Ordering New/Replacement Debit Cards
Citizens Community Bank offers consumer and business debit cards for our customers. If you would like a new debit card or replacement card printed to begin making transactions immediately, we offer Instant Issuing at our Hahira and North Valdosta locations during lobby hours. If you are interested in having a new debit card mailed to you, please call a Customer Service Representative.
Our Fraud Center
Your debit card transactions are being monitored 24/7 with an innovative fraud monitoring solution that will help protect your accounts using state-of-the-art intelligence technology and skilled fraud experts. If we detect unusual or suspicious transaction activity on one of your accounts, our fraud specialist will attempt to contact you right away by phone, text, or email. If the fraudulent activity is confirmed by you, we will disable your card immediately. If you aren't available, we will assign your card with a special "watch" status until we are able to establish contact with you. Keep in mind that our Fraud Center uses the telephone numbers we have on file for you. If you have changed or added a telephone number to your household, please notify us immediately.
If you need to deactivate your debit card during after hours, holidays, or weekends, please contact the Fraud Center at (888) 297-3416.
Risky ATM Pins
Fraudsters are playing with numbers trying to steal cash from consumers. There are 10,000 possible combinations that the digits 0-9 can be arranged in to create a four-digit PIN, and many cardholders choose some of the most commonly guessed combinations for their PIN. As part of our customer security awareness program, we would like to pass along some simple steps you can take to avoid gambling with your PIN by creating numbers that are less likely to be guessed by data thieves.
- Don’t use the most popular password 1234;
- Don’t use patterns on a keypad (i.e. straight or diagonal) and avoid repeating numbers (i.e. 1212, 1313, 4444);
- Try using odd numbers over even.
Planning a Trip?
If you are planning to leave the great State of Georgia, please notify Operations at (229) 794-3883 with the dates you will be out-of-state. The Operations department will then place an alert on your debit card notifying our Fraud Center not to block your transactions during that time due to unusual out-of-state activity on your account.
Increasing Debit Card Limit
There is a daily maximum limit on the dollar amount of the purchases you can make with your debit card. Your card also has a maximum limit on the dollar amount of cash withdrawals you can make each day at an ATM. Your purchases and ATM withdrawals also are subject to the available balance in your account. Call your local branch to find out your card’s daily limits. To request to increase your card’s daily dollar limits, either temporarily or permanently, contact us and we will check on eligibility.
- Be especially vigilant at gas stations. Do not type your pin at the pump. Go inside.
- You can reduce risk at ATMs by using ATM machines at banks rather than convenience stores, airports, or any other isolated location.
- Check your bank accounts regularly. Always review your monthly statements.
- When possible, leave your debit card at home when traveling. Use your credit card even if you don't use it any other time.
- Never use a debit card any place your card is taken out of your sight, like a restaurant.
- When ordering merchandise/services over the Internet, use your credit card rather than your debit card. When you use a credit card to purchase goods or services, you have more options under the Fair Credit Billing Act regarding non-receipt of product/service or dissatisfaction. Debit card issuers are governed by the Electronic Funds Transfer Act, and it doesn't require a card issuer to step in if you make a deal with an unscrupulous merchant.
- Anytime you are entering card information onto the Internet, be sure you are doing so on a trusted site. Look for the noted security locks and symbols and view site certificates.