Online Banking and Bill PaymentMelissa Bergeman and Julie Mathiowetz, New Ulm employees

What time does your local bank branch close? Wait, never mind -- it doesn't matter! With Online Banking you can do your banking anytime and from anywhere for free.

Transfer funds, check your balance, download statements, see if a particular check has cleared... all in real time. It's easy to use and totally secure so you can conduct all your business when it's convenient to you!

And with our Online Bill Payment service, you can make paying bills a snap. Forget licking envelopes, buying stamps, or running out to the mailbox. Save time, money, and frustration by paying all your bills from one secure website.


  • Easy to use
  • Totally secure
  • Check balances
  • Transfer funds
  • Download statements
  • Pay bills electronically
  • Set up auto payments and reminders

More Information

Your Online Banking ID and PIN Number provide added security. Once you have signed up, you will receive an Online Banking ID and PIN (Personal Identification Number). You will be required to change your PIN the first time you use Online Banking.

You can easily change both your Online Banking ID and your PIN number anytime you would like. In fact, as an added security measure, we encourage you to do so. You will be required to change your PIN every ninety days.

Three incorrect login attempts will lock your account from Online Banking usage. Once you begin an Online Banking session, ten minutes of inactivity will cause you to be automatically logged out.


Online Banking Text Alerts

Don't be caught off guard with your finances. Online banking users now have the option to set up Text Alerts! You can set up Personal Alerts, Item Alerts, Balance Alerts and Events Alerts all from your online banking! 

It's Easy!

  1. Go to Options Tab --> Personal Options. Fill in the Mobile Phone Number and select a Wireless Provider Address.
  2. Go to Options Tab --> Alerts to add or edit an alert, and to enable Text as an option.
  3. Balance Text Alerts are sent throughout the day and all other alerts are sent after an update.

Cash Management

Sweep Business Account

Make the most of your money by having extra funds in your checking account automatically transferred to your business line of credit. Set the amount you want to keep in your account, and we'll move the rest for you so you don't even have to think about it anymore.

We'll check your account daily to make sure you maintain your target balance and sufficient funds are available to maintain day-to-day cash flow for your business. We can even sweep money from other banks to your Citizens accounts!


  • Maximize returns
  • Fully automated
  • Secure transfers

Cash Concentration Accounts

If your business has multiple locations, you know what a hassle it can be to move funds from the outlying locations to the main office.

Utilize our cash concentration services to safely, conveniently, and cost-effectively move these funds so that you may invest, pay bills, or simply keep better track of your funds at a central location.


  • Added convenience
  • Completely secure
  • Easier tracking of funds

Dividend Payment Direct Deposit

Similar to paying employees their wage electronically, many of our corporate customers are finding that stockholders prefer receiving their dividends automatically deposited to their checking accounts.

Direct deposit of dividends is easy to sign up for, and it helps your business avoid the hassles of processing and mailing paper checks, re-issuing lost or stolen checks, and dealing with dividend check reconcilement. Plus it's generally much less expensive than mailing checks.


  • Secure electronic transfers
  • Get access to funds sooner
  • Safer than regular mail

Payroll Direct Deposit

Save money and time by signing up for direct deposit of payroll. It's easy to start, and you avoid the hassles of processing paper checks, re-issuing lost or stolen checks, hand-distributing checks to employees, and dealing with monthly check reconcilement. Plus, it's generally less expensive than processing paper checks if you have 15 or more employees.


  • Save postage
  • Save paper
  • Eliminate handling costs
  • Avoid reissuing checks

Direct Collections

Your business can benefit from a more assured and reliable collection of accounts from your regular customers, and more customers are demanding the convenience of being able to pay their bills via direct billing programs.

You get improved cash flow and reduce late payment issues while they enjoy more convenience and save on checks and postage. Direct collections from customers are a great way to make everyone happy.


  • Improved cash flow
  • Reduced collection costs
  • Avoid returned checks
  • Greater customer satisfaction

Log In to Online Banking

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Time versus MoneyRemote Deposit

Don't lose time by rushing to the bank with your business deposits. Deposit them electronically with our secure software and check scanner!

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Go Mobile appClover Go

Accept major credit & debit cards with your smartphone or tablet! Fast, secure & easy to use!

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PadlockProtect your business and it's assets

With our wide range of business insurance services, we can help make sure you are covered.

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Investment & Insurance products: Are Not Insured by the FDIC or any other federal government agency • Are not deposits of or guaranteed by a Bank or any Bank Affiliate • May Lose Value