Frequently Asked Questions

General Questions

How much does this service cost?
Citizens State Bank Mobile Banking is a free service offered to our Online Banking customers. However, there may be charges associated with text messaging and data usage on your phone. Check with your wireless phone carrier for more information.

Is it secure?
Yes, Citizens State Bank Mobile Banking service utilizes best practices from online banking, such as HTTPS, 128-bit SSL encryption, PIN, or password access and application timeout when your phone is not in use. Only the phones that you personally enroll in the service can access your accounts. In addition, no account data is ever stored on your phone. In the event your phone is lost or stolen, the service can be immediately disabled by either going online to or calling Citizens State Bank at 936-398-2566 or 936-642-1444.

Which wireless carriers are supported?
We support all the popular US wireless phone carriers, including AT&T, Sprint, T-Mobile,
and Verizon. If your carrier is not listed when you enroll, select “Other” and try the Mobile
Web option, or check back later, as new carriers will be added over time.

Do I need a text message or data plan?
Yes, a text messaging and/or data plan is typically needed, as data usage can become expensive without them. Please check with your wireless carrier for more information.

I’m not enrolled for online banking. Can I still use this?
You must first enable your bank account(s) for online banking before using Citizens State Bank Mobile Banking.

What is Activation?
Activation is a one-time process that helps ensure your security. After you enroll a phone, you will receive an activation code, which will be required to begin using Text or Mobile Banking on your device. Your activation code is good for 24 hours. If you are unable to activate your phone during that time, just return to the enrollment page on your computer and follow the prompts to request a new activation code. We recommend you print your activation code and installation instructions for easy reference during installation.

Three Options to Choose:

How do I know what is right for me?
With three mobile banking options to choose from, Citizens State Bank Mobile Banking provides you with the flexibility to manage your finances in a way that fits your lifestyle and your personal preferences.    

  1. If you are a customer with Smartphone (iPhone or Android), you may want to download the Citizens State Bank Mobile Application (App) and integrate your mobile banking activities into your Smartphone.
  2. If you are a customer who prefers to utilize the browser integrated into your phone, or you have a Smartphone other than those listed above, Citizens State Bank offers you the ability to access your accounts through our secure mobile website.
  3. If you are a customer that prefers the convenience of text messaging, our Text Banking solution will allow you to access your accounts and transfer funds in just seconds.

You don’t have to choose. As a Citizens State Bank customer, you will have the option to use any combination of our Text Banking and Mobile Banking products.

Mobile Banking Questions

What is Citizens State Bank Mobile Banking?
Mobile banking gives you access to your accounts from your mobile web browser or a downloadable free mobile banking application, depending on your preference and your phone capabilities. Both options allow you to view account balances, search recent account activity, transfer funds, and find the nearest ATM or branch locations.

How do I sign up for Mobile Banking?
Log in to Online Banking from your computer. Go to User Services and choose the Mobile Enrollment option from the Manage Account box. Enroll your mobile phone and follow the activation instructions.

How do I access Mobile Banking on my phone’s browser?
After successful activation, your phone will receive a text message with your Mobile Banking URL. You can visit the site at any time.

I activated Mobile Banking on my phone’s browser. Why am I being asked to activate again?
At the time of activation, a “cookie” is stored on your phone’s browser, which allows the Mobile Banking system to remember that you activated. The cookie is only visible by the Mobile Banking system and does not contain personal information. Some phones may require you to enable cookies or periodically erase them, requiring reactivation. If you are experiencing this issue, check your phone settings to ensure that cookies are enabled. If cookies are enabled and the issue persists, please contact your mobile network carrier for cookie support information on your mobile phone. If you would like to reactivate, text R or RECOVER to 96865.

How do I optimize my mobile web experience?
We recommend three (3) steps for an optimal experience: 1) Ensure your phone’s browser has cookies enabled. 2) In addition, enable stylesheets on your browser. 3) Bookmark our Mobile Banking site.

Is Mobile Banking supported on my phone?
Citizens State Bank Mobile Banking is supported on most phones with a mobile web browser that supports cookies. In addition, the mobile application is available on many smartphones including iPhone, Android, and Blackberry. Both mobile web and mobile applications can be found by entering the mobile web URL.

Is Mobile Banking supported on my tablet?
A tablet-optimized Mobile Banking application is available for the iPad.

How do I install the downloadable application?
Depending on how you have connected to the Citizens State Bank website and the type of phone you have, there are different ways to download the Citizens State Bank Mobile Application.

Text Banking Questions

What is Citizens State Bank Text Banking?
Text Banking gives you access to your accounts via text (SMS) messages on your phone. It’s a fast, easy way to look up account balances or recent account history by sending a text command to a shortcode.

What is the Citizens State Bank shortcode?
The Citizens State Bank shortcode will be provided to you once you enroll in Text Banking. For ease of use, we recommend that you add this number to your phone’s address book or contacts and name it something that you will easily recognize, such as Citizens State Bank-Corrigan Text Banking. All text messages should be sent to 96865.

Can I use both Text Banking and Mobile Banking on my phone?
Yes, you can use both options from the same phone. To do so you will need to activate each option on your phone prior to use. We recommend that you activate both Text Banking and Mobile Banking when you enroll, even if you aren’t sure that you will want to use both. By activating both at the time of your enrollment, you will eliminate the need to make changes later.

Is Text Banking supported on my phone?
Text Banking will work on any text message (SMS) capable phone from one of our supported carriers.

Will I receive unsolicited text messages?
No. You will only receive messages when you specifically request them with one of the Text Banking commands.

What are the Text Banking commands?

BalanceBSummary of available balances for all accounts
HistoryHSummary of recent transactions per account
CommandCList of available Text Banking Commands
HelpHEHelp content for Text Banking
LoginLReceive a URL for CSB Mobile Browser Website
StopSDe-active all Citizens State Bank text services

I enrolled my phone number but did not receive a text message. What should I do?
Typically you should receive a text message within a few minutes after enrolling, however sometimes mobile carriers experience delays which slow down text message delivery. While waiting, make sure your phone has wireless signal. In addition, be sure you entered the correct phone number on the enrollment site. If you still do not receive it, contact your wireless carrier to be sure text messaging is enable on your phone.

I received an activation code but never used it. What do I do now?
Activation codes expire after 24 hours. If you need a new one, return to the Mobile Banking enrollment site (Online Banking) and request a new activation code.

What happens if I get a new phone or change phone numbers?
If you get a new phone or change phone numbers, be sure to return to Online Banking ( via your PC and update your phone profile in the Mobile Banking Center. We recommend removing your old phone and re-enrolling your new phone.

Can I use Mobile Banking or Text Banking on more than one phone?
Yes. Visit the Online Mobile Banking Center and simply enroll (and then activate) another phone number.

I activated Mobile Banking on my phone’s browser. Why am I being asked to activate again?
At the time of activation on your phone’s browser, a cookie is generated which always tells the Mobile Banking system that you activated (thus allowing you to proceed to the sign on screen). However, some mobile phones will periodically erase all cookies, requiring you to re-activate.

What if my device is lost or stolen?
If your phone is lost or stolen, contact your mobile service provider immediately to stop all wireless service. In addition, return to the Mobile Banking website and remove your phone.

Do I need to re-enroll into mobile banking after I purchase a new phone?
Yes. You must re-roll into mobile banking after you purchase a new phone. Sign in to Online Banking on your computer and under User Services choose the Mobile Enrollment option. Enroll your mobile phone and follow the activation instructions.