Resource Center

You can make deposits to Checking, Money Market, and Savings accounts.

The Mobile App will allow you to deposit one check at a time. You can make multiple deposits in a day.

There are certain types of checks that are not allowed to be deposited using the Mobile App. Those check types can be found in our Mobile Deposit Agreement & Disclosure Statement. A check that has been presented for deposit before may not be deposited using the Mobile App. Attempting to deposit a check more than once or otherwise misusing the Deposit feature will result in revoked enrollment in the feature.

On the back of the check, sign your name as you normally would. The following line must be written under your signature: “For Mobile Deposit Only to Citizens Bank.”

If an approved deposit is made before 4:00 pm CT on a business day, the funds will be available the next business day. If the deposit is made after 4:00 pm CT, the approved deposit will be available on the second business day.

If your deposit is not accepted due to an error or an incomplete endorsement, you will receive an email notice from the bank informing you why your deposit was not accepted. You will have to bring the check into the bank to be deposited, as the same check cannot be re-deposited through the Mobile App.

You will be able to see your deposit when we complete our daily processing at approximately 10:00 pm CT.

Contact our Digital Banking Department as soon as possible. If the deposit has not gone through the approval process, we have the ability to cancel it. If it has gone through the approval process, we are not able to cancel it, and it will post to your account following daily processing.

Customers with existing deposit accounts can self-enroll from the Online Banking login area. You also have the option to visit any branch location and enroll with the help of a Personal Banker.

Your internet browser must have 128-bit encryption and have the cookies enabled. If you are missing either of these items, you will not be able to access Online Banking. We support the current and prior major releases of Google Chrome and Mozilla Firefox as well as the the current releases of Microsoft Edge and Apple Safari. Please note that utilizing older browsers may result in disabled functionality or limited access to services. 

Yes! Online Banking uses SSL (Secure Socket Layer) technology along with 128 bit encryption. There is 24/7 monitoring of the servers that run digital banking functions. Online Banking is subject to a yearly external audit as well as regular FDIC audits. You can view more details on the Digital Banking Security page.

Immediate access may be regained by calling any location and asking a Personal Banker to assist you. If you have previously set up the password reset feature (located in the Options area inside Online Banking), you can click "Forgot Your Password?" on the password entry screen and follow the prompts to reset your own password.

You only get three attempts to log into your account. If you are unsuccessful on all three attempts, you will receive an email indicating you have been locked out. You can get unlocked by calling a branch and asking to speak to a Personal Banker. Your password will be reset to a temporary password. You will then be prompted to change your password to a new one upon your next login. If you have previously set up the password reset feature (located in the Options area inside Online Banking), you can click "Forgot Your Password?" on the password entry screen and follow the prompts to reset your own password.

If you get an error message, please make a note of the message, the error number, and the time. Then call our Digital Banking Department at 262-363-6500. We will make every effort to resolve the issue as soon as possible.

A transfer will show up immediately in your account if you set up the transfer to occur immediately. If you selected a future date for the transfer, it will show up in your account on that day.

The transfer cut-off time for current day's business is 7:00 pm CT, Monday through Friday. Any transfers made after this time will be considered "Next Day's Business."

Yes. External transfers can be set up as one-time or recurring, and can be used to move money between personal checking, savings, or money market accounts. External transfers cannot be used to make loan payments. To create an external transfer, select Transfers, then + External account and follow the steps. Please note that transfers made using this service have a cutoff time of 1:00 pm CT and may take up to two business days to complete. Businesses can ask about our Cash Management services, as external transfers through Digital Banking are not available for businesses.

Contact a Personal Banker at any branch or visit any one of our locations. You must be an authorized signer on an account to access it online.

Digital Banking IDs are registered to a single individual or business, even if the accounts accessible under the ID are joint accounts. If another individual wants digital access, they will need a separate ID and password.

You have the ability to view account activity for the last 12 months. Your statements are saved for 18 months starting from the month you enrolled to receive paperless statements.

Once you log in to Digital Banking, select Payments, then select + New payee. To pay an individual, select Add a person. To pay a company, select Add a bill. Enter the required information, then select Submit.

You can pay anyone in the United States, from your next-door neighbor, to the utility company, to a child in college across the country. The only restriction is you cannot pay any government agencies.

You can set up payments to be recurring on a weekly, bi-weekly, semi-monthly, or monthly basis. On the other hand, you can initiate one-time payments, or you can save payee information and manually initiate payments at any time.

Payments are processed as a check or electronically. The method of processing is determined by the payee. Once you have set up a payee, it will be labeled as either electronic or check under the payee name.

Payments are processed at 7:00 am and 2:00 pm CT every business day. You may edit or delete any scheduled payments prior to the processing times. You may enter a new payment at any time.

Your checking account must have available funds to cover any and all scheduled payments.

We recommend setting up single payments no longer than 90 days prior to the payment date. Recurring payments can be set to expire after a specific date, after a certain number of payments, or the payment can be set to never expire.

You may place a stop payment on any check payment that you have issued that has not cleared the account. Please refer to our current fee schedule for fees associated with stop payments. You may not stop an electronic payment once it has been processed. You will need to talk to the payee about getting your funds returned.

Electronic payees cannot be edited. You will have to set them up as a new payee with the correct address and delete the old payee record. Check payees will allow you to change the address.

Yes, you may set up multiple payments to the same payee.

Once signed into Digital Banking, select an account, then select Documents. Go to the Sign Up/Changes area, check any accounts you wish to enroll, select Save Settings, then review and accept the agreement.

Any of the electronic statements and notices will be stored in Digital Banking for 18 months from the date the document was enrolled for each account. Disabling the enrollment will remove the archived documents.

You can always choose the Enroll All option to enroll every document for all of your accounts. Any accounts added after the initial enrollment will need to be enrolled separately within the Sign Up/Changes option in the Documents area of Digital Banking. Within the Sign Up/Changes option, you can also click on an account to select document types to enroll individually.

Once signed into Digital Banking, select the account you wish to receive alerts on, then go to Alert preferences. Here you can select to receive email or text alerts based on the balance or transaction thresholds you set.

Alerts can be set to notify you of high or low balances or transactions over a certain dollar amount. Through the Card management option, you can sign up to receive debit card transaction alerts based on location, merchant type, or transaction type.

Alerts based on events will be sent shortly after the event occurs. High or low balance alerts will only trigger once per business day. Alerts may not reflect checks not posted to your account or other pending transactions. Citizens Bank does not warrant the accuracy or timing of the alerts.

Yes, we encourage debit card users to enroll for alerts in the Card management section of Digital Banking.

Please contact a Personal Banker at any of our locations to receive our Fee Schedule | Personal Accounts or Fee Schedule | Business Accounts for the current fees relating to your accounts.

Our deposit rates are posted on this website and are available at any of our branch locations.

Generally speaking, funds from your deposit will be available as follows:

 

If we choose to place a longer hold, we will notify you in writing.

When you are the Originator of an outgoing wire transfer, you need to provide the following information:

 

When you are the Beneficiary of an incoming wire transfer, you need to provide the following information to the originating bank:

 

Please notify us as soon as possible if you would like to dispute a transaction. You can notify us in person, at a branch, or by calling 262-363-6500. When logged in to Digital Banking, you can send us a note securely through the Messages feature.

You can visit any branch to place a reorder, or you can place an order for personal or business accounts quickly and easily online through our relationship with Deluxe.