Services & Tools / ATM/Debit Card

ATM/Debit Card

Citizens State Bank ATM Card

Access money anywhere from an ATM machine.  A Citizens State Bank ATM care is a secure and convenient way to withdraw money from your savings account!

To use our ATM card:

  • Our ATM Card is accepted at millions of ATM locations worldwide.
  • Citizens State Bank customers can use at any ATM that has the MoneyPass Logo and receive money surcharge free.
  • Enjoy the convenience of even more free ATM's with SHAZAM Privilaged Status.  Visit for surcharge free ATM's near you!

Citizens State Bank Debit MasterCard

With a Debit MasterCard you can enjoy the benefits of a checking account without the trouble of writing a check. Using our debit card is simple. It works like a credit card  but the money is deducted immediately from your checking account. 

To use our Debit MasterCard:

  • Present the card whenever you make a purchase and the amount will be deducted from your checking account like a check.
  • Use the Debit MasterCard over the phone or internet to make purchases or authorize payment. The funds will be deducted from your checking account.
  • Travel lightly without the worry of carrying cash.
  • Debit MasterCard works wherever MasterCard is accepted worldwide.
  • Able to use at merchants to request money back while making a purchase without paying ATM fees.
  • Citizens State Bank customers can use Debit MasterCard at any ATM that has the MoneyPass Logo and receive money surcharge free.
  • Debit MasterCard is accepted at millions of ATM locations worldwide.
  • There is no monthly fee or per transaction fee for having a Citizens State Bank Debit MasterCard.

To order an ATM or debit card contact your local office.

To Activate or Change your PIN

To activate your debit card and/or change the PIN number assigned to the card, you must call 1-800-717-4923 from the primary phone number Citizens State Bank has on file for your debit card.  If you do not know what phone number is listed with your debit card, please contact your local office for assistance.

Lost/Stolen Cards

USA lost card number is: 1-800-383-8000


Use the MoneyPass network ATM machines surcharge free or SHAZAM Privileged Status ATM locator. Visit or and type in your zip code to find a machine near you. 

Protect Yourself from Fraud

Protect yourself from fraud when you travel. If you plan to travel outside the United States, please contact the bank with your card number, travel dates and destination. Failure to notify the bank of your travel plans may alert our Falcon Fraud Protection Services and may delay your Debit MasterCard usage outside the United States.

If you have been contacted by SHAZAM Falcon Fraud about potential fraud on your card and have a case number please call 1-866-508-2693.

Debit Card alerts with SHAZAM Bolt$

Set up Alerts with SHAZAM Bolt$. Add another layer of fraud protection with the SHAZAM BOLT$ app.  Visit your app store and download the SHAZAM Bolt$ app today.  

  • With the app you can set up alerts to notify you of:  purchases made for more than an amount you have specified; any card-not-present debit transactions.
  • any suspicious or high-risk transaction that occurs on your account.
  • Instant Transaction Control enables you to pause your account, without affecting previous transactions, if your card is stolen or goes missing.
  • With a quick tap of a button, you can block or unblock your own card.  Note: There is no fee to use Shazam Bolt$, you may want to contact your mobile device provider for any charges that may apply to data usage. Shazam Bolt$ does no operate on voice over IP(VoIP), international numbers, or prepaid devices.

Enroll in MasterCard SecureCode

Enroll in MasterCard SecureCode before using your card for purchases online. MasterCard SecureCode is a new online security service to guard against the unauthorized use of your Debit MasterCard while shopping online at participating merchants. There is no reason to get a new card, no software to download, and no hassles, just added security. Once enrolled in this free service, you will have the added confidence knowing that MasterCard SecureCode performs an extra authentication step to protect your account from unauthorized online use. To enroll click here.

Mobile Wallet

Apple Pay, Samsung Pay, and Google Pay are now available with our Consumer Debit Card!  Download the wallet from the app store and add your card today to use card free shopping.  Available at merchants with Google Pay sign!

Person to Person Transfers with your Citizens State Bank Consumer Debit Card

Ask your banker how you can get set up for P2P transfers!