00 p.m. Eastern Standard Time will not be available for paying items (checks, Automated Clearing House, debits, etc.) the night of the transfer, and will post showing the date of the next business day.

How do I add a checking, savings, money market, IRA, or CD account to Online Banking?

Call a Customer Support Center Representative at (800) 800-6593 to have your additional accounts added to online banking.

How much history can I view online?

Your “Account History” page allows you to easily keep track of transactions, balances and other activities in blocks of 10, 30 or 90 days.  If you want to view more history you can select a date range to display.

How current is the account balance information?

The account balance and transaction information is usually current and up-to-date at the time that you sign in to Online Banking; however, your last statement transactions could take up to two business days to display.

How do transactions post?

The Online Banking system updates account activity at the end of each business day and information is available for viewing online by 8:00 a.m. EST.

Electronic transactions, such as debit card transactions and ATM withdrawals will appear immediately in the account details, while items such as paper checks will not appear until they have been processed and posted to your account.

How do I reset my password?

Here’s how to change your password:

  1. Click on the My Settings link in the upper right hand corner of the page
  2. Under the Login & Security category, click Update Password
  3. Enter your current password
  4. Enter your new password
  5. Re-enter your new password to confirm
  6. Your password must be a minimum of 8 characters long and include at least one letter and one number. The password cannot contain any spaces. Your password can also include the following special characters: !”#$%”()*+-./:;=?@\. To help assure your security, your username and password cannot be the same. Please remember both your username and password because they are necessary to log in.
  7. Click “Save” to save your new password.

What if I forgot my password?

No problem, now you can reset your password online yourself. Simply login with your user name and click continue. Once you get to the area where you enter your password, click on the link below that says “forgot your password?”. After clicking the link, you will be asked a few questions to verify who you are. If you are authenticated you will have the option to reset your password. If you still cannot access your account please contact a Customer Support Center Representative at (800) 800-6593.

Can I have my online statements notification be sent to two different email addresses?

No. Your online statements notification will be sent to the email address you provided when you first enrolled in Online Banking. You can also update your email address once you enroll in online statements, there is no charge for this change.

Can I switch back to paper statements?

You may switch back to receive paper statements at any time. Call into our customer support center at (800) 800-6593 and request to have online statements disabled.

Can I view checks that have cleared my account if I receive online statements?

Yes. Online statements make viewing cleared check images easy. Check images are free with online statements. Simply select the HTML version of your online statement, scroll down to the check section and click on the check number you’d like to view. Check images will be archived for 120 days.

Do I need special software to view online statements?

Yes. You will need to have Adobe Acrobat Reader® software installed on your computer. Free versions of Adobe Acrobat Reader® software are available at www.adobe.com.

How do I enroll for online statements?

You can enroll for online statements through Online Banking. Click on the Online Statements link under Additional Services. When you enroll you will be asked to accept our Terms and Conditions for online statements. Follow the on screen instructions to accept the terms and conditions and to finalize enrollment for online statements.

How do I print my online statements?

To print your online statement you must first view the PDF version of the statement. On the Adobe Reader® toolbar click the print button. You may print your entire Online Statement or specific pages.

How do I save my online statements?

To save your Online Statement you must first view the PDF version of the statement. On the Adobe Reader® toolbar, click the save icon. You will be prompted to save the file to a designated location on your computer.

How secure are online statements?

When your online statements are available for viewing, Citizens State Bank will send a notification to the email address you registered with Online Banking. This email will not contain any account numbers or other personal information, nor will it request you to provide any account numbers or other personal information. When you sign on to Online Banking, you are signing on to a secure web site. Your account information is protected by 128-bit encryption technology. When signing on to Online Banking, remember to always look for your Security Image before entering your password. Your Security Image is an online security feature and a standard part of your Online Banking login experience. Your Security Image helps prevent unauthorized access to your accounts and provides reassurance that you are visiting the official Citizens State Bank web site.

How will I be notified that my online statements are ready?

We will notify you that your online statements are ready for viewing at the email address you provided when enrolling in Online Banking. Note: Several Internet Service Providers use spam-blocking technology. We suggest you add info@csbdirect.com to your address book, or safe list to ensure delivery of your notification emails. If you need to contact us, your emails will only be secure if you do so through Online Banking.

What are online statements?

Online statements are a safe and convenient way to receive your monthly account statements. An online statement is an electronic version of your paper statement that can be viewed online through Citizens State Bank’s secure Online Banking.

What if I don't receive my online statement notification in my email?

If you are enrolled in online statements and do not receive your email notification we may have an outdated email address on file.

To update your email address, go to the My Settings page in the upper right hand corner of your Online Banking account, and click “Update email options” in the “Overview” area.
In order to avoid the Online Banking notifications going into your spam folder, be sure to add info@csbdirect.com to your address book or safe list. If you are enrolled, and your email is correct and you still don’t receive notification of your online statements, contact our customer support center at (800) 800-6593.

What is 128-bit encryption?

Encryption protects your information from being intercepted over the internet. Information is secured by scrambling it as it travels between your computer and other computer servers. 128-bit encryption is the most commonly used encryption technologies available and is widely used by major corporations.

Will I continue to receive my printed statement in the mail after I enroll in online statements?

No. Once you enroll in online statements Citizens State Bank will stop mailing you a paper statement. Receiving your statement online through Online Banking provides added security against mail and identity fraud.

Will joint account holders be able to view online statements?

Yes, as long as joint account holders have access to Online Banking they will be able to view Online Statements. At least one of the joint account holders must enroll for online statements through their Online Banking profile and must have a valid email address on file in order to receive online statement notification. Even though one joint account holder may have already enrolled an account, the other joint account holder will also be required to accept the Online Statements Terms and Conditions from their own Online Banking profile in order to view their statements online. The notification email will be sent to each individual email address of each account holder that has enrolled in online statements.

Will my online statements have the same appearance as my paper statement?

