Digital Banking FAQs

Welcome to Citizens State Bank!

We've put together a resource for questions we frequently receive. If this isn't helpful, feel free to contact Customer Care. [formemailcall

Getting Started with Digital Banking:

How to enroll in digital banking:

Visit and follow the on-screen instructions.

What is "Two Factor Authentication," "2FA," or "Two Factor Code?"

Two-factor authentication (2FA) is a security feature that helps protect your account information. To implement 2FA:

  1. Enroll your email address and phone number
  2. Choose to receive your one-time code via text, automated call, or via an authenticator app like Authy
  3. After entering your code, you can choose "Don't ask for code again on this computer" to avoid entering a code every time you log in. (This option should never be selected on a shared or public computer.)
How do I enable 2FA?

Enabling Authy 2FA

Sign into Digital Banking and go to Settings:

From Settings, choose Security > Edit Settings under the Two Factor Authentication Method:

Edit Settings


You may be prompted for your password:


Click on Set up under the Authy verification method:

Edit Settings

Continue to follow on-screen prompts:


Choose how you want to receive your code (You don't have to choose Authy):

Get Codes from Authy

Enter the code you receive:

Confirm Account


What should I do if I lock myself out of my account?

If too many log in attempts are made with an incorrect verification code, your account will be temporarily locked. Don't try to set up a new account or change your password during this time.

If you have questions or need help, please contact Customer Care at 888-529-5450.

I check "Remember This Computer," but I still have to enter a verification code every time I log in.

There are a few things that can cause this to happen:

  • Logging in using different browsers, even on the same computer
  • If your browser history is deleted
  • If your browser is set up to delete your cookies and history automatically
How do I enable Fingerprint or Touch ID/Face ID in the mobile app?

Enable Fingerprint (Android):

  • Select Settings
  • Select the toggle next to Biometric sign-in
  • Touch the sensor with your finger to verify your fingerprint
  • If you have not already registered a fingerprint on your device, you'll be prompted to do so

Enable Touch/Face ID (iOS):

  • Select Settings
  • Select Security Settings
  • Select the toggle next to Touch ID to Login
  • Select Enable Touch ID
How do I clear the cache and cookies in my browser?

If you are having issues accessing online banking, you should clear the cache and cookies in your browser.  This can be a quick fix for your issue, including problems resetting your password.

Desktop Browsers:

Mobile Browsers:

Note: Microsoft Internet Explorer has been officially retired by Microsoft and is no longer supported.


General Digital Banking Information:

Help! I'm locked out of my account!

Use the Forgot option and follow onscreen instructions to reset your password. If that doesn’t work, contact Customer Care (888-529-5450.)

Where can I find "Settings?"

If you're using an Android:

  • Select the "hamburger," or 3 lines in the upper left corner
  • At the bottom of your menu, click the drop down ↑↓ then select "Settings"

If you're using an iPhone:

  • Select the "hamburger," or 3 lines in the upper left corner
  • Click on your name in the lower left corner of your screen
  • Choose "Settings"
How do I customize my dashboard?

In both online banking and the mobile app, scroll to the bottom of the screen to the "Organize Dashboard" button.

How do I change my password?

On the login screen, choose the “Forgot?” option and follow the onscreen instructions.

How do I change my contact information?

You can edit your name, add a photo, update your telephone number and your email address by clicking "Settings" then "Profile."

To update your mailing address, please contact Customer Care (888-529-5450.)

I need to update the phone number I use with two-factor authentication.

To change the phone number used for 2FA:

Select Settings -> Security -> click the "Reset" link next to "Two-factor authentication"

Can I remove or hide an account on my dashboard?

Yes, you can hide accounts - while on the dashboard, choose the account you'd like to hide, then choose the "Settings" tab and toggle the "Display" button to Off. If you change your mind, just turn the toggle switch back to On.

Why can't I rename my account?

Your account might not be "attached" properly to digital banking. Please contact us and we'll be happy to fix this for you.

Can I see my check images?

Yes, you can see both the front and back of checks that have cleared.

  • Choose the account, then the transaction you want to review
  • This will open a Transaction Details window
  • Click the image to see the front, and the View Back link to see the back 

You can also make Notes or add Tags or Images in the Transaction Details window.

Can I view detailed information about ACH transactions?
  • If an item shows as Pending you'll see basic details of the transaction like amount, date, etc.
  • After an item has posted, you'll see full details and be able to add a Tag, Notes, an Image, etc.
  • If you export transactions, you'll see all details of posted ACH items
How do I manage my transactions?

