Card Services

Citizens Bank of Mukwonago offers a wide variety of cards tailored to your specific needs. Access to your account(s) is available seven days a week through Automated Teller Machines (ATM). Please click here to see where our ATMs are located. These ATMs allow free transactions to our customers.

Citizens Bank of Mukwonago offers over 800 customer surcharge free ATMs throughout Wisconsin and Minnesota with the ATM Access network... just ask one of our bankers for more information. Please note that a $1.00 transaction fee will apply at all non-Citizens Bank of Mukwonago terminals unless you’re a Smart Start customer or you are making a balance inquiry.

If your ATM or Debit card gets lost or stolen, please report it to us immediately. During business hours of 8:30am to 5pm – Monday to Friday, call the bank at: 262-363-6500 and ask for Accounting. After business hours and on weekends, please call this number: 800-264-5578.

Card Services

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Credit Cards

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Interested in applying for an Élan Credit Card or would you like to review your transactions on your current Élan Credit Card account? Visit the Élan Credit Card website for more information on their products or to access your existing Élan Credit Card account.

ATM Card

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An Automated Teller Machine (ATM) Card can be connected to a savings and/or checking account. The ATM Card gives you easy access to cash at ATMs worldwide.

If your ATM or Debit card gets lost or stolen, please report it to us immediately. During business hours of 8:30am to 5pm – Monday to Friday, call the bank at: 262-363-6500 and ask for Accounting. After business hours and on weekends, please call this number: 800-264-5578.

  • Transactions you can do with your ATM card at any PULSE network machine include:
    • Check your balance
    • Withdraw from your checking or savings accounts
    • Make deposits to your checking or savings accounts
    • Transfer funds between your checking and savings accounts
  • There are daily cash withdrawal and/or purchase limits in order to protect your account.
  • Pay no surcharge fees at ATM Access or Select ATM network terminals. Save even more! Click here for a list of ATMs where you'll pay no transaction fees when your ATM card is issued by Citizens Bank of Mukwonago.
  • An ATM fee may apply for all transactions done at locations not owned by Citizens Bank of Mukwonago.

See a Personal Banker to apply.

Visa® Debit Card

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Say goodbye to writing checks, the Visa® Debit Card has all the great features of a credit card without the finance charges. The transactions are deducted directly from your checking account. The Visa® Debit Card gives you easy access to cash or to make Point of Sale purchases.

If your ATM or Debit card gets lost or stolen, please report it to us immediately.
During business hours of 8:30am to 5pm – Monday to Friday, call the bank at: 262-363-6500 and ask for Accounting. After business hours and on weekends, please call this number: 800-264-5578.

  • Transactions allowed with a Visa® Debit Card include:
    • Make a purchase in person, on the computer, over the phone or by mail
    • Check your balance at ATMs worldwide
    • Make withdrawals or deposits to your checking or savings accounts at worldwide ATM locations
  • A daily cash withdrawal and/or purchase limit protects your account
  • Pay no surcharge fees at ATM Access, In Balance and Select ATM network terminals. Save even more! Click here for a list of ATMs where you'll pay no transaction fees when your ATM card is issued by Citizens Bank of Mukwonago.
  • An ATM fee may apply for all transactions done at locations not owned by Citizens Bank of Mukwonago.

See a Personal Banker to apply.

MasterCard Gift/Prepaid Card

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The MasterCard (MC) Gift Card is the ideal gift for anyone age 13 or older, for any occasion! Recipients can choose their perfect gift themselves – from clothes to music, movie tickets to dinner and more. Plus it's safer than cash. Additional features include:

  • An all-occasion gift - Use it for birthdays, holidays, weddings, graduations - whenever!
  • MasterCard Acceptance - Welcome everywhere MC debit cards are accepted world-wide.
  • Choice - Unlike store gift cards and gift certificates, you can use it almost anywhere (includes online and mail order purchases).
  • Available in any denomination - Loaded with the dollar amount you specify, from $10 to $750.
  • Security - A lost or stolen Gift Card can be replaced if the account number is available.*
  • Rewards or incentives - Businesses, non-profit organizations and other groups can use the MC Gift Card as a reward or incentive.

How it Works:

Gift-givers

Personal giving - Purchase a MC Gift Card at any Citizens Bank of Mukwonago location.

Recipients

Sign the back of the card and you're ready to use your MC Gift Card at millions of locations. For your current balance, just go to www.xpressgiftcard.com or call 1-800-554-2707 anytime.

* Some restrictions apply.

