Frequestly Asked Questions

Business Banking

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.

Online Banking

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.