ONLINE BANKING

 

Credit Cards

Earn bonus rewards on every purchase, or pay off your other credit cards and save on interest. Whatever your needs, we have a credit card that’s right for you!

All your card needs in one convenient place

Credit Cards

What do you want most from your credit card? Now you have a choice. Whatever your needs, we have a credit card that's right for you ! All of our credit card products come with a variety of important features including EMV smart chip technology. 

Learn More or Apply Now

 

ENJOY A LONGER INTRO RATE

Visa® Platinum Card

  • Extended introductory offer
  • Save on interest and pay down your other credit card balances faster

 

EARN VALUABLE REWARDS

Visa Bonus Rewards Card

  • Earn 1 point for every net $1 you spend, plus get a 25% BONUS (that's equivalent to 1.25 points) on all points earned every month, automatically1
  • $25 cash back after your first purchase

Visa Bonus Rewards PLUS Card

  • Earn 1 point for every net $1 you spend, plus get a 50% BONUS (that's equivalent to 1.5 points) on all points earned every month, automatically2
  • $50 cash back after your first purchase
  • Low annual fee

Cash Rewards American Express® Card

  • Earn up to 3% cash back on gas
  • Also earn up to 2% cash back at supermarkets and 1% on all other purchases
  • $25 cash back after your first purchase

Travel Rewards American Express Card

  • 3X reward earnings on airline purchases, 2X reward earnings on restaurant and hotel purchases
  • $75 cash back after your first purchase
  • Low annual fee

 

BUILD CREDIT3

Visa College Rewards

  • For college students
  • Great rates and manageable credit lines
  • Earn 1 reward point for every net $1 you spend on purchases

Visa Secured Card

  • Excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card
  • Flexible credit lines based on a security deposit ranging from $300 to $5,000
  • Low annual fee

1 The 25% more in bonus rewards consists of 1 Reward Point for each dollar of Net Purchases (purchases minus credits and returns) plus an additional 25% (0.25) in points awarded based upon the total points earned on Net Purchases within a billing cycle (total 1.25 points)

2 The 50% more in bonus rewards consists of 1 Reward Point for each dollar of Net Purchases (purchases minus credits and returns) plus an additional 50% (0.50) in points awarded based upon the total points earned on Net Purchases within a billing cycle (total 1.5 points)

3 Late payments and going over the credit limit may damage your credit history

The creditor and issuer of these Cards is Élan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.

 

VISA® Debit Cards

A Visa® Debit Card gives you the flexibility you need for cash withdrawals, deposits, transfers and everyday purchases. Transactions are automatically deducted from your checking account. Use it everywhere that Visa credit cards are accepted or at any ATM. Transactions you can do with a Visa Debit Card include:

  • Purchases in person, on the computer, over the phone or by mail
  • Cash withdrawals, deposits and balance inquiries at worldwide ATM locations

Transactions conducted at Citizens Bank ATM locations are always free.

Citizens Bank also 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 $2.00 transaction fee will apply at all non-Citizens Bank 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 immediately by calling 866-546-8273.

To have your card unblocked if it was previously blocked for potential fraud:

  • 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 800-411-8498 (for domestic) or 1-206-352-3516 (collect for international).

You can activate your card or change the PIN by calling 844-228-9520.

See a Personal Banker to apply.

 

ATM Cards

An ATM card can be connected to your savings account to give you easy access to cash at ATMs worldwide. Transactions you can do with your ATM card include:

  • Balance inquiries
  • Cash withdrawals
  • Deposits
  • Transfers between your checking and savings account

Transactions conducted at Citizens Bank ATM locations are always free.

You can also use over 800 ATMs throughout Wisconsin and Minnesota surcharge free with the ATM Access network. A $2.00 transaction fee will apply at all non-Citizens Bank 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 immediately by calling 866-546-8273.

To have your card unblocked if it was previously blocked by for potential fraud:

  • 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 800-411-8498 (for domestic) or 1-206-352-3516 (collect for international).

You can change the PIN by calling 844-228-9520.

See a Personal Banker to apply.

 

Mastercard® Prepaid/Gift Cards

The MasterCard® 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. You can purchase a MC Gift Card at any Citizens Bank location.

The card is welcome everywhere MasterCard is accepted world-wide and available in any denomination between $10 and $750.

A lost or stolen Gift Card can be replaced if the account number is available. (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. Terms, conditions and fees are applied to Gift Cards. Review the complete terms and conditions.