The Easiest Way to Pay People You Trust
Pay a Person with Bill Pay – Overview
Securely send money to individuals using your Citizens State Bank’s online banking.
Payment Methods:
- Direct Deposit: Send funds directly to a recipient’s bank account (requires their routing and account numbers).
- Email: Recipient gets an email to accept payment and must enter a shared keyword and their bank details.
- Text Message: Recipient receives a text to accept payment, enter a shared keyword, and provide bank details.
- Check: A paper check is mailed to the recipient’s address.
Process:
- Sign up for Bill Pay
- Create Payee
- Select Payment Type
- Complete required information
Important Security Tips
- Send Money Only to Trusted Individuals
- Never send payments to people you do not know or trust.
- Verify Recipient Information
- Double-check all recipient details before submitting a payment. Payments are processed quickly and are generally irreversible.
- Beware of Fraud
- If you are unsure about a payment request, independently verify the recipient and the purpose before proceeding.
- Citizens State Bank cannot guarantee the return of funds for authorized payments sent in error or as part of a scam.
- Keep Keywords Secure
- For email and text payments, create a unique keyword and share it only with the intended recipient. They must enter this keyword to receive funds.
- Protect Your Account
- Adding a new payee requires password or code verification due to the high-risk nature of these transactions.
Following these steps and security tips helps ensure your payments are safe and reach the intended recipient.
Warning: Protect Yourself from Payment Scams
Only send money through Pay a Person to individuals you know and trust. Scammers may pose as friends, family, or legitimate businesses to trick you into sending money.
Always:
- Independently verify payment requests—contact the person or business directly using a trusted method before sending funds.
- Double-check recipient details—once a payment is sent, it is generally irreversible and may not be recoverable if sent in error or as part of a scam.
- Be cautious of urgent or unexpected requests—scammers often create a sense of urgency to pressure you into acting quickly.
Citizens State Bank cannot guarantee the return of funds for authorized payments sent in error or as part of a fraudulent transaction. If you are unsure about a payment request, do not proceed until you have confirmed its legitimacy. Call your local Citizens State Bank with questions or concerns. It is always best to be skeptical (i.e. safe) than sorry. Never share your personal or account information with anyone.