Citizens State Bank & Trust Credit Card

We have partnered with a new credit card provider to offer our bank branded cards.

Personal Credit Card Business Credit Card

Click here for a link to download an application for Classic, Platinum, or Business cards.


We are offering a new Debit or ATM card fraud alert warning via text message to your phone or other device. smsGuardian will text you if your card is used in any of these situations:

  1. International transactions
  2. Authorizations greater than $200
  3. 5 or more transactions in 24 hours
  4. Declined authorizations
If a text is about a valid transaction, you need to do nothing. If is NOT a valid transaction, you can reply with a code, and your card will be blocked. You can also reply with the word HELP for assistance. You can cancel this service at any time by texting smsGuardian. A $2.00 monthly maintenance charge will apply for this text message service. Message and data rates may apply. You will be asked to accept the terms and conditions from smsGuardian to receive this services. To apply, click the link below.


Online Banking Login

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