Online statements are an electronic version of your paper statement. You will receive it as a PDF (Portable Document File) that can be printed from your computer or saved. You must have Adobe Acrobat Reader® software to view your online statements in PDF format. If you do not have Adobe Acrobat Reader® software, download the free version at www.adobe.com.

Is there a limit to the number of transfers between my savings and checking account?

Yes. Federal regulations limit the number of transfers from a savings account to a checking account to six per month. This includes transfers via phone, overdraft protection, & other transfers. 

Can I set up recurring or future-dated transfers?

You can schedule future-dated transfers between your accounts up to a year in advance. Recurring transfers can be made at regular intervals, such as once a week, once a month, every three months and more. There are some limitations to the types of accounts available for recurring or future-dated transfers. See the help within Online Banking for specifics.

Can I transfer money to my investment accounts via an online brokerage?

Yes, Citizens State Bank currently supports online external transfers to many top financial institutions, and frequently updates the list of supported brokerages. For a comprehensive list of supported online financial institutions, please consult the list available within the External Transfers section of Online Banking.

Is there a fee for transferring money to another party?

There is no fee for using the “Make a Transfer” function of the Citizens State Bank Online Banking to transfer funds between your own accounts at Citizens State Bank. There is also no fee for standard External Transfers that transfer funds into your Citizens State Bank deposit account from other financial institutions.

Outbound External Funds Transfer Fee
Standard (3-Business Day): $2.00
Next Business Day: $2.00

Popmoney Transfers Fee
Standard (3- Business Day): Free
Next Business Day: $2.00 each

Can I cancel a payment?

Yes, you may cancel a payment anytime before or on the send date. We will notify your contact if you cancel the payment on the send date.

How does Popmoney work?

Popmoney works in four easy steps:

  1. Log In to Online Banking: Select “Move Money” and choose “Popmoney” as your transfer option.
  2. Send Money: Provide the email address, mobile phone number or bank account information of the recipient, then choose your account, how much to send, and when to send the payment.
  3. Notify Recipient: If you sent the money using an email address or mobile phone number, we will notify the recipient via email or text message with instructions on how to deposit the payment. If you sent the payment to a bank account, the money will be directly deposited into the recipient’s account.
  4. Deposit Payment: There are two ways to deposit a payment. If the recipient’s bank offers Popmoney, the recipient can deposit the payment directly through their online banking service. If the recipient’s bank does not offer Popmoney, the recipient can deposit the payment directly into his/her bank account by following the simple steps at www.Popmoney.com.

Should I contact the recipient to inform a payment is coming?

It is not necessary, but is probably a good idea for the first payment to alert your recipient they will be receiving a payment from you through the Popmoney personal payment service from Citizens State Bank.

What are the advantages of the different methods to send money?

All methods offer their advantages:

  1. The advantage of sending money to an email address or mobile phone is that there isn’t a need for the recipient to provide their bank account information to you. Additionally, the recipient may be able to enroll in automatic deposit, which means payments made to the recipient email address or mobile phone number will be directly deposited into their account.
  2. The advantage of sending money to a bank account is that the funds will be directly deposited into the recipient’s bank account; the recipient does not have to take any action to complete the payment. However, the recipient is required to share his/her bank account information with you.

What are the different ways I can send money to someone?

  1. Email: Your contact will receive an email message with instructions on how to deposit the payment directly into their bank account.
  2. Text message: Your contact will receive a text message with instructions on how to deposit the payment directly into their bank account. You may want to consider a different option of payment if the recipient cannot receive or pays extra to receive text messages.
  3. Bank account: Using your recipient’s routing and account numbers, the payment will be directly deposited into the contact bank account.

What are the fees associated with the service?

There are fees associated with each Popmoney transaction.

Standard Delivery – Free

Next Day Delivery – $2.00

You may be charged per text message by your wireless provider. Please check your wireless plan before you begin using the service.

What is a recurring payment plan and how does it work?

A recurring payment plan allows you to repeat a payment based on your specified frequency and duration. To set up a recurring payment plan, schedule a payment as usual, and then select Make this a Recurring Payment. You will be asked how frequently to send this payment and for what duration. To view your scheduled recurring payment plans select “Scheduled Payments.” Please note that if a payment of a recurring payment plan falls on a holiday or a weekend, we will send the payment on the prior Business Day.

What is Standard Delivery?

For payments to a bank account, we will deposit the payment into the contact bank account within three Business Days.

For payments to an email address or mobile phone number, we will notify the recipient of the payment on the send date.

Contacts with automatic deposit enabled will see the payment in their bank account in three business days.

Contacts without automatic deposit enabled cannot receive the payment until they provide their bank account information; once provided, the payment will be deposited into the designated bank account within one to three business days.

What is the cut-off time to change or delete upcoming transactions?

The cut-off time to change or delete an upcoming Standard Three-Business Day transaction is 4:00 p.m. EST the previous Business Day prior to the send date.

The cut-off time to change or delete an upcoming Next-Day transaction is 4:00 p.m. EST the Business Day prior to the send date.

What is the cut-off time to submit a transaction?

The cut-off time for submitting a Standard Three-Business day transaction is 4:00 p.m. EST each Business Day. Standard Three-Business day transactions submitted after 4:00 p.m. EST or on weekends or holidays will be processed on our next Business Day. A Business Day is every calendar day except for Saturdays, Sundays, and bank holidays.

The cut-off time for submitting a Next-Day transaction is 4:00 p.m. EST each Business Day. Next-Day transactions submitted after 4:00 p.m. EST or on weekends or holidays will be processed on our next Business Day. A Business Day is every calendar day except for Saturdays, Sundays, and bank holidays.

What is the maximum transaction amount I can make with Popmoney?

The maximum daily amount allowed for Popmoney transactions is the current available balance in the source account up to the daily limit listed in your agreement with us, whichever is less. This includes any single transaction or the total amount outstanding or “in process.” For additional information, see below:

Standard (Three-Business Day) To Bank Account (3rd Party), Mobile Phone or eMail Address
Per Transaction Limit $5,000
Daily Limit $5,000
Outstanding Limit $5,000
“Monthly”* Limit $10,000
*”monthly” means a rolling 30-day period and neither a calendar month nor a statement cycle
Next Business Day To Bank Account (3rd Party), Mobile Phone or eMail Address
Transaction Limit $2,000
Daily Limit $2,000
Outstanding Limit $2,000
“Monthly”* Limit $5,000
*”monthly” means a rolling 30-day period and neither a calendar month nor a statement cycle

What is the Popmoney® personal payment service?

