Check here for alerts and information that will keep your banking information secure.

  • Donating to help police or other first responders

    March 28, 2019
    by Rosario Méndez
    Attorney, Division of Consumer and Business Education, FTC

    Some good charities do great work to help first responders, our everyday heroes. Unfortunately, a few charities say they’ll help law enforcement officers, firefighters or their families, but do very little. They spend the vast majority of donations on fundraising, salaries and other expenses. That’s what happened with the Disabled Police and Sheriffs Foundation (DPSF).Where did donor contributions go. Per one hundred dollar. ninety three dollars and ninety five total fundrasing, management and general expenses. five dollars and forty one total charitable program service expense.

    Donor Contributions 032619

    The FTC and the State of Missouri announced today that they stopped this sham charity. According to the complaint, DPSF conned people into donating more than $9.9 million. In telemarketing calls, DPSF fundraisers told people that donations would be used for grants to disabled officers and to the families of officers slain in the line of duty. But almost no one was helped. For example, in 2015, just five disabled officers and three families of fallen officers received grants. The majority of the money — almost 95% — went to the director of the organization and the fundraisers he hired.

    It’s horrid to think that there are disabled police officers that need help but did not benefit from those donations. And it can be hard on the phone to tell what’s real and what’s not. But by taking a moment to do a little research, you can avoid donating to a bogus charity like DPSF. If you want to help your local first responders, check directly with your police station or fire department and ask if they know and will benefit from the charity that you’re considering. You can also research charities online. Check out for some tips.

    Many telemarketers are relentless and they’ll try to pressure you into making a donation over the phone. Don’t let them. A legitimate charity will be happy to get your donation anytime. And they might call you, because even if your number is on the National Do Not Call Registry, fundraisers calling on behalf of a charitable organization are allowed to call. If you want them to stop calling you, ask them to put you on the charity’s do-not-call list. They must honor that request. If you think a telemarketer has violated the rules, tell us at

  • Power Outage at Clayton Office Monday, Dec. 17

    At this time, Citizens State Bank has received word that the Clayton office's power and phone lines are down. There was an accident on the highway that took out a transformer. Crews are working to fix the transformer and an ETA for service restoration is not known yet at this time. Customers that need assistance, call our main line at 608-785-2265 to be directed to someone that can assist you. Thank you for your patience and we will update as soon as we know.

  • FTC Reports Fake Calls from Scammers Pretending to be Social Security Administration

    The Federal Trade Commission is warning about fake calls.  Check out the story.  Don't be a victim to fraud!!

  • Citizens State Bank Named Best Banks to Work For 2018 by American Banker

    Citizens State Bank has been named one of the Best Banks to Work For in 2018.

    The Best Banks to Work For program, which was initiated in 2013 by American Banker and Best Companies Group, identifies, recognizes and honors U.S. banks for outstanding employee satisfaction. Full results of this year’s program are available at American Banker and in the September issue of American Banker Magazine.

    “Our annual ranking recognizes the financial institutions that are committed to investing in employees’ job satisfaction, career development and personal growth – a ‘return on assets’ that can be hard to measure by traditional means,” said Rob Blackwell, editor in chief of American Banker. “One of the most valuable assets for any organization is the team of people it employs, and banks are no exception.”

    Determining the Best Banks to Work For involves a two-step process. The first step involves an evaluation of participating companies’ workplace policies, practices, and demographics. In the second step, employee surveys are conducted to directly assess the experiences and attitudes of individual employees with respect to their workplace. The combined scores determine the top banks and the final ranking.

    “We never stop thinking about what more we can do for our employees and creating a culture which unlike anything else in banking. We are honored to receive this recognition and look forward to continuing to make them our #1 asset. Without them we couldn’t deliver the #citizenexperience,” stated Dennis Vogel, Citizens State Bank President CEO. Citizens State Bank currently has offices in Clayton, Eau Claire, La Crosse and Onalaska and prides itself in providing an experience not seen in banking. For additional information on this one of kind organization visit

  • What you need to know about your Business Account

    Important Information!

    April 3, 2018

    Dear Business Customer,

    Your business relationship is important to us! Our goal is to make the business account-opening process an efficient and enjoyable experience for you. Effective May 11, 2018, all banks will be subject to new rules under the Bank Secrecy Act that will aid the government in the fight against crimes to evade financial measures designed to combat terrorism and other national security threats.

    EACH time an account (deposit or loan) is opened for a covered Legal Entity, we will be required to ask you for identifying information (name, address, date of birth, social security number), as well as identification documentation for:
    • EACH individual that has 25% or more Beneficial Ownership in the Legal Entity; and,
    • ONE individual that has Significant Managerial Control of the Legal Entity.
    If you are opening an account on behalf of a Legal Entity, you will be required to provide appropriate documentation and to Certify that this information is true and accurate to the best of your knowledge.

