Citizens State Bank is pleased to offer you a variety of debit card options and EMV chip technology with our standard checking accounts.
You can receive your debit card through the mail or instantly at any of our bank branches.
Frequently Asked Questions:
If you don't already have a debit card connected to your Citizens State Bank account, you can apply for one at any time - as long as you have a Citizens State Bank checking account. Click here for our debit card application, call us, or visit a Client Service Specialist at any branch to order one of our new EMV Chip cards.
Your checking account comes with a FREE debit card.
If you need a replacement card you can order one in the mail for free, or have one instantly issued in any of our branches for a small fee. If you would like a new EMV chip card before your current card expires, you may visit any of our branches and one of our Client Service Specialist will be happy to order one for you. Your card will be delivered to you by mail 5 to 7 days later, and the fee will be waived.
EMV stands for Europay, Mastercard and Visa and is the new global standard for security. The small chip you can see on the card is a microchip that is used to authenticate and authorize transactions.
This chip creates an encrypted unique set of data to authentic every individual transaction, unlike the traditional magnetic strip that uses the same authentication data for all transactions. By varying this data every time you use the card, it is harder for criminals to steal and copy that data. As a result this technology helps protect your personal information and decreases the risk of counterfeit fraud.
Because EMV Chip cards are relatively new to the U.S. not all vendors/merchants have upgraded their point of sale terminals to be EMV chip card compatible. In this case you can still use the magnetic strip on the card. However, if the terminal is EMV chip card compatible, and you swipe your card first, the terminal will most likely prompt you to insert the card instead.
Unfortunately because you will be issued a new card number, any recurring payments on your old card will need to be updated.
You will receive your EMV chip card when your current card expires, or if it is lost or stolen. If you would like an EMV chip card before your current card expires, you may visit any of our branches and one of our Client Service Specialist will be happy to order one for you. Your card will be delivered to you by mail 5 to 7 days later.
EMV chip cards work by inserting, sometimes called dipping, instead of a swiping the card. You insert the card into the terminal, chip first and face up, and leave the card in. When prompted by the terminal enter your PIN or sign the receipt. After the transaction is complete the terminal should prompt you to remove you card.
A new EMV chip card order will take between 5 and 7 business days.
An instant issue card can come with any of the three designs to the right. Or if you are ordering an EMV chip card, your design options are below.