The Popmoney personal payment service from Citizens State Bank allows you to send secure electronic payments to anyone, no matter where your recipient banks. You can access Popmoney directly from the security and convenience of Citizens State Bank Online Banking. Send money directly from any of your Citizens State Bank accounts to anyone using his or her email address, mobile phone number or bank account information. Similarly, you can receive money from others to your Citizen State Bank accounts.

When will the funds be available to the recipient?

Popmoney payments are transmitted via the ACH network. Please see the network time schedule in the table below. If you send money to an email address or mobile phone number, the recipient must provide their bank account information before the payment will be deposited. If the recipient has automatic deposit enabled, then the payment will be deposited into their bank account as soon as their bank receives the funds. This may take up to three business days. All requested transactions must be completed by 4pm EST to begin processing on that business day.

Popmoney Standard transactions are credited to the recipient’s account within three business days of the recipient collecting the funds.

Popmoney Next Day transactions are credited to the recipient’s account within one business day of the recipient collecting the funds.

Send Money Standard is a Popmoney transaction that credits the recipient’s account three business days after the Send Date. The recipient does not collect the funds; the money goes directly into the recipient’s bank account.

Send Money Next Day is a Popmoney transaction that credits the recipient’s account one business day after the Send Date. The recipient does not collect the funds; the money goes directly into the recipient’s bank account.

Standard Delivery (Three Business Days)

Payment Sent by 4 PM EST Payment Received
Monday
Tuesday
Wednesday
Thursday
Friday
Saturday
Sunday
Thursday
Friday
Monday
Tuesday
Wednesday
Wednesday
Wednesday

Please note: Weeks that contain federal holidays will extend this timetable.

Why am I asked to provide my mobile phone number and verify it?

Popmoney enables anyone to send you money using your mobile phone number. To ensure you receive these payments, you need to register and verify your mobile phone number. In addition, for your protection we may send you a text message with a verification code to your mobile phone when you send money.

Why am I asked to verify my email address?

Popmoney enables anyone to send you money using your email address. To ensure you receive these payments, you need to register and verify your email address. In addition, we’ll inform you when your payment is processed, when your recipient has deposited the payment, and if any changes are made to your Popmoney profile. We will also inform you in the event that your payment fails.

Why can't I send money during the weekend or on a holiday?

Popmoney payments are sent through the Automated Clearing House (“ACH”) network. ACH transactions are not processed on weekends or federal holidays. Please click the calendar icon within Popmoney to view available send dates.

Why don't I see all my bank accounts?

Occasionally, for your protection, we may need to suspend your ability to send and receive money from one or more of your bank accounts. Please contact us at (800) 800-6593, to resolve this issue, if it should arise.

Why should I include a personal message to the recipient?

A personal message gives the contact the confidence that she/he is receiving the payment from someone they know. It also communicates the purpose of the payment to the contact.

Will my bank account information be shared?

No, your bank account information, and the bank account information of your recipient, will always remain confidential. Your recipient will see your first name, last name, the message you wrote for the payment, and your email address or mobile phone number, depending on how you sent the payment.

What happens when a payment expires?

The recipient has 10 days from the send date to deposit the payment, after which the payment expires. When this occurs, the funds are returned to the sender’s Citizens State Bank account.

What if the sender has provided the wrong mobile phone number, or cannot receive text messages?

Please call the sender to have them edit the mobile phone number; the sender can edit the mobile phone number to the correct one by clicking Activity and editing the payment within the Popmoney personal payment service from their bank or at www.Popmoney.com. Do not attempt to deposit this payment. We will return the funds to the sender if you are unable to verify access to the mobile phone.

What is automatic deposit?

Automatic deposit is the easiest and fastest way to receive money. It allows you to designate one account into which all incoming payments are deposited. Once the automatic deposit is turned on, there’s nothing more for you to do – all payments made to you will be automatically deposited into your selected account and you will be informed via email when the funds are available. You can edit automatic deposit settings in Preferences once you are logged into Online Banking.

Why am I asked to verify my mobile phone number to deposit a payment sent to my email address?

The sender provided your mobile phone number when she/he scheduled the payment and, as a security precaution, you will need to verify access to this mobile phone number in order to deposit your payment.

Why didn't automatic deposit work for an incoming payment?

There are two reasons why automatic deposit may not work for an incoming payment:

  1. The payment was sent to an email address or mobile phone number that was not currently registered to your profile. In Online Banking, select Preferences, and register and verify any email address or mobile phone number at which you have received a payment notification.
  2. Occasionally, as a security precaution, we require the sender to provide us with your mobile phone number when she/he schedules the payment; you need to verify access to this mobile phone number to deposit the payment.

Why don't I see a payment that I'm expecting?

To see a payment you are expecting, you must register for the Popmoney® personal payment service and verify the email address or mobile phone number to which a payment notification is sent. Log in to Online Banking and click Preferences, then register and verify any email address or mobile phone number at which you have received a payment notification.

If you feel the payment has been sent to the incorrect email address or mobile phone number, please contact the sender immediately.

Can I edit or cancel a future-dated payment?

Yes, you can edit or cancel a future-dated payment any time before the Send Date. You can edit the Send Date, Amount, Message to Contact, and My Notes once logged in. Just select the Transfer Funds tab and enter into the the Popmoney® personal payment service to update any information.

Can I edit or cancel a recurring payment plan?

Yes, you can edit or cancel the next payment or the entire recurring payment plan at any time. For the next payment, you can edit the Send Date, Amount, and Message to Contact, without affecting the rest of the plan. For the entire recurring payment plan, you can edit the Send Date, Amount, Message to Contact, My Notes, Frequency and Duration.

