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Personal Banking / Credit Cards

Credit Cards

Consumer Visa Credit Card

Download Application - PDF

  • 6.90% APR introductory rate for the first six months, including balancing transfers
  • No Annual Fee
  • Earn Scorecard rewards including gift cards, merchandise, travel.
  • Falcon Fraud Alert Monitoring
    • Zero fraud liability for unauthorized purchases
    • Card holder must notify us promptly of any unauthorized use. Certain conditions and limitations may apply.
  • Easy minimum monthly payments of 3% of outstanding balances, or $20, whichever is greater
  • Personalized credit limits to suit your spending needs
  • Local Hometown Service
  • Cash Advances at Financial Institutions Worldwide
  • Accepted Worldwide
  • New chip technology
    • Balance Transfer Option Available

Scorecard & Travel Rewards

  • You earn one Bonus Point for each purchase dollar
  • Redeem Scorecard points for gift cards to popular retailers and restaurants
  • View a wide selection of national retailers and be rewarded with money saving offer
  • Receive a lower price for higher value vouchers good for use when shopping instore or online at specific retailers
  • Browse Scorecards & Travel Rewards Catalogs
  • www.scorecardrewards.com
  • Scorecard Redemption Customer Service: 1-800-854-0790
  • Travel Services Rewards Customer Service: 1-800-842-3006

Visa Checkout

Visit www.visacheckout.com to watch the video and learn what, why, who and how to use Visa Checkout.

Visa checkout is 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. It's available on any device no matter where you are and can be used by anyone who owns a Visa credit card.

  • Fast, convenience checkout on any device.
  • Simple, streamlined user experience.
  • Secure, reliable transactions and fraud advice. 

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 https://www.mycardstatement.com
  • With this service, you can access your statements and current transactions online 24/7/365

Making Payments

  • Drop off or mail 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 Citizens 24
  • Schedule payments through https://www.mycardstatement.com
  • Mail to Visa Nextline
    PO Box 4512
    Carol Stream, IL 60197-4512
  • 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)