What is the basic FDIC Insurance amount?
FDIC Deposit Insurance has permanently increased from $100,000 to $250,000 per depositor. The FDIC insures deposit accounts such as checking, NOW and savings accounts, money market deposit accounts, and certificates of deposit (CDs). The basic insurance amount is $250,000 per depositor per insured bank. If you and your family have $250,000 or less in all of your deposit accounts at the same insured bank, you do not need to worry about your insurance coverage. Your funds are fully insured.
What if my family has deposits totaling more than $250,000 at one insured bank?
If you or your family has deposits at one insured bank totaling more than $250,000, you should know that different ownership categories of accounts are separately insured.
You may qualify for more than $250,000 in coverage at one insured bank if you own deposit accounts in different ownership categories. The most common ownership categories are: Single Accounts, Self-Directed Retirement Accounts, Joint Accounts and Revocable-Trust Accounts (Payable-on-death (POD) Accounts).
Where can I get more information about FDIC Insurance?
Ask any Personal Banker for a copy of “Your Insured Deposits: FDIC’s Guide to Deposit Insurance Coverage,” or go to the FDIC website at www.fdic.gov/deposit/
How can I access cash with my photo debit card?
Many merchants (including grocery stores and national discount stores) now offer a “cash back” option when you swipe your card through their authorized terminal. You simply select the “debit” function and then enter your PIN. This option eliminates the need to locate an ATM and provides cash without additional fees. Cash withdrawals can be done at ATMs all over the world (fees may apply). Look for the Shazam or Cirrus logo.
How do I find an ATM outside of Hutchinson or worldwide?
Visit www.shazam.net and look for the ATM Locator, enter your City and State and it will give you all ATM locations in that city. For international locations, enter the Airport or City and Country you will be traveling to.
Does Citizens Bank monitor my debit card transactions for suspicious or fraudulent activity?
Citizens Bank has partnered with Shazam (our ATM/Debit Card provider) to monitor your debit card for suspicious activity.
What happens if suspicious activity is detected on my debit card?
If suspicious activity is detected, you will be contacted by Citizens Bank or a Shazam fraud specialist to verify the transaction in question. That’s why it is important for the bank to have your current telephone number information. Please remember we will NOT ask for your debit card number or PIN to verify your identity.
What if suspicious activity is detected on my debit card and Citizens Bank or Shazam Fraud is unable to contact me to verify the transaction activity?
The transaction may be declined and a temporary card block may be put in place. If we have your valid telephone number, a message will be left to call Shazam Fraud Operations at (866) 508-2693.
Should I contact the bank when I’m traveling outside the US?
Yes, please contact the bank with your travel dates and locations prior to leaving. This way, we can put an alert on your account.
Is there anything I need to do if I’m traveling in the US?
It’s a good idea to verify that we have your most current cell and telephone numbers. If you provide us with your travel dates and locations, we can put an alert on your account. If you are traveling in the US and are unable to use your debit card, call Shazam Fraud at (866)508-2693 to verify transaction activity.
Is online banking safe & secure?
YES! Citizens Bank & Trust Co. uses state-of-the-art firewalls and security to protect your accounts and identity. We protect your information by:
- Using Secured Socket Layer (SSL) data encryption.
- Requiring you to use a browser with 128-bit encryption. We have also implemented the Multi-Factor Authentication which requires you to answer security questions if you are not at a registered computer.
- Never displaying your social security number or account numbers over the Internet. Instead, we allow you to customize your account names to properly differentiate accounts.
- Automatically disconnecting your Online Banking session after 10 minutes of inactivity.
How much does Online Banking cost?
Online Banking is a free service to customers.
What should I do if I forget my PIN?
If you forget your PIN, we now have a Forgot Password option right on the login page. You enter your user code and your password will be emailed to you shortly. If you are locked out, please call(320)587-2233 and ask to speak with an Online Banking representative.
What should I do if I am locked out of my accounts?
If you are locked out of your accounts, simply call Citizens Bank & Trust Co. at (320) 587-2233 and ask to speak with an Online Banking representative.
Is there any software to download?
There is no software to download. You access CB Online through our website.
How late in the day can I make a transfer between CB&T accounts?
While you can create transfer requests 24-hours a day, only express transfers made before 6:00 PM on business days will post that same day. All transfers made after 6:00 PM Monday-Friday, on weekends or on holidays will post the next business day. Express transfers will show in your balance immediately and post the same day. Scheduled transfers can take up to 2 days to complete.
Can I transfer funds between CB&T accounts?
Yes, you can transfer funds between any of your CB&T accounts that you have linked to CB Online.
Can I make a loan payment with Online Banking?
Yes, you can make your loan payments at no charge. You can even set up your loan payment to take place automatically.
Can I download to Microsoft Money or similar program?
Yes, you can download to Microsoft Money, Quicken and Spreadsheets.
Can I access my accounts from anywhere?
Yes, you can access your accounts from any PC with Internet access and 128-bit encryption.
What is encryption?
Encryption scrambles data with a secret code so that no one can make sense of it while it’s being transmitted. When the data reaches its destination, the same software unscrambles the information. When you see a small lock icon at the bottom of your browser, it indicates that your data has been encrypted for transmission.
Why do I need 128-bit encryption?
Because we are dedicated to a safe and secure Online banking experience, we require that you use the highest security standard available. Many PCs are currently running browsers with 40-bit encryption and must be updated at no charge. Simply click on the TEST BROWSER button next to the CB Online login to check and update your browser if needed.