What are the different scheduled payment statuses?

Below is a list of all the possible scheduled payment statuses and their definitions:

  • On Hold: For your protection, we have placed a hold on the payment. The payment will be cancelled in one business day unless you call a Citizens State Bank customer support center representative at (800)-800-6593 to remove the hold.
  • Pending: The payment has been scheduled. We will process the payment per your instruction when the send date arrives.

What is FinanceWorks?

FinanceWorks is a free tool within Citizens State Bank’s online banking that gives you a complete overview of your financial accounts. With FinanceWorks, you can access your Citizens State Bank accounts and accounts from over thousands of other financial institutions all in one place. FinanceWorks helps you stay on top of your finances by giving you the resources to track your spending, create budgets, manage your bills, and measure your net worth.

How do I access FinanceWorks?

You can access FinanceWorks through Citizens State Bank’s online banking. You will see the “View My Spending” and “Outside Accounts” areas on the homepage when you sign into Internet Banking. You can also access FinanceWorks from the “Manage Money” menu at the top of the page.

How do I get started with FinanceWorks?

  1. Add accounts here from other financial institutions. Look for the Track All Your Finances section at the bottom left of the Overview page. It suggests the types of accounts you might want to add.
  2. Train us to categorize your way. Go to the Transactions page to see your latest transactions. Then choose a category for each transaction we missed, and fix any mistakes we made.
  3. Get ready for tax time. At the top of your Overview page from December 15 to April 17, you can open the Tax Watch window to see your expenses for selected tax-related categories.
  4. Understand your spending. On the Overview page, you’ll see a pie chart of your spending from the last 30 days. Click the Trends tab and look at your spending from different angles.
  5. Set up budget goals. On the Overview page, you’ll see the budget limits we set up for you for this month. Click the Goals tab and set up goals for the categories you want to watch.
  6. Stay on top of your bills. In this program, your bills are represented by upcoming transactions listed with each of your accounts.Then, under Other Tools on your Overview page, click the What’s Left link to monitor your balance in the account you use to pay your bills. If your financial institution offers bill pay, click the Make Payments link to actually pay your bills.

What if I change my password at one of my outside financial institutions?

The following information applies to all financial institutions:

If you change your password at one of your outside financial institution’s websites, you need to change it in FinanceWorks, too. Otherwise, we won’t be able to refresh your account.

Important: Also, if you leave FinanceWorks set to the wrong password for too long, you may get locked out of your financial institution’s website. This can happen if your financial institution interprets our daily updates as invalid access attempts.

How do I put my new financial institution password into FinanceWorks?

  1. From the Accounts list, click the name of the account.
  2. Near the top of the page, click Change Sign-In Information.
  3. Enter your new sign-in information and click CONTINUE.

How do I enroll in Mobile Banking?

As long as you have your login credentials and have signed into Online Banking at least once, there is no additional enrollment required to use our Mobile Banking service. Just download the App or go to www.csbdirect.com from your mobile browser and enter your Online Banking user name and password to get started.

How do I sign in to Mobile Banking?

Either tap the Mobile Banking App icon on your smartphone or enter www.csbdirect.com into your phone’s web browser. Then log in using your Online Banking user name and password.

How much does Mobile Banking Cost?

There is no fee to use Citizens State Bank Mobile Banking. You may, however, incur normal text transmission or data usage charges from your wireless carrier for the use of text messages or internet browsing on your mobile device.

What are the ways that I can access Mobile Banking?

Citizens State Bank offers a wide range of ways to access mobile banking services depending on the type of mobile device you have. Mobile Banking services are accessible via:

  1. Mobile and Tablet Apps: Available for iPhone®, iPad® and Android™ devices, our Apps allow you to view your account balances with just a swipe, deposit checks, pay bills and more. Download free Apps from the Apple App Store or Google Play Store to get started.
  2. Mobile Web: You can view your account balances, pay bills and more using most mobile devices by simply visiting our mobile website csbdirect.com from any web enabled mobile device.
  3. Text/SMS Banking: Using simple text message commands, you can see account balances, view transaction history and find Branch/ATM locations.

What do I need to do to use Mobile Banking?

To get started with Mobile Banking, you need:

  • A Citizens State Bank account
  • A Citizens State Bank Online Banking user name and password established

What is Mobile Banking?

Mobile Banking is a simple and convenient way to perform everyday banking functions using most mobile devices. You can view account balances and transactions, pay bills, deposit checks, transfer money and more.

Can I use ATM/Branch Search without logging in to the Citizens State Bank App?

Yes, you can use ATM/Branch Search either without entering your user name and password or logging in.

Can I use the same user name and Password for Citizens State Bank Mobile App that I use for Citizens State Bank Online Banking?

Yes, you must use the same user name and Password that you use for Citizens State Bank Online Banking. If you are not enrolled in Citizens State Bank Online Banking, please visit www.csbdirect.com from your computer and sign up for Online Banking.

How do I access the Mobile Banking App?

As long as you have existing Online Banking login credentials and have logged in to Online Banking at least once, there is no additional enrollment step required to use Mobile Banking. Download the iPhone®, iPad® or Android™ app, open the Mobile Banking App by tapping the icon on your smartphone, and then enter your login information (user name and password) you use for Online Banking.

How many incorrect attempts are allowed before Citizens State Bank Mobile App will be locked?

Your Citizens State Bank Mobile App will be locked after the third invalid user name and Password entry. You can unlock your account by simply calling us at 1-800-800-6593.

How much does the Mobile Banking App cost?

Our Mobile Banking App is available at no cost to Citizens State Bank customers enrolled in Online Banking who use an iPad®, iPhone®, or Android™ device. Your mobile services provider may charge you fees that may relate to online and data usage. Be sure to check with your mobile services provider for clarification on any data, sms or usage charges that may apply.

Is 'Remember Me' safe?

Yes, “Remember Me” only saves your user name and not your password. Furthermore, only five characters of your user name are displayed and the rest will be masked.

