Holiday Banking Hours

Our  Swainsboro location drive through will be closed Saturday, December 24th in observance of Christmas and December 31st in observance of New Year’s.  All bank locations will be closed Monday, December 26th in observance of Christmas and also Monday, January 2nd in observance of New Year’s.

From our family to yours, Merry Christmas and Happy New Year’s!

Beware of Phishing Text Scam

Many mobile phone users in Emanuel and Laurens County received a fraudulent text message “alert” on October 10, 2016 claiming to be from The Citizens Bank.  The text message directed them to call a specific number.  When called, a message at the phone number said the person’s debit card had been locked and asked them to provide debit card numbers and other identifying information.  The data systems of The Citizens Bank of Swainsboro were not compromised and the bank’s information was not the source of the phone numbers targeted.  The bogus alert was sent to people who are bank customers as well as those who have no relationship with the bank. Unfortunately, the scam tricked a few of the bank’s customers and created significant concern among many others.  All customers that responded to the fraudulent text message and gave their account number should contact the bank immediately so that their debit card can be canceled and a new card can be reissued.
The fraudulent text message was sent to random cell phones on Monday, October 10th. The message was sent from (844) 707-7859 and read as follows:

“CitizensBaankk Alert for (Recipient Cell Phone Number) Contact (518)-,.312-,.4885”
Cyber Criminals and Phone Scam Criminals obtain a data base of email addresses and cell phone numbers within a given region of the country and use common bank names (Citizens Bank, Bank of America, etc.) to fraudulently attempt to obtain debit and credit account card numbers.  No one should ever give their account numbers or social security number to anyone because of a phone call, text message or email solicitation.  The majority of these scams occur on a weekend or bank holiday.

Cyber Crime and Phone Scam Crime is an increasing threat, and customers should always use caution when receiving phone calls, text messages, and emails from someone pretending to be the bank.  Whenever you are suspicious always call the bank directly to verify.  There are also some important tips consumers can use to prevent fraud we’d like to share:

· Be alert for phishing scams trying to trick you out of giving up account numbers and other information.  They often arrive as email, phone or text messages asking for your account number or other details.  Banks don’t ask for such specific details.  The already have that information and won’t ask you for it in such unsolicited requests.

· Notify your bank immediately if you notice a fraudulent transaction.  You will be reimbursed for verified fraud if you report it promptly.

· Call your bank directly or navigate to their official website from a separate browser page if you’re suspicious.

· Watch your account like a hawk. Monitor your account transactions online frequently.  Set up electronic transaction notifications and balance alerts through your bank’s online banking service to monitor activity.  Check your statement every month.

· Change your password regularly and avoid using a similar password for your bank accounts as you do for other websites or apps.  Don’t use common numbers such as birthdates, street addresses or other information that can be easily associated directly with you in your passwords.  Don’t keep a list of passwords, PINS or usernames in your wallet or in an unsecure computer file.

· Don’t give your Social Security number or other personal credit information about yourself to anyone who contacts you.

· Order free copies of your credit report once a year to ensure accuracy.

· When using social networking sites, never include personal contact information including telephone numbers, Social Security number, birth date, email addresses, physical address, mother’s maiden name or other information that could provide sensitive information to fraudsters or hints to passwords.

· Don’t open email from unknown sources and use virus detection software.  Banks won’t send you an email asking you to click on a link and provide sensitive account information.

