Visa Debit Card

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

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.

To order a new debit card:

• Use Digital Card Controls or Chat in Digital Banking
• Contact Customer Care
• Have a card printed on-demand at your local office

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

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.)

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.

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.

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.

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:

• Use the Chat feature in digital banking
• Contact Customer Care at 888-529-5450
• Visit your local office

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:

• Use the Chat feature in digital banking
• Contact Customer Care at 888-529-5450
• Visit your local office

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.

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.