Mobile Banking & Mobile Deposit
Citizens Digital gives you 24-hour access to view your account balances, check history, transfer funds, deposit checks, pay bills (with Bill Pay), and find the nearest ATM or office location!
There is no cost from the bank to download the mobile banking app. Regular transaction fees associated with your Citizens State Bank account will apply. There may be data costs related to accessing the Citizens Digital mobile app from your mobile device. Please check your wireless plan or verify with your wireless carrier.
Any Apple, Android, Windows, or Blackberry device.
Our app is FREE to download in the App Store (iPhone) or Google Play Store (Android).
Once you download Citizens Digital from the App Store or Google Play Store and you’re enrolled in online banking, simply enter your username and password to login to your account. If you are not currently enrolled in Citizens Digital online banking, you can self-enroll on a mobile device or desktop!
Citizens Digital will provide you all the same accounts, loans, and features, no matter what device you use!
Citizens Digital includes enhanced security features as well as the option to use Duo Mobile. Duo Mobile is a two- factor push authentication app that gives you the best security and protection!
Yes, you can self-enroll in Citizens Digital on a mobile device or desktop!
Yes, you will use the same credentials for Citizens Digital with a PC and mobile device.
Never leave your mobile device unattended during sign-in or while logged into the Citizens Digital mobile app.
Yes, Bill Pay is available on the Citizens Digital app.
Yes, Bill Pay is free.
You can pay any creditor with Bill Pay! As long as you have the billing information and address of the creditor or agency, you are able to pay bills online.
Yes, prior to 3:00 pm, you are able to cancel or edit bill pay payments you have set up to be paid online. To update and make changes, click the 'edit' option listed.
Yes. Once you have set up a payee, there is an autopay option to set up recurring payments.
As a general rule, payment should be scheduled 7-14 days prior to your bill's due date. Many creditors are able to be paid electronically. Electronic payments to creditors typically arrive in as little as 2 business days.
The Bill Pay cutoff time is 3:00 pm CST on every business day. Any payment that is scheduled after 3:00 pm CST will be included in the next business day's file.
Can I transfer money using Citizens Digital?
Yes, you can transfer money between any Citizens State Bank accounts that you own.
Mobile Deposit is a service that allows customers to electronically transmit an image of their check using their mobile device for deposit to their Citizens State Bank checking account.
Customers must be signed up for Citizens Digital and have the Citizens Digital app.
You may use Mobile Deposit on any Android or Apple device that is equipped with a camera.
Yes, the maximum dollar amount on any check is $2,500.00. Checks imaged for more than that dollar amount will be rejected back to the customer.
Items that can be imaged and accepted through Mobile Deposit are: personal checks, government checks, business checks, money orders, cashier’s checks, or certified checks. All checks must be drawn on a U.S. financial institution and be in U.S. funds.
You can deposit up to 10 checks at a time.
Deposits may be made to your checking or money market accounts. At this time, we will not accept mobile deposits to a savings account, health savings account, or an IRA savings account. You must be a signer on the accounts, and they must be on your Citizens Digital app.
a. Checks or items payable to any person or entity other than the person or entity that owns the account that the check is being deposited into.
b. Checks payable jointly, unless deposited into an account in the name of all payees.
c. Checks or items containing obvious alteration to any of the fields on the front of the check or item, or which you know or suspect, or should know or suspect, is fraudulent or otherwise not authorized by the owner of the account on which the account on which the check or item is drawn.
d. Checks or items previously converted to a substitute check, as defined in Reg CC.
e. Checks or items drawn on a financial institution located outside of the United States.
f. Checks or items that are remotely created checks, as defined in Reg CC.
g. Check or items not payable in United States currency.
h. Check or items dated more than six (6) months prior to the date of deposit.
i. Checks with any endorsement on the back other than that specified in this agreement.
j. Checks or items prohibited by Citizens State Bank’s current policies and procedures relating to the service or which are otherwise not acceptable under the terms of your Citizens State Bank account.
After logging into the Citizens Digital app:
1. Endorse the check with your name and "For Mobile Deposit Only to Acct #_____"
2. Choose the checking account you wish to deposit to
3. Accept the Mobile Deposit Agreement (first time only)
4. Select the camera button
5. Enter the amount of the check you would like to deposit
6. Take a picture of the front of the check
7. Take a picture of the back of the check
8. Confirm the image quality and complete the deposit
Deposits will be processed by 3 pm CST each business day and will be made available after daily bank processing. Deposits received after 3 pm, on weekends, or holidays will be processed on the next business day. Customers can submit deposits to Citizens State Bank 24/7.
If Citizens Digital detects a duplicate item imaged within the bank, the duplicate transaction will not be processed. If duplicate item(s) are not detected and posted, the account will be debited for the duplicate deposit transaction.
The deposit could be rejected for any of the following reasons (this is not an all-inclusive list):
1. Front and/or back image is not legible, including but not limited to: MICR information (routing and account information on the bottom of the check), payee, and/or maker information
2. Written and numerical amounts do not match
3. The endorsement or authorized signature is missing or incomplete
4. Duplicate item
5. The payee is not on the deposit account (third party)
You should securely store each original check for at least 60 calendar days from the date the image transmission confirmation is received. Please note that you are solely responsible and liable for the security and storage of the original checks and for any loss or misappropriation of these checks. After the 60 days, you may dispose of the check in a manner which will ensure the check will not be presented again, such has shredding, marking the check as “Electronically Presented” or “VOID”, or you may continue to securely store to ensure that it is not presented again for payment.
All transactions are subject to Citizens State Bank’s Funds Availability Policy and will be reviewed accordingly. Please refer to the Services Agreement for Funds Availability for additional information.
As each check situation may vary, contact our Customer Care department for further instructions.
1. Make sure the check amount entered matches the amount written.
2. Verify that the back of your check is signed (endorsed) and labeled, "For Mobile Deposit Only to Acct #_______".
3. Flatten folded or crumpled checks before taking your photos.
4. Keep the check within the on-screen corners when capturing your photo.
5. Take the photos in a well-lit area on a dark background.
6. Keep the phone flat and steady above the check when taking your photo.
7. Avoid shadows of the check.
8. Make sure the entire check image is visible and in focus before submitting your mobile deposit.
As a general rule, payment should be scheduled 7-14 days prior to your bill's due date. Many creditors are able to be paid electronically. Electronic payments to creditors typically arrive in as little as 2 business days.