debit and credit cards

Debit and Credit Cards

Debit Cards 


Citizens Bank Minnesota Mastercard® Debit Card has an embedded computer chip, also known as an EMV chip, which adds improved security and better fraud protection for you. This technology is already securing payment cards in more than 80 countries and is now being adopted as the card standard in the United States.

You may still be required to enter your card’s PIN or sign for transactions. You can still use the magnetic strip on the back of your card if the merchant’s terminal or ATM is not yet chip enabled. 


Reader Friendly MasterCard Guide to Benefit

Report A Lost Or Stolen Card

If your Citizens Mastercard® Debit Card has been lost or stolen please contact Citizens Bank Minnesota immediately at (507) 354-3165.

You also have the ability to report a lost or stolen card from within our Go! Mobile app and iTalk service. 

After business hours, lost and stolen cards can be reported by calling Card Member Services at 888-297-3416.

Contact Us


At Citizens Bank Minnesota, safety and security of our clients' accounts is priority. Please review the below information regarding your Debit Card.

Traveling

Here at Citizens Bank Minnesota safety and security of our clients' accounts is priority.  As a precaution International Debit Card transactions are blocked based on monitored fraud patterns.  If you are traveling International, please notify Citizens at 1-800-549-0194 or (507) 354-3165 with dates and the location of your travel and your card will be open for use.

Limits

As an account protection, Debit Cards have daily purchase and withdrawal limits. Should you need these adjusted for a large purchase or for a period of time, please contact Citizens Connection at 1-800-549-0194 or (507) 354-3165.

Fraud Monitoring

In the event there are unusual attempts or transactions on your Debit Card, you may receive a call from an after hours fraud service or a bank representative. Your card may be placed on hold for your protection until the transaction history is verified by you.

**Important: Fraud service representatives only need to verify transaction information. Scam calls often try to obtain account specific information, which when given, compromises your accounts. Should you provide any of the following: Debit Card Number, Expiration Date, Routing and Account number to an unauthorized party, they will have the ability to fraudulently access your funds. Be cautious. If you receive a suspicious call provide NO information, but instead disconnect the call. Contact Citizens Connection at 1-800-549-0194 or (507) 354-3165 with any questions or concerns.

MoneyPass® ATMs 

Use your Citizens MoneyPass ATM card at any of the ATMs listed on their website without paying a surcharge. Simply visit their website. If an address has more than one ATM, please look for the MoneyPass logo on a sign at the ATM or displayed on the ATM screen to avoid paying a surcharge.

Moneypass logo

 

Use Your Debit Card to Make Cash & Check Deposits 

Did you know our New Ulm and Lakeville ATMs take cash and check deposits? It is super easy, just follow the on-screen prompts or watch this video to get familiar with the process. Just another innovative way to bank with Citizens!

 

Credit Cards

Are you looking for a rewards card that earns automatic bonus points on every purchase, every month? Or maybe you prefer a card to pay down your balances on other credit cards faster or to save on interest. Whatever your needs, we have a credit card that’s right for you!


Apply for a New Credit Card

 

Mobile Wallet

A mobile wallet is a way to carry your debit card or credit card information in a digital form on your mobile device. Instead of using your physical card to make a purchase, you can pay with your smartphone, tablet or smartwatch. Load your Citizens Bank Minnesota Mastercard® Debit Card into your Mobile Wallet, make it your default card and simply Tap - Pay - Done!

You can use your Citizens Mastercard® Debit Card with any of these trusted wallets: Apple Pay, Google Pay, Samsung Pay and Masterpass.

