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Security & Fraud Protection

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The 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!
 

Identity Theft Protection

Deluxe Provent® Identity Theft Protection

Every year millions of consumers are affected by identity theft. It costs a great deal of time and money to restore your identity. Criminals continually find ways to steal your personal information and perpetrate fraud. But now you can do something to help protect yourself. Citizens Bank Minnesota and Deluxe Provent are pleased to offer you this Identity Theft Protection service:
 
ID PROTECT PLUS (Proactive Services) Only $4.99 Per Month
 
Ongoing Internet Monitoring, Identity Elements:
  • Individual name, street address, drivers license, SSN, passport
  • Up to 3 phone numbers
  • Up to 10 email addresses
  • Up to 10 Medical ID cards
  • Up to 10 Bank Accounts, Credit Cards & Debit Cards
Credit Monitoring:
  • Daily monitoring and alerts to notify you of certain activities associated with your credit file
Other Benefits:
  • Convenient 24/7 access to secure storage of your wallet
  • Assistance if you lose your wallet, experience fraud, or your identity has been compromised
 
 
Additional information can be obtained by contacting a customer service representative at 1-800-549- 0194, or by sending an email using our secure Contact Us form.
 
NOTE: Once you have signed up for this ID Theft Protection, you will receive a welcome letter in an email from Deluxe Provent/EZShield. This correspondence will provide you information regarding your coverage, including instructions for activating the Internet and Credit Monitoring portions (if applicable) of your service.
 
For more information on how to keep your identity safe, view our Trending Security Topics.
 
If you wish to cancel your Deluxe Provent Identity Theft protection, please Contact Us.
 
Deluxe Account Holder Support
Resolution Specialist Phone Support: 1-866-460-0095
M-F 7:00 AM to 7:00 PM (CST)
 

Credit Reports

At least annually, check your credit report from each of the three major credit bureaus (Equifax, Experian and TransUnion) for fraudulent activity.  Dispute any inaccurate information immediately. 
 
If you are a victim, take these steps immediately:
Place a fraud alert on your credit reports, ask for a free copy of your credit report and review those reports for evidence of accounts you did not open.

Fraud unit contacts are:

Equifax 800-525-6285
P.O. Box 740241
Atlanta, GA 30374-0241
 
Experian 888-397-3742
P.O. Box 9532
Allen, TX 75013
 
TransUnion 800-680-7289
P.O. Box 6790
Fullerton, CA 92834-6790
 

Personal Identity Information

  • Keep all identification and financial documents in a safe and private place.
  • Provide personal information only when:
    • You know how it will be used
    • You are certain it won't be shared
    • You initiated contact and know who you are dealing with
  • Request a vacation hold if you can't pick up your mail
  • Deposit outgoing mail in the post office collection boxes or at your local post office
  • Remove mail from your mailbox promptly
  • Keep your purse or wallet in a safe place at work
  • Memorize your Social Security number rather than carrying your Social Security card with you
  • Do not have your Social Security or drivers license number printed on your checks
  • Review your Social Security annual statement for accuracy
  • Provide your Social Security number only when necessary and to those you trust
  • Before revealing your Social Security number, ask:
    • Why is your number needed?
    • How will your number be used?
    • What happens if you refuse?
 

How Citizens Protects You

Passwords

Access to Online Banking requires your banking ID and a unique password. This information along with any interactions and\or transactions performed is encrypted during transmission. Citizens strongly encourages you to define a unique password that only you can provide and is not tied to any personally identifiable information that a hacker could obtain from a phone book or the Internet.

Two-Factor Authentication

Citizens provides Two-Factor Authentication which significantly increases your level of protection online. When you sign-up for Online Banking you will set this up, and can also opt to turn the feature off at the end of set-up.  For help with this feature, please see our help video on our Online Services page.

Timed log-off

The Citizens Online Banking platform will log you off after 10 minutes of inactivity. This reduces the risk of someone else accessing your financial information if you leave your PC unattended.

Firewall

Online Banking systems are protected 24 hours a day by a variety of security measures, including firewalls that block unauthorized entry.

Encryption

Throughout your Online Banking session, from login, to transaction activity, to log-off, all interactions are encrypted between your browser and the web server. Citizens employs some of the strongest levels of encryption available today.

You can identify a secure (encrypted session) by looking for the "closed lock" icon in the top left corner of your browser. Additionally, the Web address or URL will begin with https://.... This indicates the page you are viewing uses encryption. The "s" stands for "secured." Please note:  Citizens Bank Minnesota's website works best viewed in Chrome, and does not work with Internet Explorer.

More Security Measures

While the measures noted above are instrumental to your safe interaction with Online Banking, continuous monitoring is in place to alert Citizens of any unusual activity. If suspicious activity is identified, we will take necessary steps to shut down access until the issue has been resolved. Security of your information is a top priority and we take it very seriously.

Debit Card Fraud Alerts

Citizens Bank Minnesota has enlisted the assistance of our Debit/ATM Card processor, Card Processing Solutions (CPS) Fraud Center, to identify potentially fraudulent transactions. Emails and/or SMS messages are sent 24/7 in efforts to verify authorization of transaction(s) in question. If no response is received within 20 minutes, between the hours of 8:00 AM to 9:00 PM (CST Time), a telephone call will be attempted to your home, mobile device or work number on file. If there is no answer a voice message will be left. CPS Fraud Center will NOT ask for confidential information and will only attempt to verify transaction(s) in question. Citizens may also attempt to contact you during banking hours regarding transaction verification or suspected fraud.

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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!