    In order to make this process as efficient as possible, we suggest that you obtain the above, bulleted information, along with a copy of the current Driver’s License for EACH identified individual. If your business will frequently be opening new accounts/loans, please keep this information current and available to present EACH time you come in to establish a new account. If you have any questions please don’t hesitate to contact myself at 608-785-2265.



    Chrystal Morgan
    SVP-Retail Banking and Compliance Officer

  • Cybersecurity Incident & Important Consumer Information

    What you need to know!

    September 7, 2017 — Equifax Inc. (NYSE: EFX) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the company’s investigation, the unauthorized access occurred from mid-May through July 2017. The company has found no evidence of unauthorized activity on Equifax’s core consumer or commercial credit reporting databases.

    The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed. As part of its investigation of this application vulnerability, Equifax also identified unauthorized access to limited personal information for certain UK and Canadian residents. Equifax will work with UK and Canadian regulators to determine appropriate next steps. The company has found no evidence that personal information of consumers in any other country has been impacted.

    For more information contact, or contact a dedicated call center at 866-447-7559 .  The call center is open ever day (including weekends) from 7:00 a.m. - 1:00 a.m. Eastern time.  Equifax is offering information to help consumers determine if their information has been potentially impacted and to sign up for credit file monitoring and identity theft protection.  The offering, called TrustedID Premier, includes 3-Bureau credit monitoring of Equifax, Experian, and TransUnion credit reports; copies of Equifax credit reports; the ability to lock and unlock Equifax credit reports; identity theft insurance; and Internet scanning for Social Security numbers - all complimentary to U.S. consumers for one year.  The website also provides additional steps consumers can take to protect their personal information.  

    In addition to the website, Equifax will send direct mail notices to consumers whose credit card numbers or dispute documents with personal identifying information were impacted.

    We encourage all customers to visit and pull your free credit report from all three credit bureaus.  If you have any questions, please contact your local office.  WE will not email you about your credit or information in your credit report.  Be wary of any emails or phone calls asking for your personal information.  

  • FDIC Cybersecurity Protection & Education

    Click link below to learn more

  • Android Users and Citizens 24 To Go Mobile App

    March 13, 2018

    Android Users and Citizens 24 To Go Mobile App

    Thank you for your patience! We have been experiencing intermittent issues pertaining to some Android operating systems and our Citizens 24 To Go Mobile App. The issue resulted in this error message:

    Android User App Error

    To correct this error message, please follow the following steps. Please note, depending on the system you are running, you may or may not need to do all the steps!

    1. Access your Android device settings
    2. Navigate to Apps (or Application Manager)
    3. Select the Citizens24 To Go App
    4. Select both 'Clear Data' and 'Clear Cache' for the app

    Some users may have to uninstall and then reinstall the app, however, clearing of the app data and cache should be done first.

    NOTE: These steps may vary slightly depending on the model of phone and the version of O/S you are running due to menu option differences by devices. If, after following the above steps, you are still experiencing problems, call 608-785-2265 and ask for our Operations Department for assistance. We apologize for the inconvenience to our Android app users!

    Thank you for your business, and have a great day!


    Citizens State Bank

  • Attn Merchant Card Processors

    TSYS Network Issue

    The TSYS network is currently experiencing technical issues, causing disruptions to service. This may affect all of Bankers’ Banks merchants. TSYS is working diligently to resolve this issue. For updates and technical support please call ScS customer support 888-389-9976.

    Voice authorizations may be obtained by calling 1-800-990-2265, bank # 067000. Merchants will also need their merchant ID. Once the TSYS issue has been resolved, Merchants can complete an offline transaction on their terminal. NOTE: At the time of sale, merchants will need to capture the complete card number, expiration date, amount of sale (plus tip if applicable), and approval number in order to complete an offline transaction once the system has been restored.

  • Attn Verizon Customers

    Verizon partner data breach exposes millions of customer records

    Accessed through an unprotected Amazon S3 storage server
    by Dani Deahl@danideahl Jul 12, 2017, 7:53pm EDT

    Millions of Verizon customers have had their records exposed, ZDNet reported earlier today. Verizon confirmed that 6 million records were compromised by Nice Systems, a Verizon partner that facilitates customer service calls. The records, which held logs from residential customers who had called Verizon customer service in the past six months, were accessed via an unprotected Amazon S3 storage server controlled by an employee of Nice Systems.

    CNN reports that the cause was a misconfigured security setting on the server. As a result, anyone who knew the web address could download the files. But Verizon says no other external party had access to the data, telling CNN that no loss or theft of customer information occurred.

    Each record included the customer’s name, mobile number, and account PIN, along with their home address, email address, and their Verizon account balance. While some records were partially redacted, most were not. Anyone with access to the records could have theoretically impersonated a subscriber and been granted access to their account.