Download Access Now Mobile App

Published
If you have a smart phone and have not downloaded the Access NOW Mobile Banking App, follow the instructions below to download and start using to get familiar.  *NOTE* Before you can use the Access NOW Mobile Banking App, YOU MUST BE SIGNED UP FOR INTERNET BANKING, AS YOU WILL USE THE SAME USER ID AND PASSWORD.
1. To display the accounts using the Access NOW Mobile Banking App, go to NetTeller and select Options.
2. Once in Options, choose Mobile Settings.
3. Under Mobile Settings, choose the tab, Web Mobile Settings, located in the top left corner above the green Mobile Web settings bar.
4. Follow the instructions on this page and click Submit at the bottom of the page.
TEXT SETTINGS allow you to check your “Balance and History”.
A. If you would like to check your balance and history using Text Mobile Settings, choose the tab located left corner above the green Mobile Web settings bar, titled Text Mobile Settings.
B. Follow the instructions and click Submit at the bottom of the page.  *NOTE 2* If you have an iPhone, you will go to the iTunes APP store to download Access NOW App.  For Android based phones, you will use your Google Play store.I. Go to the appropriate mobile app store and search for Access NOW Mobile Banking, or Citizens Bank of Swainsboro or Citizens Bank of Laurens County.
II. Follow the prompts to download and install the App.
III. Once the App has been installed, click on Access NOW from the smartphone.
IV. Select LOGIN.
V. Enter the Access NOW ID. This will be the NetTeller User ID.
VI. Enter the Access NOW Password. This will be the NetTeller Password.
VII. Press the Login button.
VIII. The home screen will show the Account settings chosen above in option 3.
IX. The menu options become useable by choosing the 3 bars located in the “A” of Access NOW.
X. Once the menu options are available, you may Transfer money between accounts, Pay Bills, (you must previously setup from Online Banking), Deposit Checks, Manage Debit Cards, receive Alerts, and show Locations for our branches and ATM’s.
XI. To Logout of the App, choose Log Out, located in the top right hand corner in the “W” of NOW.
XII. Confirm that you would like to Log Out.  “NOTE 3” If your phone is not an iPhone or Android but has Internet capability, use the following URL: https://airteller.com/citizensbankswain-laurens .  This option WILL NOT allow you to deposit checks or manage your debit card, however, all other options are available.  (View Accounts, Transfer money between accounts, Pay Bills, Receive Alerts and find our Locations.)

Download Access NOW

Google 

iTunes

Steps for signing up for E-statements

Published
Note: You have to be logged on to NetTeller Internet Banking to sign up for E-Statements.
Step 1: Click on the tab labeled ‘E-statements’
Step 2: Click on tab Sign-up/Changes
Step 3: Enter in email address and verify all information is correct.
Step 4: Answer the question you would like your ‘security phrase’ to be.  This is how your E-statements will be authenticated.  This key word or phrase will show up in every email you receive that have something to do with your monthly statements.
Step 5: Agree to the Terms and Conditions on the screen
Step 6: Click Save Settings at the bottom of the screen
Step 7: Screen should then prompt you to click on the particular accounts you want to receive E-statements for.  Click Save again.
Step 8: You should receive confirmation in an email form to the email you provided informing you that you are enrolled. This process could take a few minutes.
Step 9: Wait for the monthly statement.

Access NOW Mobile App FAQ’s

Published

Access NOW Mobile App FAQ’s

1. Will my Access NOW user ID and Password be the same as my NetTeller Online Banking?
a. Yes.  The User ID and Password will be the same.

2. Can I transfer money between accounts?
a. Yes, if you have that ability with NetTeller Online Banking.

3. Can I pay bills?
a. Yes, if you have that ability with NetTeller Online Banking.
b. New bill payments must be setup using NetTeller Online Banking.

4. Can I deposit checks from Access NOW Mobile App?
a. Yes, however, you MUST ENDORSE the back of the check with FOR MOBILE DEPOSIT ONLY.  If this information is not clearly written for endorsement, the check will not be deposited.

5. Will I have immediate availability to the deposited amount?
a. No.  The deposit will be available the next business day if the check is deposited before 4:00 pm Eastern time.

6. Can I deposit checks if I don’t have an iPhone or Android based smartphone?
a. No. This function is only available for iPhone and Android users.

7. I have a smart phone with Internet access, but not an iPhone or Android, can I still use the app?
a. Yes, however Card Management nor the Deposit function will be useable, but all other functions will be useable.

8. What are the fee’s associated with the service?
a. This is a FREE service.

Mobile Text FAQ’s
1. Can I enroll for Mobile Text from my mobile device?
a. No. Enrollment for Mobile Text must begin within your traditional NetTeller site.

2. How do I get information for a specific account?
a. During the enrollment process you designate a mobile short name for each enrolled account. This short name must be included in the text request to get account specific information.

3. How do I UN-enroll from Mobile Text?
a. Un-enrollment can be accomplished one of two ways. You can log in to your traditional NetTeller site and de-select the enroll option or you can text STOP to 89549.

4. What are the functions Mobile Text allows?
a. You may check your balance and history on the selected enrolled accounts using the BAL and HIST entries.