To take advantage of Transaction Management

  • Choose the correct account
  • Tap transactions to see the Transaction Details window
  • From here, you have the options to add Notes, Tags, or Images and, if the transaction is a cleared check, viewing the front and back of the check
How do I sign up for e-statements?

Complete this Enrollment Form.

After enrollment, your electronic statements are accessible by clicking the account and choosing the Documents tab. From there, choose the statement you'd like to see.

How do I set up Account Alerts?

In the Settings area, select User Alerts and follow the instructions.

How do I set up Direct Deposit?

Setting up your Direct Deposit is easy!

  1. Login to the CSB app or online banking
  2. Select Set up Direct Deposit
  3. Search for your payroll provider or employer 
  4. Enter your credentials (💡Pro Tip - make sure you know your username and password before starting set up.)
  5. Select your account 
  6. You're finished!

How to Download a Quickbooks File

After you log in to digital banking, choose the correct account from the Dashboard to view Transactions:

Online Banking Dashboard


From the Transactions screen, click Download:

Showing the Download Icon

Specify a Date Range:

Download Activity

and choose the correct File Type:

Showing How to Select a File Type

Digital Card Controls:

What should I do if I've lost my debit card?

If your debit card has been lost or stolen,

  • Go to the Card Management section of your Dashboard
  • Choose the correct debit card(s)
  • Select Report Lost/Stolen, then follow onscreen instructions
Please note this will deactivate your card and block any one-time or recurring transactions.
How do I activate my new debit card?
  • Go to the Card Management section of your Dashboard
  • Select Activate New Card
  • Follow the onscreen directions
How do I turn my debit card on/off?
  • Choose Card Management on your Dashboard
  • Select the correct debit card
  • Click the Toggle button and confirm you want to lock your card
  • To unlock the card, click the Toggle button again and your card status will change to Active
How do I set up spending limits for my debit card?

To set up spending limits:

  • Go to the Card Management section of your Dashboard
  • Select Alerts and Protections
  • Then Spending Limits
  • Complete the fields as directed
How do I set up debit card Alerts?
  • Go to the Card Management section of your Dashboard
  • Choose the type of Alert you'd like to receive - by LocationMerchant TypeTransaction Type, or Spending Limit
  • Follow the onscreen instructions
Do I have options for how I receive my Debit Alerts?

Yes, you can choose to receive Alerts via EmailIn-App Messages, or Text.

  • Go to the Card Management section of your Dashboard
  • Choose Alerts and Protections
  • Then choose Notification Settings
How do I block debit card transactions?

Go to the Card Management section of your Dashboard. Choose the correct debit card, then choose Alerts and Protections. From there, determine the type of protection you'd like to set up. Common examples:

  • To prevent your debit card from being used for making online purchases, go to Transaction Types and block eCommerce transactions.
  • To ensure your HSA debit card is only used for approved purchases, you can choose to go to Transaction Types and/or Merchant Types and block the options you wouldn't use to pay for medical-related purchases.

Digital Bill Pay:

What are the primary benefits of Digital Bill Pay?
  • Save time. With Digital Bill Pay, you can receive and pay your bills online, all in one place. No more visiting multiple websites to pay bills or trips to the post office to mail checks. In addition, smart features such as recurring payments allow you to automate regular bill payments.
  • Save money. Paying bills online saves on postage, envelopes, late fees and checks. If you pay just 10 bills per month, you can easily save over $110.00* per year.
  • Stay organized. Your payment history is stored in your online account, so you won't have to sort through paper receipts or visit multiple websites to access past transactions.
  • Gain peace of mind. Paying bills electronically means no risk of mailed checks getting lost or stolen. Plus, you can stop worrying about missing a bill payment when you set up reminders and automated recurring payments.
  • Help the environment by saving paper. With Digital Bill Pay, there are no checks to write or envelopes to mail. That's good news for you and the environment.

*Savings are approximate and based upon the average annual cost of stamps, envelopes and checks required for paying 10 bills per month.

How do I enroll in Bill Pay?

To enroll

  • Choose the Bill Pay tab
  • Follow the onscreen instructions 
  • Accept the agreement

You're ready to get started!

How do I pay a bill?

If this is the first time you are paying a vendor:

  • Choose + New Payee
  • Choose Company or Person
  • Complete the fields as directed
  • After the payee is set up, choose Pay This Bill and follow the instructions

If the vendor has already been set up:

  • Choose the correct Payee from your Payee List
  • Enter the payment amount
  • Schedule your payment date
How do I pay a person?
How are bill payments delivered?

Payments may process electronically or by check - it depends on the vendor. The goal is to deliver your payment securely, using the fastest method available for your payee.

Electronic payments will either process through ACH or by virtual card. All other payments are made by paper checks that are mailed via the U.S. Postal Service.