How Mobile Wallets Work
  1. Download the mobile wallet app (or it may already be built into your mobile device).
  2. Add your credit card or debit card information to the mobile wallet.
  3. When you check out at participating merchants, access the mobile wallet and choose your card. If you're making an in-store purchase, just hold your mobile device at the terminal, over the Near Field Communication (NFC) reader.
Mobile wallet info graphic shows how to use a mobile wallet
Why Should I Use A Mobile Wallet?
  • It's a safer way to pay! Digital wallets generate a one-time-use number each time you shop to help keep your information private. Your payment information is never shared with merchants or stored on your device. Plus when you use your Citizens Mastercard® Debit Card, you're also covered with Mastercard® Zero Liability - so you're not liable for unauthorized purchases.
  • It's easy and convenient! Stop fumbling with your wallet, pay with a simple tap, click or touch.
  • It reduces your risk of losing your physical card as well as less wear and tear on it!
  • You can use it online if the merchant accepts it!
There are many mobile wallets to choose from. When you're comparing features, be sure to check out which mobile device is required and which merchants accept the wallet. Check out our "Top 5 Reasons To Use A Mobile Wallet" videos on our Media Center page
Google Pay the Google Pay logoJust hold your Android mobile device near the reader with your finger on Touch ID. 

Apple Pay  The Apply Pay logoJust hold your iPhone near the reader with your finger on Touch ID or double-click the side button on your Apple Watch, then hold it near the reader. When shopping on a MacBook Pro featuring the Touch Bar, you can complete your purchase by simply placing your finger on Touch ID.

List of merchants that accept Apple Pay
Samsung Pay  The Samsung Pay logoJust hold your mobile device near the reader with your finger on Touch ID. Samsung Pay can be used almost anywhere consumers can swipe or tap their card. The more you use Samsung Pay, the more Samsung rewards you get! To enroll just open the Samsung Pay app, tap the Rewards icon, and accept the Terms and Conditions. Earn ten points for every qualifying purchase. After you earn some points, choose a reward from the Samsung catalog, which features everything from gift cards to the latest Samsung products. 

 

Fitbit & Garmin Pay

Fitbit Pay

Just add your debit or credit card to your Fitbit watch and you're ready to go! You'll get the same rewards, points, miles and other perks with Fitbit Pay that you'd receive with your physical card. Fitbit uses industry-standard tokenization to help keep each transaction private.
For more information and details about compatible devices, go to: https://www.fitbit.com/us/technology/fitbit-pay

Garmin Pay

Garmin Pay is easily accessible from your compatible Garmin Watch. Enter your passcode, select the card you want to use from your virtual wallet, and then hold your wrist near the card reader. Your card number is not stored on your device and Garmin Pay protects you by using watch-specific card numbers and transaction codes every time you make a purchase.
For more information and details about compatible devices, go to: https://explore.garmin.com/en-US/garmin-pay/
 

Card Management

Take full control of your Citizens Bank Minnesota Debit Card right from your Go! Mobile app!

Our powerful, portable app offers advanced Debit Card controls that allow you to safely and securely manage your money. It's as easy as 1-2-3 to set alerts and restrictions on your Debit Card(s), just follow the instructions below!

Steps for Card Management services

All Debit Cards associated with accounts linked within your Online Banking will be available within Card Management.
 
Card Management options:
  • Toggle to lock and unlock your Debit Card in real time.
  • Within Alerts and Protections, manage your notification settings to be alerted via text message, e-mail, or in-app messages for blocked transaction and notification alerts.
  • Protection options allow you to toggle on and be alerted for all Debit Card transactions.
  • Additional customization available for Locations, Merchant Types, Transaction Types, and Spending Limits.
Things to note:
  • Existing Debit Card limits set by Citizens Bank Minnesota remain in place. In Card Management you now have the capability to set and adjust additional transaction and monthly limits as desired to further protect your Debit Card from potential fraud. Changes made within Card Management take effect immediately.
  • International settings are only applicable if you have contacted the bank for a temporary unblock of international location, for purchase or travel.
Check out our video below to see just how easy it is to utilize debit card management controls! 
 
 
 
person taking photo of their check to deposit with their phone via mobile deposit

Go! Mobile Deposit

Go! Mobile Deposit allows customers to deposit checks to their Citizens Bank Minnesota checking and/or savings accounts using the camera on their iPhone or Android!