Visa Debit Card

For fast, easy access to your funds.

One piece of plastic, so much potential. Flexible, safe, and better than cash, it's like taking your checking account with you wherever you go.

icon - fraud protection
icon - fraud protection

Security & Fraud Protection

Receive 24-hour fraud monitoring and Zero Liability Fraud Protection*

world-wide convenience
world-wide convenience

Worldwide Convenience

Use everywhere Visa is accepted ― retail stores, gas stations, online, and more

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icon - pay bills

Convenience of a Credit Card

Funds are taken directly from your checking account - no interest charges

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icon - travel

Travel Protection

Set up a Travel Notice for security and convenience

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icon - digital wallet

Add to Your Digital Wallet

One of the most secure ways to pay using your phone, tablet, or computer

Order Your CSB Visa Debit Card
Order Your CSB Visa Debit Card

Get Your Own Debit Card

Visit any CSB office, use digital banking, or contact Customer Care. No CSB checking account? Open one today!


Digital Wallet—An Easier, Safer Way to Pay

With your Citizens State Bank card in your digital wallet, you can check out in seconds. No more searching for your card or typing in payment details. You can pay with your digital wallet online, in apps, and in stores.

Apple Pay® | Google Wallet | Samsung Wallet

What makes a digital wallet safe?

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icon - tokenized transactions

Tokenized
Transactions

Your real card number is never stored or shared with merchants.

icon - unique payment code
icon - unique payment code

Unique
Payment Codes

Every purchase gets a unique code used to validate card payments.

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icon - secure access

Secure
Access

Only you can unlock your device and your digital wallet.

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icon - encrypted

Encrypted
for Safety

Extra layers of security keep your data safe.


Debit Card FAQs

 

How do I activate my debit card? Will I receive my PIN in the mail? How do I set up or change my PIN?

Call 800-290-7893 to activate your card. If you stay on the line after activation:

  • Enter 1 at the prompt
  • Set your Personal Identification Number (PIN)

 

You will not receive your PIN in the mail. If you don't set up your PIN when you activate your card:

  • Call 800-290-7893 any time
  • Enter your card information
  • Press 1 to set up your PIN
My card is expiring in September. Does that mean Sep 1 or Sep 30? Will I automatically receive a new card, or do I need to order one?

Cards are re-issued automatically before your card expires on the last day of the month.

 

When you receive your new card, activate it and destroy your old card immediately.

How can I order a new card?

To order a new debit card:

If you've lost your card, be sure to cancel it using Digital Card Controls (or contacting Customer Care) to prevent fraud.

Can I get a new debit card at my local CSB office?

Yes. All Citizens State Bank locations can issue a debit card instantly. (If you're expecting a replacement in the mail, this might not be a good option. Talk to your banker for details.)

Where can I use my CSB Visa debit card? Can I use it internationally? Add it to a digital wallet?

You can use your debit card anywhere Visa is accepted, including online and international transactions. If you're traveling, we suggest setting up a Travel Notice to ensure you can use your card and to avoid triggering fraud alerts.

 

If you use your card internationally, there is a Visa fee between 1 - 3% for of the transaction amount. (This is not a bank fee.)

 

You can add your card to digital wallets, including Apple Pay and Google Pay, and you can set it up in applications like PayPal.

What's the difference between a Visa debit and Visa credit card?

A debit card removes funds from your checking account whenever a purchase is made. 

 

You apply for a Visa credit card, and approval is based on your credit history and score. If/when you're approved, you'll have a spending limit, monthly payments, and interest charges if the balance isn't paid in full.

Can I add a "stop payment" to a debit card transaction or cancel a pending transaction?

No, you cannot cancel or stop payment on debit card transactions.

 

If you're paying for a subscription with your debit card, you will have to contact the merchant providing the service to prevent future charges.

What should I do if I don't recognize a transaction or I think my card's been stolen?

If you notice fraudulent transactions, we recommend using digital card controls to lock your card immediately:

  • Choose this feature in digital banking
  • Choose the card you’d like to lock
  • Tap the toggle beside the card to lock it
  • To unlock your card, tap the toggle back to green

 

To dispute a charge(s), you can:

What is my daily spending limit? Can it be changed?

The daily spending limit on personal debit card purchases is $2,500 and $500 for ATM withdrawals. The limit for business card purchases is $5,000 and $500 for ATM withdrawals.

 

To request a higher (or lower) limit:

 

Can I get an extra debit card to give to someone else who isn't on my account?

To give a debit card to someone else to use, that person would have to be added as a joint accountholder.

 

If you'd like to have a debit card for your child who is 13 or older to use, you can open a joint account for the child, and we can issue a debit card in their name.

Is there a difference between signing a receipt or using a PIN to make a purchase?

Most merchants do not require a signature to make a debit transaction, however, using your PIN is a more secure way to prevent account fraud.

 

*For fraud protection monitoring, please make sure the contact information we have for you is correct. If you notice fraudulent activity, or if your card is lost or stolen, it's important to report it asap.

Traveling?

inside-an-airport

 

If you’ll be traveling, setting up a Travel Notice for your debit and credit cards will prevent irregularities in your purchases from triggering fraud alerts and disabling your card. You can set up Travel Notifications on your CSB debit card a few ways, including: