ATM & Debit Card Safety

Here at Citizens Bank Minnesota, safety and security of our clients' accounts is priority. Please review the below information regarding your Debit Card.


Here at Citizens Bank Minnesota, safety and security of our clients' accounts is priority. As a precaution there are states and countries that are blocked for Debit Card use based on monitored fraud patterns. Just a reminder, when traveling out of state it is important to notify Citizens at 1-800-549-0194 or (507) 354-3165 with dates and the location of your travel so your card will be available for use.


As an account protection, Debit Cards have daily purchase and withdrawal limits. Should you need these adjusted for a large purchase or for a period of time, please contact Citizens Connection at 1-800-549-0194 or (507) 354-3165.

Fraud Monitoring

In the event there are unusual attempts or transactions on your Debit Card, you may receive a call from an after hours fraud service or a bank representative. Your card may be placed on hold for your protection until the transaction history is verified by you.

**Important: Fraud service representatives only need to verify transaction information. Scam calls often try to obtain account specific information, which when given, compromises your accounts. Should you provide any of the following: Debit Card Number, Expiration Date, Routing and Account number to an unauthorized party, they will have the ability to fraudulently access your funds. Be cautious. If you receive a suspicious call provide NO information, but instead disconnect the call. Contact Citizens Connection at 1-800-549-0194 or (507) 354-3165 with any questions or concerns.


Sign up for Text Alerts!

Citizens customers have the ability to enroll in text alerts* for their debt card activity! smsGuardian is a great tool for fraud prevention and detection!

If there are certain times of the day you wish to not be contacted, click on the "Preferences" tab and set up a "Do Not Disturb" window. Enter the time zone and select the hours you want to assign as "Do Not Disturb". Alerts will not be sent during the "Do Not Disturb" window and will be held until the window has passed.

Alerts will be sent for the following:

  • International transactions
  • Authorizations greater than $300.00
  • 8 or more transactions in 24 hours
  • Card not present
  • Out of state transaction
  • Declined authorization

Enroll in smsGuardian Alerts

*Message and Data Rates May Apply

Monitoring Your Account

It is important to monitor and immediately report any unusual account activity. For your convenience the following is available to you:

Telephone Banking: (507) 233-2265 or 1-888-476-2265

Online Banking:

Mobile Banking:

Lost or Stolen Debit Cards

If your Citizens MasterCard Debit Card has been lost or stolen please contact Citizens Bank Minnesota immediately at (507) 354-3165.

After business hours, lost and stolen cards can be reported by calling Card Member Services at 866-546-8273.