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Enhancements to protect your debit card

For some time now, Citizens State Bank and SHAZAM have been working together to protect your debit card from fraud. In the past, you may have received a phone call to verify one of your transactions. Currently, those phone calls are made after the transaction has already occurred, in hopes of halting further fraudulent transactions.


Currently, we are enhancing this service to begin monitoring debit card transactions as they occur and declining those with the greatest likelihood of fraud. We believe that this will provide a new and valuable layer of protection to your account.


In the future if your debit card is declined at a merchant location, one of the reasons may be that it was flagged as highly likely to be fraud, based on the way you typically use your card. If your transaction is declined for that reason, you will receive a phone call from a SHAZAM Fraud Specialist to verify the transaction. If it was a legitimate transaction, the details will be made part of your card profile so that these types of transactions have a greater chance of being approved in the future.


We can prevent legitimate transactions from being denied if you contact us when you are leaving for vacation or conducting a transaction that is out of your normal spending routine. 


Citizens State Bank values the trust you have placed with us, and we will continue to look for new ways to protect your debit card. If you have any questions or concerns, please call us anytime at 319-465-5921.

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