What is an Account Takeover?
A fast growing electronic crime where thieves typically use some form of malware to obtain login credentials to Online Banking accounts and fraudulently transfer funds from the account(s).

Malware: Short for malicious software, is software designed to infiltrate a computer system without the owner's informed consent. Malware includes computer viruses, worms, trojan horses, spyware, dishonest adware, crimeware, most rootkits, and other malicious and unwanted software.

Domestic and International Wire Transfers, Business-to-Business ACH payments, Online Bill Pay and electronic payroll payments have all been used to commit these crimes.

How Does it Work?
Criminals target victims by scams. The victim unknowingly installs software by clicking on a link or visiting an infected Internet site. Fraudsters began monitoring the accounts. The victim logs on to their Online Banking and the Fraudsters collect the login credentials. Fraudsters wait for the right time and then depending on your controls – they login after hours or if you are utilizing a token they wait until you enter your code and then they hijack the session and send you a message that Online Banking is temporarily unavailable.

Where does it come from?
Malicious websites (including Social Networking sites), Email, P2P Downloads (e.g. LimeWire), ads from popular web sites. Some experts feel Email is the biggest security threat of all. It is the fastest, most-effective method of spreading malicious code to the largest number of users.

What Can You Do to Protect Yourself?
  1. Never click on links or open attachments in emails if you do not trust the source
  2. Never download files from unknown sources
  3. Never share private, personal information on unsecure websites

Important Information for AOL Users

Currently we certify/recommend the browsers included with AOL 8.0 and AOL 9.0 to access Internet Banking. Browsers included with older versions of AOL may still work, but are no longer supported by Internet Banking. Browsers included with AOL for Mac OS X and AOL 5.0 for Macintosh PPC are not certified, but should work with Internet Banking.

Electronic Fund Transfers Your Rights and Responsibilities

Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference. Internet Banking Computer Transfers - types of transfers - You may access your account(s) by computer through the internet by logging onto our website at www.csbjc.com and using your user identification and password, to:

Because Your Trust Is So Important

Your trust is the cornerstone of our relationship.  That is why we work so diligently to safeguard your privacy.  The information that your provide us is kept in the strictest of confidence.  We have no intentions of selling personal information about our customers to third-party businesses.  We are proud to make that commitment to you, because your trust is the foundation of our business.

The following privacy policy explains how we use and protect the information about our customers.  We ask that you read it carefully.

Citizens State Bank Online Bill Pay Agreement

If you would like to have a paper copy of this Agreement sent to you, please e-mail us with your name and address to This email address is being protected from spambots. You need JavaScript enabled to view it.

This Citizens State Bank Online Bill Pay Agreement (this “Agreement") states the terms and conditions for the Citizens State Bank Online Bill Pay service ("Bill Pay service") offered by Citizens State Bank (the "Bank"). When you use, or permit any other person(s) to use, the Bill pay service, you agree to be bound by the terms and conditions of this Agreement. These terms and conditions are in addition to those that apply to any accounts you have with the Bank. This Agreement is an addendum to the existing Deposit Account Agreement that you received when you opened your checking account, as amended from time to time. In the event of a conflict between this Agreement and your Deposit Account Agreement, the terms of your Deposit Account Agreement will control.