Account Services

Visa Debit Cards

Upon Approval, VISA debit cards are issued to checking account customers.

They can be used with a PIN at ATM machines to get cash or used at stores to purchase goods or services. The one day limit for ATM withdrawal is $400.00 and the purchase limit is $750.00.

Use of your card is a withdrawal from you checking account and the amount will be deducted immediately from your balance.

For lost or stolen cards please call 1-800-472-3272.

ATM Cards

Enjoy the convenience of our Citizens Federal ATM card by accessing your statement savings account at any ATM machine nationwide.

Use your ATM card and personal identification number to deposit or withdraw from your account.

A small per transaction fee will apply when using any machine other than Citizens Federal.

Citizens Federal Savings and Loan Association is part of the MoneyPass surcharge-free ATM network, which translates into a significant benefit to our accountholders. MoneyPass  has thousands of ATMs coast-to-coast and the network continues to grow. Since each and every MoneyPass ATM is surcharge-free, accountholders won’t have to worry about paying a visiting bank’s fee to access their money. 

What does all this mean for accountholders? Regardless of where you live, work or travel, you will be sure to find a MoneyPass ATM nearby. Look for the MoneyPass logo and use your existing Citizens Federal Savings and Loan ATM or debit card to access funds. If you currently do not have an ATM or debit card you may apply for one at our office.

Find the MoneyPass ATM location nearest you at or use the mobile site or locator apps for your smart phone when you are on the go.  Please feel free to call our office at 937-593-0015 with any questions you might have regarding this program.

Voice Banking


Use Citizens Federal Voice Banking for accurate 24-hour account information.

Dial using a touch-tone telephone and follow the easy steps for entering your User ID and Pin Code. If you do not have a User ID and Pin Code, please contact us at 937-593-0015.




Easy on the environment and your wallet.

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