What are the Mobile and Tablet Banking Apps?

Citizens State Bank offers Apps for iPhone®, iPad® and Android™ devices. Our Mobile Banking App allows you to easily and securely check account balances, deposit checks, pay bills and more – with a free, convenient downloadable app.

  • Deposit checks remotely by taking a picture
  • Pay bills and people in just a few seconds
  • Find nearby ATMs and Branches

The Mobile Banking App is available as a free download for iPad®, iPhone®, and Android™ devices in the Apple App Store and Google Play.

What do I need in order to use the Mobile Banking App?

To use our Mobile Banking App, you need:

  • A Citizens State Bank account
  • A Citizens State Bank online banking user name and password established
  • A supported mobile device for iPhone®, iPad® or Android™ applications that has access to the Internet and is able to download mobile applications
  • An account on the Apple Appstore (for iPhone® and iPad® users) or an account on the Google Play store for Android™ phone users

What is in 'More Menu'?

More Menu, on the Mobile Banking Apps, contains a list of additional menu options that you can select. These options are:

  • Customer Support Number
  • Website URL
  • Privacy Policy

What is 'Remember Me'?

It is our new feature that remembers your log-in user name so that you don’t need to enter it each time you login. After turning on “Remember Me” from the login screen, all you need to do is enter your password in order to login.

How Does Bill Pay Work?

In order to use Bill Pay from your mobile device the following steps should be completed in advance:

  • Make sure your account is enabled for Bill Pay.
  • Login to Online Banking and setup your Payees and eBills.
  • Then when you login to mobile banking just navigate to the Bill Pay service, select an eBill or a payee to pay from the list, review the payment details, and confirm the payment.

How to schedule my payment?

Simply tell us the amount you wish to pay and when you want the money to be sent from your Citizens State Bank checking account.

What is Mobile Bill Pay?

Bill Pay lets you pay your bills in a quick and easy way. Save the cost of a stamp for each payment you make, and know exactly when the amount will be withdrawn from your account. Plus, you can see all of your payment information at a glance in your account transaction history. All you have to do to pay bills is set up your payees in Online Banking. Then when you login to Mobile Banking you can schedule your payment quickly and conveniently. Your payment will be sent and the money from your account will be deducted automatically.

How many Deposits can I make in one day?

You can make deposits per day as you like as long as you do not go over your daily and/or monthly deposit limits.

What devices are supported for Mobile Deposit?

Mobile Deposit feature is only available with the Citizens State Bank app for iPhone®, iPad® and Android™. Mobile Deposit will work with all iPhones® 3GS and later, iPad® 2 and later, as well as most recent Android™ phones. Mobile Deposit will not be supported on the iPod Touch®.

What is Mobile Deposit?

Mobile deposit is only available on the iPhone®, Android™, or iPad® app. This feature is available at no cost and lets you deposit a check by using the camera in your mobile device. Simply take a picture of the front and back of your endorsed check and submit it for deposit to your Citizens State Bank Checking or Savings account. Mobile Deposit allows you to skip lines and avoid the hassle of rushing to a branch to deposit a check. Now you can deposit a check safely and conveniently from the comfort of your home or office.

What is the Maximum Deposit Limit on Mobile Deposit?

Mobile Deposit limits:
The following deposit limits apply to the combined total of deposits you can make to your Citizens State Bank accounts using the Mobile Deposit Service in a month:

Your maximum daily limit depends on your account relationship with Citizens State Bank.

0- 90 Days after account opened – $1,000.00 each business day / $2,000.00 each month.

After 90 days of account opening and account in good standing – $2,000.00 each business day / $5,000.00 each month.

Presentment of Checks and Items to Drawee Bank. The manner in which the checks or items are cleared, presented for payment, and collected shall be in at our sole discretion and is subject to the Deposit Account Disclosure governing your Account.

What is the Minimum Deposit Limit on Mobile Deposit?

The Minimum Deposit Limit is $0.01 per check.

When would my Deposits be available?

Deposits are subject to verification. Mobile deposits are credited the same as any other check deposit after they have been verified. Mobile Deposits do not immediately show in your transaction history. When a mobile deposit is done on a weekend or any time after 4pm on Friday the deposit will post to your account on the following Tuesday.

Is my information 'encrypted'? Is that important?

Encryption scrambles the information sent to and from your phone to mitigate the risk of a third party intercepting confidential information. Information sent and received using our Mobile Apps and Mobile Web service is encrypted using the same security technology as Online Banking.

Text Banking does not send any confidential information to or from your phone, nor does it store any confidential information on your phone. However, text messages are not as secure as other forms of Mobile Banking.as they are not encrypted. Therefore Citizens State Bank highly recommends that you periodically delete all received and sent text messages from your phone.

What about security while using Mobile Banking?

Citizens State Bank Mobile Banking provides secure access to your accounts using industry standard security encryption technology. We have taken additional steps to ensure the safety of your banking information such as never storing account numbers, account balances, checks images or other confidential data on the device. The banking session will also time out after five minutes of inactivity and require reentry of the login information to get back in.

Customers are advised to never store passwords and other confidential information on the mobile device. Customers should also exercise great caution about “jail-breaking” their phones as doing so makes the phone vulnerable to viruses and malicious apps. Citizens State Bank does not support “Jail-Broken” or “Rooted” phones.

What happens to my private account information?

Our Mobile Banking App and Mobile Web use encryption to keep your information secure and confidential. We do not store any confidential information on your phone. All accounts numbers are masked in mobile banking for added security.

Text Banking does not send any confidential information about you or your accounts to or from the mobile device. Similar to ATM receipts, full account numbers are never displayed in text banking. Furthermore, we recommend that you use account nicknames that do not include any digits from your account numbers.

What if I believe my user name, password, code or PIN has become known or an unauthorized transaction has occurred via my mobile device?

Notify us immediately by calling Citizens State Bank’s Customer Support Center at (800) 800-6593.

What if I change my mobile device's phone number?

You should log in to Online Banking and update your mobile preferences with the new number.