5. What are the fee’s associated with the service?
a. This is a FREE service.

E-Statement FAQ’s
1. How do I sign up for E-Statements?
a. Sign into your NetTeller Internet Banking and select the tab labeled E-Statements. This will populate a second line. Choose Sign-up / Changes and follow the instructions.

2. Will I continue to receive a printed copy via USPS?
a. No. You will be able to print your statements from your home printer.

3.How long will the E-Statements be available to view?
a.Once you begin to receive your E-Statements, an 18 month history will begin building with the first E-Statement.

4. Will a copy of the check image be available with E-Statements?
a. Yes.
5. Can I revert back to regular statements if I don’t like the E-Statement format?
a. Yes. Login to NetTeller and uncheck all selections under the Sign-up / Changes tab.

6. What are the fee’s associated with this service?
a. This is a FREE service.

Enhancements to Internet Banking

Published
We are excited to announce that a “new look” is coming to your Internet Banking page!  When you login, you will now have the option to customize what is shown (and where) on Internet Banking.  To customize, choose the “configure this page” link (located on the left side of the page).  Here, you can add and arrange information to the left, center and right columns of your internet banking page.image001

Upgrade Your Browser

Published
Effective Monday, July 11, 2016, internet banking access to Net Teller with Internet Explorer 7 or 8 will be blocked due to Microsoft’s discontinuation of support for these browsers.  Please upgrade your browser accordingly.

Protect Your “Cyber Home” With a Solid Foundation

Published

Simple steps to secure your computers and mobile devices for Internet banking and shopping. Your home has locks on the doors and windows to protect your family and prevent thieves from stealing cash, electronics, jewelry and other physical possessions.  But do you have deterrents to prevent the loss or theft of your electronic assets, including bank account and other information in your personal computers, at home and when banking or shopping remotely online?  “Think about all of the access points to and from your computer — such as Internet connections, email accounts and wireless networks,” said Michael Benardo, manager of the FDIC’s Cyber Fraud and Financial Crimes Section.  “These always need to be protected.  Otherwise, it’s like leaving your front door wide open while you are away so that anyone could come in and take what they please.”

Consider these strategies For Banking by Computer or Mobile Device. Take extra precautions for logging into bank and other financial accounts. These measures include using “strong” user IDs and passwords by choosing combinations of upper and lower-case letters, numbers, and symbols that are hard for a hacker to guess.  Don’t use your birthdate, address or other words or numbers that can be easy for con artists to find out or guess.  Don’t use the same password for different accounts because a criminal who obtains one password can then log in to your other accounts.  Keep your user IDs and passwords secret, and change them regularly.  Make sure to log out of financial accounts when you complete your transactions or walk away from the computer.

Consider using a separate computer solely for online banking or shopping. A growing number of people are purchasing basic PCs and using them only for banking online and not Web browsing, emailing, social networking, playing games or other activities that are more susceptible to malicious software — known generally as “malware” — that can access computers and steal information.  As an alternative, you can use an old PC for this limited purpose, but uninstall any software no longer needed and scan the entire PC to check for malicious software before proceeding.

Take precautions if you provide financial account information to third parties online. For example,some people use online “account aggregation” services that, from one website, can provide a convenient way to pay bills, monitor balances in deposits and investment accounts, and even keep track of your frequent flyer miles.  While these websites may be beneficial, they can also present potential issues related to the security of the account information you have shared with them.  If you want to use their services, thoroughly research the company behind the website, including making sure that you’re dealing with a legitimate entity and not a fraudulent site.  Also ask what protections the website offers if it experiences a data breach or loss of data.

Periodically check your bank accounts for signs of fraud. If you bank online, check your deposit accounts and lines of credit at regular intervals to spot and report errors or fraudulent transactions, just as you would review a paper statement.  Online banking makes it easier and faster to monitor your accounts.  This is important, because the sooner you can detect a problem with a transaction, the easier it should be to fix.Federal laws generally limit your liability for unauthorized use of your debit, credit and prepaid cards, especially if you report the problem to your financial institution within specified time periods, which vary depending on the circumstances.  A good rule of thumb is to check your accounts online once or twice a week.  Also, many banks make it easier for customers to keep track of their accounts by offering email or text message alerts when balances fall below a certain level or when there is a transaction over a certain amount.