Business Banking / Credit Cards

Credit Cards


Tired of waiting days for a user or limit change? With the Citizens State Bank Visa credit card, your local office can add or delete a user, change card limits, accept payments, and answer questions. Nothing can beat our local hometown service!

Additional features:

  • Easy minimum monthly payments of 3% of outstanding balances, or $20, whichever is greater
  • Local underwriting
  • Cash advances
  • Personalized credit limits
  • Balance transfers
  • Accepted worldwide
  • Able to monitor credit card activity online
  • Detailed statements with travel and entertainment expenditures
  • Visa Checkout  (a digital payment service designed to simplify the checkout experience using a secure, single sign-on across channels and devices using a customer's preferred payment method)
  • New EMV safety features

Travel Accident Insurance

  • Travel Accident Insurance is included when your travel fare is charged to your Citizens State Bank Business or Personal Card

Online Account Management

  • Secure online access to your account to review statements, make payments, and more at
  • With this service you can access your statements and current transactions online 24/7/365.

To get started download application - PDF

Making Payments

  • Make payments at your local office.
  • Set up ACH Autopay that allows for direct credit card payments from your checking or savings account
  • Bill pay via online banking.
  • Via
  • Mail to Citizens State Bank.
  • Mail to Visa
    PO Box 4512
    Carol Stream, IL
  • Credit card customer phone service: phone payment (There is a fee to talk with a live person).
    Call 1-800-423-7503
    Open Mon-Fri 7 am – 8 pm (CST)