What if my mobile device is lost or stolen?

In the unfortunate event your mobile device is either lost or stolen, report it immediately to your mobile carrier. Then you should immediately call the Citizens State Bank’s Customer Support Center at (800) 800-6593 to either suspend or de-register your mobile device from being used in Mobile Banking and Text Banking.

What information is stored on your phone?

Our Mobile Banking App and Mobile Web services do not store confidential information onto your phone. However, we recommend that you never store your login password(s) in the notepad or address book of your mobile device.

For Text Banking, the only information “stored” on your phone is in the form of your old text messages, which do not contain any confidential information, but similar to old ATM receipts, might contain information like old balances. We recommend that you regularly delete old text message from your phone for added security.

What should I do if I receive a text message that I do not think is from Citizens State Bank?

If you receive a text message that you suspect is not from Citizens State Bank, you should contact us as soon as possible at (800) 800-6593 to speak to a customer support representative. Do not respond to the text message and do not delete it until you have spoken to a representative who will verify the authenticity of the message. Also, do not tap links that may be in the text message as they may lead to malware being installed on your mobile device.

What are text messages?

Text messages (also known as SMS messages) are a form of communication for users of cellular telephones and other mobile devices to send and receive messages through cellular (or mobile) networks.

What is Text Banking?

Text Banking is a service that enables you to retrieve information about your accounts from a mobile device through text messaging (sometimes called SMS). If you already bank online, it is another way of accessing your account balances and reviewing your most recent account activity. Text Banking is usually supported by all mobile phones even those that do not have internet capabilities. Text Banking is well suited for customers who only want to view account balances, view recent transactions and find the locations of branches and ATMs. Text Banking does not support account transfers or Bill Pay services.

What does SMS stand for?

SMS stands for Short Messaging Service. It’s also known as text messaging. This is a service available on most mobile devices allowing users to send and receive text-only messages.

How much does Text Banking cost?

There is no fee to use Citizens State Bank Text Banking.  However, you may incur normal text transmission charges from your wireless carrier for receiving and sending text messages.

How can I enroll for Text/SMS Banking from Online Banking?

  1. Log in to Online Banking and click on the Services tab.
  2. Under Alerts and Notifications select Activate Text Message Banking and enter your mobile phone number.
  3. You will be sent a text message containing a confirmation code to your mobile phone.
  4. Enter the confirmation code that we sent into the confirmation field in Online Banking.
  5. Set up your account preferences

How can I register for Text/SMS Banking from Citizens State Bank Mobile App?

Yes, you can register for Text banking via your Citizens State Bank Mobile App. All you have to do is go to More Menu on our Citizens State Bank Mobile App and select Register for Text Banking.

I have not received the verification code for Text Banking. What should I do?

If you have not received your verification code, please make sure your mobile device’s phone number is entered correctly.  If it is, please follow the steps below:

  • Verify your mobile phone is turned on, has an adequate signal and is able to receive text messages.
  • Check the list of supported carriers for your mobile device.
  • Use the Send Again in the lower right hand corner of the app page to re-send the text verification code to you.
  • Contact your mobile carrier and make sure your mobile device is not blocked from sending and receiving SMS messages to and from short codes.
  • Confirm that you have text messaging service with your mobile carrier.
  • If you still do not receive the verification code, please call Citizens State Bank’s Customer Support Center at 800-800-6593 for assistance.

What is a shortcode and commands?

Short codes are five or six-digit numbers sent using text messages that represent a certain destination. 454545 is Citizens State Bank’s short code for communicating with you via text message. The following is a list of our text banking commands:

Command Description
BAL Primary account balance
BAL ALL All accounts balance
LAST Last 5 transactions on primary
BAL CHK Balance of all checking accounts
BAL SAV Balance of all savings accounts
STOP Un-enroll from service
HELP Send info on the commands
TRANS (AMT) Transfer funds to primary account

Are the text commands case sensitive with Mobile Banking?

No, our text commands are not case sensitive.

What should I do if I think that I didn't receive a message?

Please call our Customer Support Center at 1-800-800-6593 as soon as possible and we’ll help to resolve the problem.

Will Text Banking work with my prepaid plan?

Text banking will work with most prepaid phone plans; however, there are some phone plans that do not support using short codes. Please check with your mobile carrier for the most accurate information.

Which mobile service carriers support Citizens State Bank Text Banking?

  • ACG
  • AT&T
  • Boost
  • Cincinnati Bell
  • Cricket
  • Metro PCS
  • Rural Carrier Group
  • Nextel
  • Sprint
  • T-Mobile
  • US Cellular
  • Verizon Wireless
  • Virgin Mobile

Are there any mobile or cellular carriers that do not work with Citizens State Bank Text Banking?

If your mobile carrier is not included in the previously mentioned list, it may not support text messages from Citizen State Bank. If you have questions about the support your mobile carrier provides, please contact the carrier directly.

I have disconnected my mobile phone or changed carriers. Will Text Banking continue to work?

As a security precaution, you will need to log in to Online Banking and update your enrolled mobile phone information. Be sure to unregister the old phone number.

Why am I receiving multiple messages?

Each Citizens State Bank Mobile Banking message is limited to 160 characters, so there may be occasions when it takes more than one message to deliver your information to your cell phone or mobile device. However, you should never need to receive more than five messages at one time.

Why are my Text Banking messages out of order?

We’ll list your Text Banking messages in the order they’re meant to be read (1/4, 2/4, 3/4, 4/4). However some service providers can mix up this order while transmitting the messages to your cell phone or mobile device.

What does 1/2 or 3/5 mean?

These numbers tell you which message you are reading. 1/2 lets you know that you’re reading the first of two messages. 3/5 represents the third of five messages.

Why do some Citizens State Bank Mobile Banking messages take longer to arrive, even if they are part of the same series of messages?

The length of time it takes some Text Banking messages to arrive is often related to your mobile provider’s network.

Whom do I contact if I need help with Mobile Text/SMS Banking?

You can call our Customer Support Center at (800)-800-6593.

