Disclosures

Online Banking Funds Availability Policy
Your ability to transfer funds between certain accounts is limited by Federal Law and your Deposit Agreement. You should refer to the Deposit Agreement for legal restrictions and service charges applicable for excessive withdrawals or transfers. Transfers made using the Internet Banking Service are counted against the permissible number of transfers described in the Deposit Agreement.

There may be at least a one-business-day delay in transferring funds between your accounts. Except as provided in this Agreement, all Internet Banking transactions instructions received by 4:15 pm Mountain time will be completed that business day. Any instructions received after 4:15 pm Mountain time will be completed on the next business day. Everyday is a business day except Saturdays, Sundays and Federal Holidays.

USA Patriot Act
To help the government fight the funding of terrorism and the money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your drivers license or other identifying documents.

Citizens State Bank’s Privacy Policy

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Online Banking Terms and Conditions
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Bill Pay
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eSTATEMENT
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Notices
Keep up with your account and enroll in our Online Banking today!!

Take advantage of our internet banking demo link and other security tutorials at the bottom of your login page!

Internet Safety Tips:
Citizens State Bank will never ask you to update any personal information through Internet Banking. However, you are required to update your PIN-Password every 90 days; Be sure that your Security Key appears on your login page BEFORE you enter your PIN-Password.

If a pop-up page appears while you are using Internet Banking, DO NOT enter any personal information, even if it appears to look like our site. This may be a “phishing” site.

Phishing:
Emails claiming to be from a legitimate financial institution asking you to submit personal, confidential or sensitive information including but not limited to answer to security questions; PINs and account numbers.

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