Citizens Financial Bank is committed to maintaining the privacy and security of our client’s personal and account related information.

You will never receive a phone call or an e-mail from a Citizens' employee requesting account related or password information.

Need more information? Use the links below:

• Children's Internet Safety
• Computers and the Internet - Privacy & Security
• Debit Card Fraud
• Identity Theft - Helpful Hints
• Loan Fraud - Don't be a Victim
• Lost or stolen Citizens Card
• Lost or stolen Checkbook or Passbook
• Suspicious Check
• GenGold®  

Debit Card Fraud 

Do not write your Personal Identification Number (PIN) on your card or keep the PIN in your wallet, purse, car, etc. If your purse or wallet is stolen, the thief can easily locate the PIN and withdraw funds from your account. Never share your PIN with anyone. You can change your PIN at an ATM. Select an easy to remember PIN that means something to you and not others. PINs such as 1111, 1234, last 4-digits of your social security number, date of birth, etc. are not secure PINs. If your card is lost or stolen, please contact us immediately at 1-888-226-5237.

Suspicious Check

For information on fake check scams:

• Visit http://www.fakechecks.org
• Write to:
  • National Consumers League
  • 1701 K Street NW, Suite 1200
  • Washington, DC 20006
• Call 202-835-3323

Check Card, ATM Card, Business Check Card, HSA Card or Equity Access Card

Report your lost or stolen Citizens' card immediately

• 888-226-5237 – Citizens Client Services (during business hours)
  • Mon-Thu, 8:00am - 5:30pm
  • Fri, 8:00am - 6:00pm
  • Sat, 8:30am - 1:00pm
• 800-523-4175 – after business hours

Report fraudulent Citizens' card activity

• 888-226-5237 – Citizens Financial Bank Client Services

If you believe your card or personal identification number has been compromised, please contact us immediately.

Lost or Stolen Checkbook or Passbook

Report your lost or stolen checkbook / passbook immediately

• 888-226-5237 – Citizens Financial Bank Client Services

Identity Theft – Helpful Tips

One of the fastest growing crimes in the United States is identity theft.  How can someone steal your identity? Identity theft occurs when someone uses your personal information such as your name, Social Security number, credit card number or other identifying information, without your permission to commit fraud or other crimes.

We recommend that you:

• Keep personal information in a safe place.
• Carefully review all account statements and immediately report any discrepancies.
• Dispose of confidential information in a secure manner such as shredding.
• Never reveal any User ID's, Passwords, or Personal Idenditifaction Numbers to anyone.
• Change passwords periodically.  Your password should be a random mixture of 7-12 alpha and numberic characters.  For added protection, we suggest that your password also contain characters, for example: ! @ #$%&*.
• Visit the Federal Trade Commission website - Your National Resource for Identity Theft†.
• Contact the fraud departments of any one of the three major credit bureaus to place a fraud alert on your credit file. The fraud alert requests creditors to contact you before opening any new accounts or making any changes to your existing accounts. As soon as the credit bureau confirms your fraud alert, the other two credit bureaus will be automatically notified to place fraud alerts. Once the alert is placed, you may order a free copy of your credit report from all three major credit bureaus.
  • Equifax - Fraud Alerts, call: 800-525-6285 and write: P.O. Box 740241 , Atlanta , GA 30374-0241.
  • Experian - Fraud Alerts, call: 888-EXPERIAN (397-3742) and write: P.O. Box 9530 , Allen TX 75013.
  • Trans Union - Fraud Alerts, call: 800-680-7289 and write: Fraud Victim Assistance Division, P.O. Box 6790 , Fullerton , CA 92634.
• To order your free annual report from one or all the national consumer reporting companies, visit www.annualcreditreport.com or call toll-free 877-322-8228.
• If applicable, notify the major check verification companies to ask retailers who use their service not to accept checks written on the compromised checking account.
  • TeleCheck - 800-710-9898
  • Certegy Inc. - 800-437-5120

More Information on Fighting Identity Theft