SMS/Text Message Consumer Mobile Consumer Mobile Apps Consumer  Tablet
Account Balance Current and available balance on one designated account.
Current balances on all accounts.
Current and available balances on all accounts. Current and available balances on all accounts. Current and available balances on all accounts.
Account History Last 5 transactions of one designated account. 30 days of history. Up to 180 days.  Dependent upon how much history your financial institution purchased. Up to 180 days.  Dependent upon how much history your financial institution purchased.
Transfers Yes Yes Yes Yes
Bill Pay No Yes Yes Yes
Branch Locator No Optional.  Must have Consumer Mobile Banking Premier.  Pulls from your website page the branch locations and hours. ATM & Branch locator.  Also, will give directions to that location from the consumer’s current location. ATM & Branch locator.  Also, will give directions to that location from the consumer’s current location.
Login Required No Yes – same as Online Banking login Yes – same as Online Banking login Yes – same as Online Banking login
How do you access Text messaging URL/Website *App download *App download
Target Consumers All mobile consumers Consumers who have smart phones with a keyboard feature. *iPhone/Android/**Amazon Kindle. *iPad and Android tablets.

*Supported operating systems and product updates can be found in Knowledge Base. 
**On the Kindle Fire, device limitations (no GPS and no camera) limit the app from having remote deposit capture or Locations

What if I lose my ATM/Debit Card?

In the event that your card is lost or stolen, contact Customer Support immediately at (800) 800-6593 during business hours. After hours, please call (800) 500-1044 in the event your card is lost or stolen.

How do I order an ATM/Debit Card?

To order a Citizens State Bank ATM/Debit card please stop by any of our locations or call (800) 800-6593 and speak with a Customer Service Representative.

If I forgot my PIN how can I reset it?

If you forgot your PIN number you may have it reset by visiting one of Citizens State Bank’s ATMs, branches or call us at (800) 800-6593. If you have not forgotten your PIN number but wish to change it regardless you may do so by visiting one of our ATMs, branches or call us at (800) 800-6593.

Do you provide surcharge-free ATM transactions?

All ATMs listed here can be used surcharge-free with your SUM/Presto ATM card as well as any Citizens State Bank ATM.

How is my Debit card different from a credit card?

If you look at the front of your Debit card you may notice the Visa® logo. Since all Citizens State Bank Debit cards carry the Visa® logo, your card will be accepted anywhere Visa® Debit cards are accepted (just like a credit card). However, unlike a credit card, Debit cards do not charge interest. Instead, we deduct each purchase from your Citizens State Bank account.

What is the difference between using my PIN and signing a receipt to authorize a Debit Card purchase?

Generally, when you sign a receipt this refers to the process of running a ‘Credit” transaction while using your PIN is considered a ‘Debit/ATM’ transaction. Whether you select ‘Credit’ or “Debit/ATM’, the purchase will be deducted from your account. Citizens State Bank does not charge a fee for either type of transaction. However, merchants may charge a fee.

If I see an error on my transaction history what should I do?

If you see any error(s) on your transaction history please contact us immediately at (800) 800-6593.

What is the ABA routing number?

An ABA routing number is a 9-digit number that is assigned to financial institutions by The American Bankers Association. This number identifies the financial institution where a payment was drawn from. An ABA routing number is commonly referred to as a “check routing number.”

What is Citizens State Bank’s ABA routing number?

063106501

What is an overdraft?

An overdraft occurs when you do not have enough money in your account to cover a transaction, but the Bank pays it for you will pay it anyway. The bank can cover your overdraft in three two different ways.

What overdraft services does Citizens State Bank offer?

  • Overdraft Protection – In the event that your checking account does not have enough money to cover a withdrawal or purchase, Overdraft Protection automatically transfers money into your eligible checking account from you eligible linked account (provided there are funds available in the linked account).
  • Courtesy Pay – The Courtesy Pay program may pay (1) checks and (2) ACH items (electronic debits) if there are insufficient funds in your account to clear the items. You are automatically Opted-In to Courtesy Pay at account opening.
  • Courtesy Pay Plus – In addition to clearing checks and ACH items (electronic debits), the Courtesy Pay Plus program would include the clearing of debit card and ATM transactions if in sufficient funds are not available. Courtesy Pay Plus is not automatic. You must “Opt In” and be approved for Courtesy Pay Plus.

What are the standard overdraft practices that come with my account?

You are automatically Opted-In to the Courtesy Pay program at account opening.

How does Overdraft Protection work?

In the event that your checking account doesn’t have enough money to cover a withdrawal or purchase, Overdraft Protection automatically transfers money into your eligible checking account from your eligible linked account (provided there are funds available in the linked account).

How do I setup Overdraft Protection?

You can set up Overdraft Protection using a savings account, money market account or another eligible checking account. The system will use the account you have authorized as long as you have available funds or credit. If none of your authorized overdraft protection sources have available funds or credit, we may pay items presented using Courtesy Pay or Courtesy Pay Plus, if there are funds available or in the case of Courtesy Pay Plus, you have opted in. To set up your account for Overdraft Protection, simply contact us at 800-800- 6593 or visit any of our branch locations.

Is there a fee to have or use Overdraft Protection?

There is no fee to have Overdraft Protection set up for your Checking Account.  Citizens State Bank does not charge a transaction fee for overdraft transfers from savings or money market accounts.

Is Courtesy Pay or Courtesy Pay Plus a loan?

No, they are services provided by the Bank to provide you with the convenience of knowing your purchases will be approved if there are insufficient funds in your accounts.

Why should I opt in to Courtesy Pay Plus for ATM card and Debit Card purchases?

By opting in to Courtesy Pay Plus, you add an extra layer of overdraft protection coverage which will cover ATM card and Debit Card purchases.  There is no fee to opt in and no fee if you never use the service.

What happens if I choose not to opt in to Courtesy Pay Plus?

Your cardholder experience will remain the same as it is today.  The Bank will not authorize and pay overdrafts for ATM card or Debit Card purchases.

What are the eligibility requirements for Courtesy Pay Plus?