How do I make a loan payment?

For Citizens State Bank loans, you have a few options:

  • Choose your payment account on your Dashboard, then Transfer. Choose the loan account to transfer to, then follow the onscreen instructions.
  • Choose your loan account on your Dashboard, then the green Pay button and follow the instructions.
  • Choose Transfer on the Dashboard and complete fields as directed.

To pay a loan with someone other than Citizens State Bank, set the financial institution up as a Payee in Bill Pay and schedule payments as you would with any other vendor.

How do I schedule a payment date?

After you’ve chosen a Payee and entered your Payment Amount, you’ll see when the payment will be sent underneath the Submit button. (“Sends today electronically, arrives by tomorrow.”)

To select a different frequency or date, choose More Options, select the date, then Submit.

Can I change or cancel a payment after it's set up?

Select Payments from your Dashboard.

  • If the status is Scheduled, you can change or cancel your payment
    • Select the payment, make your desired changes, then click Save
  • If the status is Paid, you are unable to make changes


How do I use Zelle?

You can send, request, or receive money with Zelle®. To get started:

  • Log into digital banking
  • Select Send Money with Zelle®
  • Follow the on-screen instructions

To send money:

  • Select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile number)
  • Add the amount you’d like to send and an optional note
  • Review, then hit Send

The recipient will receive an email or text notification via the method they used to enroll with Zelle®. Money is available to your recipient in minutes if they are already enrolled with Zelle®.


To request money using Zelle®:

  • Choose Request and select the individual from whom you’d like to request money
  • Enter the amount you’d like, include an optional note
  • Review and hit Request

If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile number.


To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your Citizens State Bank account, typically within minutes.


If someone sent you money with Zelle® and you have not yet enrolled, follow these steps:

  1. Click on the link provided in the payment notification you received via email or text message.
  2. Select Citizens State Bank.
  3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification - you should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money.
Is there an educational center to learn how to use Zelle® safely?

Yes, you can access the Zelle®  Pay It Safe Education Center to explore resources, test your knowledge, and get new tips on how to keep your money safe in a digital world.

What if I get an error message when I try to enroll an email address or U.S. mobile number?

Your email address or U.S. mobile number may already be enrolled with Zelle® at another bank or credit union. Call Zelle's customer support team (844-428-8542) and ask them to move your email address or U.S. mobile number to Citizens State Bank so you can use it for Zelle®.


Once customer support moves your email address or U.S. mobile number, it will be connected to your Citizens State Bank account so you can start sending and receiving money with Zelle® using Citizens State Bank digital banking tools. Please contact Customer Care (888-529-5450) for help.

Are there any fees to send money with Zelle?
We do not charge fees to send or receive money with Zelle®.

Your mobile carrier’s messaging and data rates may apply.

Are there any limits for sending and receiving money with Zelle?

The amount of money you can send, as well as the frequency, is set by each participating financial institution. For Citizens State Bank limits, contact Customer Care (888-529-5450).

There are no limits to the amount of money you can receive. However, the person sending you money will most likely have limits set by their own financial institution.

Can I cancel a payment?

You can only cancel a payment if the receiver hasn’t yet enrolled with Zelle. If the person you sent money to has already enrolled, the money is sent directly to their bank account and cannot be canceled.  This is why it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.


To check whether the payment is still pending, go to your activity page, choose the payment you want to cancel, then select Cancel This Payment. If you don't see this option, please contact Customer Care (888-529-5450) for assistance with canceling the pending payment.


If you sent money to the wrong person, please contact Customer Care immediately (888-529-5450) so we can help.

Can I pay a small business using Zelle?

You'll have to ask the small business if they accept Zelle® payments. If they do, you can pay them directly from your Citizens State Bank account using just their email address or U.S. mobile number.


Neither Citizens State Bank nor Zelle® offers a protection program for any authorized payments made with Zelle®, so you should only send money to people (and small businesses) you trust. Always ensure you’ve used the correct email address or U.S. mobile number when sending money.

Can I send money internationally?

In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the United States.

Setting Up Direct Deposit

Setting up your Direct Deposit is easy!

  1. Login to the CSB app or online banking
  2. Select Set up Direct Deposit
  3. Search for your payroll provider or employer 
  4. Enter your credentials (💡Pro Tip - make sure you know your username and password before starting set up.)
  5. Select your account 
  6. You're finished!

If you're unable to set up direct deposit without  a form, you can access one in our Switch Kit.

Atomic Deposit Demo-1

Depending on your payroll provider, your direct deposit can take from one to three pay cycles to take effect.

If you still have questions, please contact your Personal Banker or Customer Care at 888-529-5450.