Young woman using laptop.

Online Services

Online Banking

Do your banking anytime, anywhere with Citizens Online Banking!Citizens Bank Online Dashboard view

  • Check balances
  • Transfer funds
  • Pay bills
  • e-Statements
  • Message a bank representative
  • Organize dashboard
  • Re-name accounts
  • Link another financial institution

Need help logging into Online Banking using the two-factor authentication? Click on the image above to watch a short video walk-thru!

Enroll in e-Statements

Getting e-Statements reduces the risk for fraud, clutter in your mailbox and allows you 24/7 access to your statements! 

Online Banking Alerts
Don't be caught off guard with your finances. Online banking users have the option to set up Alerts! You can set up Balance and Transaction Alerts, all from your online banking! It's easy!
  1. Go to 'Accounts'
  2. Click on the account
  3. 'Alert Preferences'
  4. Two alert types
    • Balance alerts
    • Transaction alerts
      • Can be notified by text, email or in-app message

Online Bill Pay

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.

Person-to-Person Payments
This convenient feature allows you to send a person-to-person payment via text or email to anyone you choose, such as a landlord, babysitter, relative or more.

Gift Checks & Donation Pay
Have you ever been invited to a wedding or birthday party you couldn't attend? With our new gift check feature you can easily send a gift check or charitable donation personalized by you directly from your account.

(Gift Pay - $2.99 per transaction. Donation Pay - $1.99 per transaction) 

e-Bill is a feature that allows you to link your bill summaries for eligible companies so that payment information (amount and due date) will show right within your Citizens Online Banking Bill Pay. You will also have access to the following:

  • View, download, or print a PDF of your current bill
  • Customer support information from the biller
  • An archive of previous bills
Expedited Check Payments
Ever had a payment due date sneak up on you? A great new option is to have your payments delivered faster than the standard schedule with an expedited check payment.

(Rush Delivery: May be scheduled until 4:00 PM ET. Check payment delivered to submitted physical address. Payment deducted from account when check clears. UPS tracking provided. Next day delivery - $19.95. Two day delivery - $14.95.)

If you elect to use the Bill Pay Service, by setting up payees, scheduling payments and identifying payment amounts, you are acknowledging that you want to use the Bill Pay Service. You authorize us to charge your Payment Account for person-to-person, gift check, donation pay, and expedited payment fees.

Online & Mobile Messaging

It is easier than ever to communicate with Citizens!

We have an option to chat with us using the messaging feature within Online Banking and our Mobile App! Ask about transactions, update your address, ask questions about your debit card and more. Check out this video for more details!. (Messaging feature is staffed during regular business hours.)

External Transfers (Bank-to-Bank Transfers)

External Transfer feature is available for consumer client accounts upon request. Once enabled and setup, this feature allows you to transfer funds between linked deposit accounts within your Citizens Bank Minnesota Online Banking, and deposit accounts held at other U.S. financial institutions that are under your ownership and for which you have transfer rights.

  • Must have a consumer deposit account and Online Banking with Citizens Bank Minnesota 
  • Must only enroll accounts from another financial institutions that are under your ownership, and for which you have transfer rights
  • Daily limits apply, please contact Citizens to request an adjustment

How to enroll?  Contact your local Citizens Bank Minnesota branch, or send us a message from within your Online Banking. mobile banking message icon

 How To Protect Your Computer

• Update virus protection software periodically and after every new virus alert is announced

• Do not download files or open hyperlinks sent from people you don’t know

• Use a firewall program to reduce the risk of your computer being accessible to hackers

• Enter personal and financial information only when there is a “lock” icon on the browser’s status bar and look for URL to read “https” versus “http”

• If you must store personal and financial information on your computer:

  1. Make all passwords hard to guess by using complex combinations of numbers and upper and lower case letters
  2. Don’t use an automatic log-in feature
  3. Always log off when you’re finished

• Before discarding a computer, delete personal information using a “wipe” utility program to overwrite the entire hard drive

Group of people cheering with confetti falling down

WooHoo! (It's What We Do)

Why go with "ho hum" when you can have WooHoo! Checking? Learn more about the account that makes you jump for joy!