Debit Cards 

Citizens Bank Minnesota MasterCard Debit Card has an embedded computer chip, also known as an EMV chip, which adds improved security and better fraud protection for you. This technology is already securing payment cards in more than 80 countries and is now being adopted as the card standard in the United States.

How to use a chip-enabled terminal. 1. Insert the chip end of your card face-up into the terminal. 2. Approve the transaction as normal. 3. Remove your card when prompted.

You may still be required to enter your card’s PIN or sign for transactions. You can still use the magnetic strip on the back of your card if the merchant’s terminal or ATM is not yet chip enabled. Either way, we have you covered.


Reader Friendly MasterCard Guide to Benefit


MyCardRules app logo

padlock logoThe power to protect your Citizens Bank Minnesota Debit Card is in the palm of your hand!

Download this FREE mobile app that allows you to conveniently control when, where and how your Debit Card can be used!

  • Turn your cards off and on: Misplaced your card? Turn it off until you find it!
  • Get instant alerts: Receive alerts based on the rules you set.
  • Control where and how your Debit Card can be used: Out shopping or on vacation? Set the card to work only where you are! 
  • Plus much more!

Download the app in the Apple or Google Play store!

Apple Store Download Button - click to download the MoneyPass App! Google Play download button


How to enroll your debit card in Guardian Text Alerts
Sign up for Text Alerts!
Citizens customers have the ability to enroll in free* text alerts for their debit 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


Report A Lost Or Stolen Card

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 888-297-3416.


Credit Cards

Are you looking for a rewards card that earns automatic bonus points on every purchase, every month? Or maybe you prefer a card to pay down your balances on other credit cards faster or to save on interest. Whatever your needs, we have a credit card that’s right for you!

Make a Payment

Apply for a New Credit Card


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