Credit & Debit Cards

Flexible payment at 30 million locations worldwide

With a credit or debit card from Citizens State Bank, you'll have cash-free convenience for all your everyday purchases, big-ticket necessities and unforeseen emergencies.

If you lose your ATM/debit card:

Credit card customer service:


ATM and debit cards

Citizens State Bank's ATM card allows you to withdraw cash from your checking or savings account, as well as check balances, transfer funds and make deposits (when available).

  • How it works: Money is electronically withdrawn from (or deposited to) your account when a withdrawal (or deposit) is made.
  • At ATM cash machines: ATMs can be used to withdraw cash, check balances, transfer funds, and make deposits (when available).
  • At stores: Use at stores that accept a personal identification number (PIN) to make a purchase.

Our debit cards have all the features of our ATM cards, plus the ability to make purchases at stores, over the phone, or through Internet merchants that accept Visa®.

  • How it works: Money is electronically withdrawn from your account when a purchase or ATM withdrawal is made.
  • At ATM cash machines: Withdraw cash, check balances, transfer funds, and make deposits (when available).
  • At stores: Use at stores that accept a PIN or Visa Check Card to make a purchase.
  • Online or over the phone: Use with telephone or internet merchants that accept Visa Check Card.

Privileged Status Network

Citizens State Bank is a member of the Privileged Status network. Customers of participating Privileged Status financial institutions can use the ATMs of other participating Privileged Status financial institutions without paying surcharge fees - just look for the Privileged Status logo.

Find a Privileged Status ATM near you!


Credit Cards

A credit card from Citizens State Bank can provide you with:

  • Access to unsecured credit (no collateral required against amounts charged)
  • Interest-free payment from time of purchase to the end of the billing period
  • Instant payment of purchases, allowing for instant receipt of goods and services
  • 24/7 access
  • Fraud protection

Choose the card that's right for you

To get started, just contact Citizens State Bank to talk to our Customer Service team or request an application form through the mail.

View/download Citizens State Bank credit card agreements

Verified By Visa®

In addition to our other ways of preventing, detecting, and resolving fraud, we offer Verified by Visa®, a free, simple-to-use service that confirms your identity with an extra password when you make an online transaction.

Managing your credit card

  • Use a low or no-fee credit card and save on the annual fee that some companies charge.
  • Only charge to your credit cards what you can pay off in full when the bill comes.You might not use your credit card as much if you start believing that you have to pay off your entire balance at the end of each month
  • A good way to help to reduce what you pay on your credit card is to search for a card with a lower interest rate.
  • Remember that when you take a cash advance on your credit card, the interest starts accumulating immediately and not on the due date of your credit card bill.
  • Also keep in mind that if you make only the minimum monthly repayment you may never get out of debt.

Manage your credit card online: LOGIN | ENROLL


Talk to the experts

Jan Glenn

Location: Wyoming
Phone: 563-488-2211
Fax: 563-488-2226
jan@csbwyoming.com
Do not send personal information via email.

Theresa Westhoff

Location: Wyoming
Phone: 563-488-2211
Fax: 563-488-2226
theresa@csbwyoming.com
Do not send personal information via email.