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Citizens First State Bank is a locally owned community bank that has proudly served the community for over 100 years. With two locations in Northern Illinois, we are dedicated to providing the personal, efficient service you deserve. 

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**********DEBIT CARD FRAUD********** 
With the recent increase in debit card fraud, we have begun a new process to have customers notified immediately with any potential debit card fraud.  Our debit card provider will now contact customers via phone with any transactions that may look suspicious as they occur. A case number is left on a message in the event that you are not reached, you will need that number when calling back the phone number given. However,  when entering that case number it gives you an error stating that it is incorrect, continue to enter that case number in and you will eventually be connected to an operator.  With the new EMV technology coming to us in the early fall, we also hope to mitigate some of the fraud risk that seems to be ever prevalent these days.  

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