Under No Circumstances:

Citizens State Bank will NOT request identifying information from you via unsolicited phone call, email or SMS Text message. This includes your Social Security Number, account numbers, credit card/debit numbers, PINs and passwords unless you initiate the call. We only ask if you call in and we need to verify information for security purposes that this is you.


Current Fraud updates: 


Clever Gmail Phishing You Need To Know About 

"There is a new scam where hackers send you a text that asks you about a password reset on your gmail account, and if you did not, text STOP. THIS IS A SCAM. The bad guys asked for that password reset and now want you to send them the authorization code! Don't fall for it.

Remember that Gmail or any other web email service will never ask if you "don't" want to do something with your account. You didn't ask for a password reset, so you shouldn't be asked about one.

DO NOT REPLY to the text (doing so will tell the scammers that they have reached a valid number). And to prevent losing your account to bad guys, it's a very good idea to have 2-step verification setup on your Google account." (Cyberheist News Vol 8 #15 / April 10, 2018)

6-13-2017 The Federal Trade Commission recommends steps to protect against mobile phone theft

Identity Theft Recovery

United States Computer Emergency Readiness Team (US-CERT)  Identity Theft security tip




Is the criminal attempt to steal your personal information through fraudulent emails or smart-phone texts. They are often very believable, luring the victim to a site that asks them toprovide (or "verify") personal financial details such as account numbers and social security numbers. A variation is called Spear Phishing, which are elctronic messages that appear to come especially to victime from their employer, usually a large corporation.


Protect Yourself - Your financial institution will not send emails asking for your personal information - they already have it.


Smart Phone Texting

Cyber-security experts often call the text and mobile phone version of phishing Smishing, playing off the SMS, or Short Message Service, teminology used in text messaging. Smart phone users are being increasingly targeted because these users almost always have their phone handy and tend to respond to tects and email quickly. They may not realize the massage is fake until too late. In addition, fake Web sites can be harder to spot on a small screen.

Protect Yourself - Be careful responding to "urgent" text messages, especiallyon from your financial and ask before responding. In all cases with text scams, use the same precautions as you would for a potential phishing scam. 



Fake Check Scams

They use technology to create realistic cashiers checks. These checks are used by scammers to pay for online purchases or most notoriously, some form of foreign lottery that you are told you won. The scam always involves your accepting the faked cashiers check, which is for more than the purchase price, then your sending the difference in a separate check to the scammer. You keep the worthless fake check...and the scammer keeps your real check (with your real money).

Protect Yourself - If you are selling something, insist the buyer pay by traditional means. Remember that if you didn't enter a lottery, you would not win it. And of course, never accept a check for more than the amount due.


Debit & Credit Card Skimming

They attempt to hijack your personal information and your identity by tampering with ATM machines. Fraudsters set up a device that is capable of capturing the debit card magnetic stripe and keypad information from the ATM, then sell this information to criminals who use it to create new cards

Protect Yourself - First by reducing your risk at ATMs - use machines from institutions you know and trust. Additionally, if you notice a change at an ATM you use routinely, such as a color difference in the card reader or a gap where something appears to be glued onto the slot where you insert your card, that's a warning sign to find another machine.


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