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Fraud & ID Theft

Electronic fraud is one of the fastest growing crimes in the United States. Email fraud in particular accounts for a large percentage of electronic fraud. Citizens State Bank is dedicated to helping you understand fraud as well as providing you ways to protect yourself from the most common forms of fraud.


This a common technique used by fraudsters to try and capture sensitive customer information through email. Phishing attacks are also common via phone calls (Vishing), text messages (SMS Phishing) and social media outlets. Typically, the fraudster will send an email to a user falsely claiming to be an established and legitimate financial institution. The email usually tries to get the recipient to disclose personally identifiable information or more common account details such as passwords, user names, and account numbers.


Phishing techniques commonly incorporate the use of spoofing as a way to legitimize their activity. For example, email phishing attacks commonly contain spoofed email addresses which look legitimate to the receiver but actually mask the true identity of the sender. Website spoofing is another commonly used technique whereby legitimate financial institution’s websites are duplicated (most often poorly) to look similar in nature to the real, and secure, website. Typically, a link to the website is placed in the email.

Identity Theft

Citizens State Bank wants to make you aware of daily things you can do to protect yourself from ID Theft.

  • Report lost or stolen cards immediately by dialing 1-800-800-6593 or 1-800-500-1044 if it is after hours.
  • Shred all materials in a home shredder that have important information on them such as your full name, date of birth, account numbers, etc. Individuals have had their identities stolen from “dumpster divers.” By signing up for eStatements you can significantly reduce this risk.
  • Never share your full Social Security number with any one through email. Email is not a secure method of transferring confidential information of ANY kind.
  • Check your credit report at least annually to dispute any possible discrepancies. You can obtain a free yearly credit report here: Annual Credit Report

Our Promise

Citizens State Bank will NEVER contact you through email for confidential information such as your account number or Social Security number. If you receive such an email forward it to fraudprevention@csbdirect.com as this is a common tactic known as “phishing”. If we need to update such information about you we will contact you through more secure methods.

Manage Your Account

If you feel your account has been compromised please call us at 1-800-800-6593 Monday-Friday 8:00 a.m. to 5:00 p.m EST. By contacting us you will be alerting us of potential fraud and we will promptly close your account.

Identity Theft Help List

  • Contact the Federal Trade Commission by calling 1-877-ID THEFT (877-438-4338) or visit ftc.gov/idtheft.
  • Notify one of the three major credit bureaus and have them place a fraud alert on your credit report.
  • Contact your credit card companies.
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