Requirements for Courtesy Pay Plus include, but are not limited to, the following guidelines:

  • Customer in good standing
  • Consumer checking account
  • Consumer checking account is not more than 30 days delinquent
  • Courtesy Pay is required for Courtesy Pay Plus
  • A Debit Card is issued for your checking account

 

Is there a fee for Courtesy Pay and Courtesy Pay Plus?

  • There is no charge for opting in, but if there are insufficient funds in the account and Courtesy Pay or Courtesy Pay Plus is used, then there is a per item fee each time an item is paid.  The fees for both Courtesy Pay and Courtesy Pay Plus include:
    • $30.00
  • No fee will be charged on an item that is $5.00 or less or an item that causes the account to overdraft $5.00 or less.
  • As an example, if you had two authorized and paid overdraft items on Monday your total fees charged would be $60.00, if on the next day you had one authorized and paid overdraft item your total fees charged would be $30.00.
  • There is no limit on the total fees that can be charged when you overdraw your account.

What is the maximum amount available for overdrafts for Courtesy Pay and Courtesy Pay Plus?

Courtesy Pay and Courtesy Pay Plus have a combined limit of $350.00 for interest bearing checking accounts and $150.00 for non-interest bearing checking accounts. The limit includes the aggregate amount of the overdrawn item(s) and the Courtesy Pay fee(s). A fee will be assessed for each item paid by Courtesy Pay.

If my account is overdrawn, how long do I have to bring my account into a positive balance?

Repayment of the overdraft amount is expected within 30 days. If you have additional overdraft items during this time, the account must be brought to a positive balance on or before the 30th day from the date of the initial overdraft item. Deposits received by Citizens State Bank during the 30 days will be applied first to your overdrawn checking balance.

What if I exceed my Courtesy Pay or Courtesy Pay Plus limit?

Checks, ACH items or ATM Card and Debit Card purchases that exceed your account protection coverage beyond your limit may be returned or declined when presented for payment.

What if I never plan to use Courtesy Pay Plus?

You can still opt in to Courtesy Pay Plus. There is no charge to opt in and you will have an extra layer of overdraft protection for ATM Card or Debit Card transactions. Remember you will only incur fees if you use the service.

If I opt in to Courtesy Pay Plus for ATM and Debit Card purchases, will my items always be paid?

We pay overdrafts at our discretion. This means we do not guarantee we will always authorize and pay any type of transaction when there is not enough money available in your checking or designated overdraft protection accounts to cover the item. For example, we do not pay overdrafts if your account is not in good standing, or based on our review of your account management, we determine that you have too many overdrafts, you are using Courtesy Pay Plus as a regular line of credit, or there is evidence of account abuse or fraud.

How can I opt in to Courtesy Pay Plus?

  • Simply log in to Online Banking and complete the Courtesy Pay Plus Opt In/Out form found under Secure Form; or
  • Print and complete the Courtesy Pay Plus Opt In/Out form found here. You may present the form at one of our branches, or mail it to:

Citizens State Bank
PO Box 143060
Gainesville, FL 32614

  • Courtesy Pay Plus is only available for consumer checking accounts.
  • Once you make your Opt-In election, you will be mailed a confirmation of opt in notice.

What if I opt in for Courtesy Pay Plus and then change my mind?

  • Simply log in to Online Banking and complete the Courtesy Pay Plus Opt In/Out form found under Secure Forms; or
  • Print and complete the Courtesy Pay Plus Opt In/Out form found here. You may present the form at one of our branches, or mail it to:

Citizens State Bank
PO Box 143060
Gainesville, FL 32614

What if I chose to Opt out of Courtesy Pay Plus?

Your Debit Card transaction may be declined if there is not enough money in your account at the time you perform the transaction.

What if I want to Opt In again at a later date?

  • Simply log in to Online Banking and complete the Courtesy Pay Plus Opt In/Out form found under Secure Forms; or
  • Print and complete the Courtesy Pay Plus Opt In/Out form found here.  You may present the form at one of our branches, or mail it to:

Citizens State Bank
PO Box 143060
Gainesville, FL 32614

    • Courtesy Pay Plus is only available for consumer checking accounts.
    • Once you make your Opt-In election, you will be mailed a confirmation of opt in notice.

Can I opt out of Courtesy Pay and only have Courtesy Pay Plus?

Courtesy Pay is required in order to have Courtesy Pay Plus. There is no fee to have Courtesy Pay, even if it is never used.

How does Citizens State Bank process my daily transactions?

Typically, the order will be: ATM/Debit Card payments, cash withdrawals, ACH withdrawals then checks.  Checks are paid in order by sequence number.

Is there a limit to the number of overdraft transactions I can have?

The Bank shall monitor the frequency of occasions that fees relative to overdrafts are charged to a customer’s account.  If there has been six fees charged related to overdrafts in a rolling twelve month period, the Bank will make three attempts to contact you by telephone, advising the amount of fees that have been charged and that there are alternate methods for overdraft protection.  If the Bank cannot reach you by phone, a letter will be mailed to the address on your account.

Can I opt out of Courtesy Pay?

Yes, you can opt out of Courtesy Pay.  If you do not have sufficient funds in your account, at our discretion, your checks and ACH items may will be returned to the payee for insufficient funds and a $25.00 return item fee will be charged for each item.  In addition, the payee may also charge you a return fee.

  • Simply log in to Online Banking and complete the Courtesy Pay Opt In/Out form found under Secure Forms; or
  • Print and complete the Courtesy Pay Opt In/Out form found here.  You may present the form at one of our branches, or mail it to:

Citizens State Bank
PO Box 143060
Gainesville, FL 32614

What if opt out of Courtesy Pay and then change my mind?

  • Simply log in to Online Banking and complete the Courtesy Pay Opt In/Out form found under Secure Forms; or
  • Print and complete the Courtesy Pay Opt In/Out form found here.  You may present the form at one of our branches, or mail it to:

Citizens State Bank
PO Box 143060
Gainesville, FL 32614

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