image of blue texture fading into coffee cup with the logo and computer

Business Digital Banking



Internal Transfers/Payments  | SPIN P2P | Bill Pay | External Transfers

These features built into the Move Money section of Digital Banking where you can transfer between your accounts, pay bills, and send money to friends and family.

Internal Transfers & Payments

  • Transfer money between your Citizens Bank of WV accounts
  • Set up one-time or recurring payments for your Citizens Bank of WV accounts


SPIN P2P– Person-to-Person Payments

SPIN P2P (Person-to-Person) payments allows you to send money to your friends and family almost instantly.

  • It is FREE to use within your Digital Banking account
  • Funds are sent almost instantly
  • Funds are available in the destination account even after normal banking hours
  • Funds can be sent to almost anyone in the US with a MasterCard or Visa debit card
  • Secure transactions using the same technology as your Digital Banking account
  • Transfers are made using your debit card
  • All account numbers are kept secure and neither person sees each other’s accounts

Request It Today

Once activated, you can find SPIN P2P in “Move Money” by clicking any of your existing Payees or using the + to create a new payee.


Bill Pay

Pay your bills any time of day from any place you have internet access with Bill Pay through digital banking.  Save postage, time, and trees!

  • Pay all your bills in one place with only one password
  • Pay anyone you would normally pay by check—any company or individual in the U.S.
  • Schedule future and repeating payments and avoid late fees (provided you have sufficient funds available in the account from which you are paying)
  • Keep a payment history
  • Get email reminders when a payment is due, or to confirm that it has been sent
  • Create bill payment reports
  • Make a one-time Expedited or Overnight Check payment to a participating payee


    1. Log in to Digital Banking and select “Move Money“.
    2. Select the Payee and if elibigle for eBills you will see “enroll” under the payee’s name.
    3. Enter your login credentials for the payee’s website. If applicable, users will also be prompted for additional information.
    4. Review the terms and conditions, then select “Accept and Submit“.


External Transfers

  • Transfer money to and from accounts at other institutions using External Transfers
  • Have just a loan with us?  You can pay it by linking an external account for payment as a transfer in to the loan.


Easily manage your debit card while protecting yourself from fraud.

Log in to Digital Banking and go to the “Manage Cards” tab to:

  • Turn your debit card on or off
  • Activate new debit cards
  • Change your PIN
  • Set travel notifications. Enter your traveling dates, destinations, and major stops while on the road
  • Request an immediate, but temporary increase in purchase limit


Our Personal Finance Manager tool, STASH,  provides a consolidated view of your account balances and spending habits.  You can sync accounts with nearly 15,000 financial institutions or your 401k provider for a complete view of your complete financial picture.

  • Tag transactions to understand spending habits.
  • Make informed choices with the cash flow calendar
  • Visually track your progress, reach financial goals quicker and easier
  • Stay informed with account alerts
  • Monitor total assets and debt for up-to-date net worth

Add An Account

Syncing other accounts in STASH for a complete financial picture is simple. Then you can track your account relationships with almost all financial institutions automatically, including credit card providers and investment firms. Once all of your accounts are synced, track spending, set budgets, calculate your net worth and more.

  1.  Select “Add” above your current account listing.
  2. Select an institution or use the search to find your institution.
  3. Enter in the required information and select “Connect”.

You’ll receive a notification on your STASH dashboard once the account has been synced successfully.



Visually tracking your financial goals can help you take control and makes reaching your goals much quicker and easier. Create savings goals in PFM, like saving for a vacation, or a debt reduction goal, like paying off a high-rate credit card.

  1. Select “Add A Goal” on the goal dashboard.
  2. Select your desired pay off or savings goal.
  3. Fill in the required information.
  4. Click the “Create” button to complete the process of adding a new goal.

Keep in mind, your Goal Summary at the bottom of the page will update your completion date and the amount needed per month according to your preferences in the form.

Goals will automatically update your progress and will reflect your day-to-day account balances in STASH.



The power of STASH is in helping you monitor how you are spending your money. Learn how to set up Spending Targets with STASH’s budget feature. In the Budget tab you can monitor your spending targets each month and view monthly spending trends.

Budgets within STASH are tracked using the tags from the Dashboard transaction feed.

  1.  Click on ‘Budget’ at the top of the page.
  2.  Click on the Spending Target you’d like to edit from the list.
  3. At the top of the page, click the ‘EDIT or ‘DELETE’ button.
  4. You can change the name, amount, tags, and accounts associated with this Spending Target from here.

Mobile App

Take Citizens Bank of West Virginia with you wherever you and your mobile device go.


Apple App Store Badge  Google Play Store Badge

* Messaging and Data Rates May Apply. Check with your mobile phone carrier for details.

Deposit Checks

  • Deposit checks anywhere, anytime
  • Deposit multiple checks in one batch
  • Save time with fewer trips to the bank
  • Safe and secure with advanced encryption and security technology

iphone with mobile app to mobile depositGET STARTED:

Download our Mobile Banking App to your device by searching Citizens Bank of West Virginia in the Apple App Store and Google Play.


Mobile Deposit is compatible with iPhone®, iPad®, and Android™ operating systems. The phone’s camera must have a resolution of 2 megapixels or higher and you must have a wireless data plan with your mobile device carrier.

Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc.


All deposits made through your mobile device must be endorsed as follows:

For Mobile Deposit Only at Citizens Bank of West Virginia
MM/DD/YYYY (date)
Your Signature


  • When prompted for the amount, carefully enter the check amount to ensure it matches the amount written on your check
  • Flatten folded or crumpled checks before taking your photos
  • Place check on flat surface
  • Keep the check within the view finder on the camera screen when capturing your photos
  • Try not to get too much of the areas surrounding the check
  • Take the photos of your check in a well-lit area
  • Place the check on solid dark background
  • Keep your phone flat and steady above the check
  • Remove extraneous objects from the image (pens, papers, etc.)


Reduce clutter and your environmental footprint by receiving your statements electronically. They’re fast, convenient, and best of all – free!

  • View, print, and download up to 24 months of statements
  • Search within and across statements for specific transactions
  • Use eStatements for taxes, record keeping, and more – just like paper statements
  • eStatements are accessed securely through Citizens Bank digital banking and reduce the risk of fraud and identity theft that comes with paper delivery and disposal
  • Enjoy faster delivery – receive email notifications as soon as your eStatement is available
  • Receive eStatements for many of your Citizens Bank accounts, including checking, savings, CDs, loans, and mortgages
  • eStatement customers will also receive eNotices (electronic delivery of notices like overdraft notices, late payment notices for loans, or CD maturity notices)

To enroll in eStatements, log in to your digital banking account and click Documents, and follow the steps below:

  1. Choose Statements under Document Type
  2. Select the Accounts you want to receive eStatements
  3. Click Apply
  4. Review Terms and select your accounts for eStatement Enrollment
  5. Click View Test Document to confirm your device is capable of displaying the documents
  6. Click Accept Terms