    Verizon and Nice Systems have said they are investigating the breach. Nice also commented that the data was “part of a demo system,” but refused to elaborate. Chris Vickery, a researcher with cybersecurity firm UpGuard, first noticed the breach on June 13th and privately informed Verizon. The data was finally secured on June 22nd, nine days later.

    This is certainly not the first time a mobile carrier has suffered a data breach. In 2015, a breach at data broker Experian resulted in the exposure of similar information for 15 million T-Mobile customers. In 2016, hackers stole data from Verizon’s enterprise unit, which provides IT services to companies, and put it up for sale online.

  • Chipotle and Kmart Breach

    Have you gone to Chipotle or Kmart recently?

    We have one customer that likes burritos and used their Citizens Visa card at a breached Chipotle restaurant.

    Fortunately, our fraud protection services protected the customer because we received a pro-active notice of the potential compromise from Bankers Bank/FIS and blocked the card before there was any fraud.

    Citizens State Bank is pleased to provide all of our customers with a safe and secure credit card
    service. Although there is no “Silver Bullet” to prevent card fraud, a layered approach is the most likely to succeed. Citizens State Bank is working hard to provide a safe and secure credit card. 

    Did you use a credit or debit card at Kmart between 9/3/2016 and 4/30/17? Kmart has disclosed a data breach with the potential to compromise your credit or debit card information. For more details, please follow the below link.

  • Homebuyers Scam

    Always contact your financial institution before making a large payment.

    Scammers are targeting homebuyers by attaching a document with instructions about how to make a final payment with a bank-to-bank wire transfer. The instructions said the payment needs to be sent before the scheduled closing to increase the buyers urgency. Always contact your financial institution before making a large payment.

  • La Crescent Resident Awareness Alert

    Credit card fraud in the La Crescent Area

    La Crescent Resident Awareness Alert:
    Be aware of the possibility of credit card fraud, by checking all machines you use when scanning your credit or debit card. There have been a few recent incidences in La Crescent where credit card numbers were used for non-local purchases.
    Photos attached show some of the ways "Skimmers" obtain credit card information, as well as other bluetooth devices that can pick up the credit card number when walking by a purse or pocket.
    Don't be afraid of using your credit or debit cards, but do check your accounts with regularity and report unusual activity to your bank or credit union.

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  • Vishing

    Phone call SCAM. We will NEVER ask to verify personal information such as credit card numbers via phone.

    Customers have recently received phone calls from toll free numbers in which the individual claimed to be from Citizens State Bank. 
    This FAKE notification claims a customer’s credit cards had been deactivated and asks for credit card numbers in order to reactivate.  THIS IS A SCAM.

    This is a social engineering attack called “Vishing.” With recent large data breaches such as the Yahoo! and Amazon, there are vast troves of user accounts, e-mail accounts, and passwords available on the digital black market. It is very easy for a malicious person to purchase leaked accounts or gain access to leaked accounts. Once they gain access to an account, they can find out all sorts of personal information such as where you bank and if you receive emailed statements.

    The best defense if you feel your account was involved in a data breach is to CHANGE YOUR PASSWORD.  And give us a call.

  • New Locky Ransomware Phishing Attack

    Be aware of suspicious emails.

    Contact your banker with any concerns you have about your account. Click here to learn more.

  • Yahoo Email Scam

    Email purporting to be from Yahoo claims that you recently initiated an action to shut down your Yahoo account and you should click a ‘Cancel Request’ link if you do not want the account closed.

  • FBI Information-Sharing Portal Breached

    Click to read more.

    Contact your banker with any concerns you have about your account. Click here to learn more.

  • Phishing Scam Targets Apple Users

    Click to read more.

    Contact your banker with any concerns you have about your account. Click here to learn more.

  • All Citizens Drive-Ups & Lobbies Closing Today (Wednesday) at 4:00PM

    Due to the extreme temps we are experiencing, we will be closing our drive-up and lobbies at 4:00pm tonight. The temps will start dropping exponentially after dark tonight and we want to make sure everyone is home safely by then. We apologize for any inconvenience this may cause and will resume normal banking hours tomorrow.

    Please remember our online banking services and tools we offer for your banking needs, such as:

    Citizens 24 Internet Banking
    Citizens 24 To Go Mobile Banking
    Dial A Bank
    Mobile Deposit

  • Clayton Office Drive-Thru Closed at 4:00PM (02/07)

    Due to extreme winter weather and for the safety of our employees, our Clayton office's drive-thru is closed at 4:00 PM. We apologize for any inconvenience. Drive safe in Clayton!

  • Citizens Visa Credit Card Management Portal unavailable 10:30PM 5/17/19 until 8:00AM 5/20/19

    Due to scheduled maintenance, access to the Citizens State Bank Visa Credit Card management portal ( will be unavailable from 10:30 PM, Friday, May 17th until 8:00 AM, Monday, May 20th. We apologize in advance for any inconvenience this may cause.

    Please note that all pending payments scheduled will be processed.