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 Benefits

MasterCard Guide to Benefits Brochure


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

How To Enroll Your Debit Card In Text Alerts

How to enroll your debit card in Guardian Text AlertsCheck out this short, informational video to see just how easy it is to enroll your Citizens debit or HSA card(s) in Guardian Text Alerts!

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!

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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