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Several Logan County residents have been reporting phone calls stating that the caller is Citizens Federal alerting them of a card suspension. They then give a number to call back.

This is a telephone fraud scheme. Please do not call the number.
There have been reports of this type scheme in other regions of the nation.

There has been no data breach of phone numbers at Citizens Federal Savings & Loan Association.

We believe they are using a computer to robo-dial random numbers as customers and non customers received calls.

Please use extreme caution when receiving any calls or emails stating they are from a financial institution. We here at Citizens Federal would never call or email asking for personal account information.

Residents should never give out personal information over the phone or respond to e-mails asking for account information. If you have questions please call us at 593-0015.


For more information on how some of these scams work, visit our Privacy and security link on this webpage.


  Electronic Check Conversion

The Difference Between Debit & Credit

Have you ever written a check for a shopping purchase and the clerk hands you back the check? The clerk has used the information on your check to convert the payment request to an electronic format. The amount of the check will be deducted from your account as usual but probably sooner than it would have if the paper check had been used. This new transaction is called Electronic Check Conversion or "E-check". We have provided a link below to a consumer-oriented website that will give you more information about this growing procedure in the banking industry. The website is at Electronic-check.org.


 Did You Know? 

Unlike many other financial institutions, Citizens Federal processes all business for the full day. Our computers process in what is called a "real time" environment. We do not have a "cutoff" time when your deposit or any transaction is carried over to the following day. Every deposit received is credited to your account at the time you present it to us. And, of course, you get interest for every day your money is in your account. We think that is a real plus and just one of the great services we provide for our customers.








 Check 21 Information

CHECK 21 has dramatically improved the way checks are processed. It allows an electronic image of your check, rather than the paper check, to travel from bank to bank for collection. Banks can then convert that image back into a "SUBSTITUTE CHECK". This means speedier posting of checks for banks and less chance of fraud for you.


In order to avoid overdrawing your account, it is extremely important that you have money in your account BEFORE writing checks because it is possible the money could come out of your account the same day.




Citizens Federal Savings & Loan Association maintains this website to provide its customers with information about its products and services and to allow for communication between Citizens Federal Savings & Loan Association and its customers.  Citizens Federal may, from time to time, revise these terms and conditions.   

Use of Information

Any person is hereby authorized to view the information available from this web site for informational purposes only. No part of the information on this site can be redistributed, copied, or reproduced without prior written consent of Citizens Federal. 

Disclaimer of Warranties

The information contained or accessed, and references to corporations, including their services and products, are provided "as is" without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, non-infringement, or error-free or uninterrupted service.

Descriptions of, or references to, products, services or publications within Citizens Federal's web site does not imply endorsement of that product, service or publication. Citizens Federal makes no warranty of any kind with respect to the subject matter included herein, the products listed herein, or the completeness or accuracy of the information. Citizens Federal specifically disclaims all warranties, express, implied or otherwise, including without limitation, all warranties of merchantability and fitness for a particular purpose.

This publication could include technical inaccuracies or typographical errors. Changes may be periodically made to the information herein.


Disclosure Statement For Consumers: Loan information presented on the website of Citizens Federal is in accordance with the Federal Reserve Truth in Lending Act (12CFR226). Interest rates displayed for loan products are based on an Annual Percentage Rate (APR) and may fluctuate at any time.

Deposit information presented on the website of Citizens Federal is in accordance with the Federal Reserves Truth in Savings Act (12CFR230). Interest rates displayed for deposit products are based on Annual Percentage Yield (APY) and may fluctuate at any time.

Facts, data, & other information presented on Citizens Federal website pages are provided directly by Citizens Federal.

Citizens Federal, our employees, officers, and directors, are not responsible for typographical errors or errors of omission; and, we cannot guarantee that all information is accurate or complete.







Privacy and Security Policy

Internet Security and Fraud Alerts

The two scams are, credit card via the phone, and "phishing" by email, is a new threat effecting many people. Please read below, so that you too do not fall victim to fraud.

VISA and Mastercard Fraud - People are receiving phone calls at home from "Visa" or "Mastercard" Fraud departments (which are fake). NEVER, NEVER give your card number, or three-digit number found on the card back, to anyone over the phone who calls you.

The scam works like this: A person calls, gives their name, and states that they are calling from the Security and Fraud Department at VISA. They may provide a Badge number. They state that your card has been flagged for an unusual purchase pattern, and they are calling to verify. They state the bank name, and ask if you have purchased a product like "an Anti-Telemarketing Device for $497.99 from a marketing company based in Arizona"?

When you say "No", the caller says they will be issuing a credit to your account. They then verify your address, and provide you with instructions to call the 800# listed on your VISA card and ask for Security. They advise you will need to refer to a control number they furnish.

They then ask to verify the card in your possession. They indicate there are three numbers on the back of the card used to make internet purchases, and ask that you read those three numbers back to them. The scammers indicate they wish to verify the card is in your possession. WHAT THE SCAMMERS WANT IS THE THREE DIGIT NUMBER ON THE BACK OF THE CARD. DO NOT GIVE THAT NUMBER OUT!

Phishing Fraud- There has been a barrage of e-mails to consumers that warn of problems with an account or promote a special offer, and then direct you to a web site that appears to belong to a reputable company like America Online, Earthlink, AT&T, Yahoo, VISA, Amazon.com, eBay, etc. This is the latest scam created by hackers call "Phishing".

Phishing is the practice of sending fraudulent e-mail messages to addressees requesting them to supply confidential information. The message can be directed at a smaller number of targeted recipients, but is most often mass-mailed or "spammed" to thousands of potential victims. The e-mail is disguised to look like a request from a legitimate organization such as a thrift, a credit card company, or a retail merchant with which recipients may already have a business relationship. Often the message includes a warning regarding a problem related to the recipient's account and requests the recipient to respond by providing specific confidential information. The format of the e-mail typically includes proprietary logos and branding, a "From" line disguised to appear as if the message came from a legitimate sender, and a link to a website or a link to an e-mail address. All of these features are designed to assure the recipient that the e-mail is from a legitimate business source when in fact, the information submitted will be sent to the perpetrator.

Victims may be directed to provide personal account information by responding to the e-mail, or they may be directed to click on a link that takes them to a legitimate looking webpage containg a form on which they are instructed to provide the information. Typically, the information requested includes items such as account numbers, passords, PINs, Social Security numbers or other personal identifying information that will allow the perpetrator to gain access to the victim's accounts, steal the victim's identity, sell the information to others seeking to do the same, or all of these. A consortium of banks, credit unions, credit card companies and online retailers has established an anti-phishing web site,  Anti-Phishing.org.  This web site contains information regarding Phishing, the types of e-mail subject lines phishers use and a form to report Phishing activity.

The following are tips on how to avoid being lured by these Phishing scammers:

1. If you receive an unexpected e-mail stating your account will be closed unless you confirm your billing information, DO NOT reply or click on any links that may be included in the e-mail.
2. Contact the company named in the e-mail to confirm if the information requested is legitimate. Companies do not ask customers to confirm personal information by sending an e-mail or on a pop-up menu.
3. Avoid e-mailing personal and financial information. Always check to be sure that the "lock" icon is on the browser's status bar. It means your information is secure during transmission.
4. Report suspicious activity to the
Federal Trade Commission . If you believe you have been scammed, file your complaint at Federal Trade Commission , then visit the FTC's identity Theft web site at Federal Trade Commission/ID learn how to minimize your damage.



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