Online Banking

Manage Your Debit Card on your terms! CardValet is now integrated into our mobile banking app, which makes it even easier for you to access and control your debit card activity. CardValet allows you to establish spending options on how, when and where your card is used or to monitor transactions, alerts and balances.

  Key Features


Check current balances and transaction details on your account.


Lock or unlock your Debit Card with one touch

 Spending Limits

Set spending limits. Any transaction over the amount you specify will be declined.


Receive real-time, customized alerts to keep you informed of your Debit Card activity


Use the GPS location of your smartphone to restrict where transactions can be made.


Ensure spending compliance for businesses

Learn more about the Citizens Mobile Banking App.

CardValet is a registered trademark of Fiserv, Inc. or its affiliates.

VISA® Debit Card
Present your Citizens Bank Visa® Debit Card* to make a purchase - or get cash - and the amount will be deducted directly from your checking account. It's not a credit card, but it offers you all the payment convenience of one. You'll get a receipt for easy record keeping, and every transaction is shown on your monthly checking statement.

To activate your card call: 800.992.3808

  Key Features

 Welcome Worldwide

Use it everywhere Visa® cards are welcome to get cash, groceries, and gas...anytime you want to pay for a purchase right from your checking account. It adds the worldwide acceptance and buying power of a Visa® card to your existing checking account.


Your Visa® Debit Card allows you to withdraw available funds from your checking account without writing a check. Your Visa Debit Card also works like an ATM Card whenever you need cash.

Use Sheetz ATMs Free of Charge

Citizens Bank of West Virginia customers may use any Sheetz ATM free of charge. This means you can access your money at any of the over 550 Sheetz locations in West Virginia, Maryland, North Carolina, Ohio, Pennsylvania, and Virginia. Find a Sheetz near you.

  Fraud Protection

Because a Visa® Debit Card* is a part of the Visa® Network, you have significant protection against unauthorized use...even if your card is lost or stolen.

To take advantage of this convenient service, please stop by one of our Citizens Bank offices to apply.

 Lost or Stolen

If your ATM or Visa Debit Card is LOST or STOLEN and it is after normal banking hours, please call: 800-472-3272

 Fraudulent Use

To report fraudulent use of your debit card when the bank is closed, you may contact the Fraud Detection Center at: 800-262-2024

In order to protect you and to ensure the validity of your Visa debit card transactions, Citizens Bank has placed a block on a number of foreign countries that have been identified as high risk for fraud. These countries are blocked from Internet and non-PIN (signature) transactions. Your card will still work at an ATM or merchant if you use your personal identification number (PIN).

If you plan on traveling out of country, please call the bank and we will take all necessary steps to make sure your debit transactions are processed smoothly. Unusual spending habits may cause Visa to freeze your card in an effort to protect you from fraud. However, using your Citizens Bank debit card on your international travels is a safe and convenient way to get cash from an ATM and pay for dining, lodging and purchases. Informing the bank in advance of your travels will allow us to monitor your account.

When using your debit card abroad, your account will be charged for the U.S. Dollar equivalent of your international transaction. Citizens Bank does not determine the exchange rate. This is determined by the overseas merchant’s financial institution or ATM network that is used.

If you have any questions regarding the use of your Citizens Bank debit card for foreign transactions, please contact our Electronic Banking Department at 800.797.5790 or e-mail

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