Protect Yourself from Debit Card Fraud

Posted on October 17, 2025

Protect Yourself from Debit Card Fraud

Fraud attempts are becoming more sophisticated, and a new scam is targeting debit card users through digital banking. Here’s what you should know and how to protect yourself.

How the Scam Works

Fraudsters call pretending to be a bank employee or federal agency representative. They claim there’s an issue with your account and ask for your digital banking username, password, or PIN.
Once they have your information, they:

• Change your login credentials and lock you out of your account
• Update your ATM PIN
• Add your card to a digital wallet on their device
• Withdraw money using contactless ATMs

What to Watch For

• Citizens State Bank will never ask for your username, password, or card information.
• Don’t trust caller ID. Scammers can make their number look legitimate.
• Hang up and call the bank directly using the number on your debit card or our website if something feels off.

How to Stay Protected

• Set up account and transaction alerts in your Citizens Digital Banking app.
• Use strong, unique passwords and change them regularly.
• Keep your digital banking credentials private.
• Report any suspicious calls or transactions to your local branch right away.

We’re Here to Help

Citizens State Bank uses advanced fraud detection tools to help keep your accounts secure, but staying alert is the best defense. If you believe your account has been compromised, contact us immediately.