** Processing fee; $5.00 for card amounts of $10 – $750. The MC Gift Card cannot be reloaded with additional funds, nor can it be used at an ATM (Automated Teller Machine). Terms, conditions and fees are applied to Gift Cards. Click here for complete terms and conditions.

MasterCard Gift Card Q&A:

What can the prepaid cards be used for?

Your prepaid cards can be used anywhere a MasterCard debit card is accepted. However, the card cannot be used at ATMs, or like credit cards for purchases on credit.

Can I use my prepaid card at more than one merchant?

Absolutely. As long as there are funds remaining on your prepaid card, and the merchant accepts MC debit cards.

Can I use the prepaid card for online purchases?
Yes! You can use the prepaid card anywhere MasterCard debit cards are accepted - in stores and online. However, some online merchants may require Address Verification. This process requires that the billing address be “linked,” or assigned to the cards 16-digit account number. The cardholder must visit www.xpressgiftcard.com to register his or her card; this will assign an address to the card. Once the verification process is complete, any merchant requiring Address Verification will be able to link a billing address to the card’s 16-digit account number.

What happens if I spend all the funds on my prepaid card?

Your prepaid card will no longer be accepted as a valid form of payment. At this time, you can discard the card or keep it as a special reminder of the person who gave it to you. The card is not reloadable.

What happens if I lose my prepaid card?

If a card is lost, Customer Service will close the account and promptly issue a new card with the remaining balance of the lost card. There is a $5 Replacement Card Fee for this service. To report a card lost or stolen, please call Customer Service toll-free at 1-800-554-2707. To ensure that we can identify your account should the card be lost or stolen, please register your card at www.xpressgiftcard.com

Who do I contact with questions about my prepaid card?

For prepaid card information, call Customer Service toll-free at 1-800-554-2707 or visit the "Contact Us" section of this Web site.

How is my information protected?

Security is an important feature for us, as it is for you. To protect your private information on the Internet, we use strong data encryption processes to protect the security of every order you place using this site. To protect your account information and transactions, we electronically verify information when you access this site.

How do I use my prepaid card at restaurants?

You are encouraged to use your prepaid cards at restaurants that accept MC debit cards. For authorization purposes only, a 20% gratuity is automatically added to your food bill. In addition, some restaurants have pre-programmed their own card terminals to authorize a gratuity (usually 15-20% of the food bill). Both additions are for authorization purposes and you will only be charged for the gratuity you designate on the receipt.

Where shouldn't I use my card?

  • For a pay-at-the-pump transaction at gas stations. Some stations authorize the card for up to a $100 and may even hold the funds for up to 7 days. It is best to pay inside the station.
  • To obtain cash from an ATM machine, make POS purchases, or cash advances. Trying to use a gift card as a debit card will result in the card access being restricted.
  • For online gambling or any illegal transaction.

What if my purchase exceeds the value on my prepaid card?

To make a purchase that is more than the available balance on your card, you may use another payment method to share the expense of your purchase. This is called a split transaction. Simply use your prepaid card to pay for a portion of the purchase amount and a second payment method - check, cash, or credit card - for the remainder. Please note that split transactions are subject to individual merchant policies. When making your purchase, remember to tell the merchant the dollar value on your prepaid card. (You can easily verify this via the website, www.xpressgiftcard.com, or Customer Service 1-800-544-2707. The merchant will not be able to provide you this information. If you attempt to make a transaction for more than the balance on your prepaid card, the transaction will be declined.

*Anywhere MasterCard debit cards are accepted.

Business Debit Card

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Corporations, Partnerships or Nonprofit organizations can apply for a Visa® Business Debit Card. The Visa® Business Debit Card gives you easy access to cash or for Point of Sale purchases.

If your ATM or Debit card gets lost or stolen, please report it to us immediately. During business hours of 8:30am to 5pm – Monday to Friday, call the bank at: 262-363-6500 and ask for Accounting. After business hours and on weekends please call this number: 800-264-5578.

See a Personal Banker to apply.

Merchant Credit and Debit Card Processing

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Citizens Bank of Mukwonago offers a low-cost option for accepting and processing Visa® and Mastercard® credit and debit cards. In addition, we can offer a check conversion program and gift cards for customers or employees. The benefits include:

  • Settlement occurs by direct deposit to checking account.
  • Late daily settlement cut-off time.
  • Detailed monthly statement
  • Several different options available for authorization
  • Easy merchant approval process

Acceptance of American Express and Discover Cards is also available.