The Easiest Way to Pay People You Trust
Pay a Person with Bill Pay – Overview
Need to send money to a friend, family member, or someone you trust? Pay a Person with Bill Pay lets you securely send money through Citizens State Bank Online Banking.
Ways to Send Money
Direct Deposit
Send money directly to the recipient’s bank account using their routing and account numbers.
Email
The recipient receives an email with instructions to accept the payment. They will enter a shared keyword and provide their bank account information.
Text Message
The recipient receives a text message with instructions to accept the payment, enter a shared keyword, and provide their bank account information.
Check
A paper check is mailed directly to the recipient’s address.
How to Use Pay a Person
- Sign up for Bill Pay through Citizens State Bank Online Banking.
- Select Create Payee.
- Choose the appropriate payment type.
- Enter the required recipient and payment information.
- Review the information carefully before sending your payment.
Pay a Person Security Tips
Only Send Money to People You Know and Trust
Never send money to someone you do not know or trust. Scammers may impersonate friends, family members, businesses, or other trusted individuals.
Verify Payment Requests
Independently confirm unexpected payment requests using a phone number or contact method you already trust, especially if the request seems urgent.
Double-Check Recipient Information
Review the recipient's information carefully before submitting your payment. Payments are generally irreversible and may not be recoverable if sent to the wrong person or as part of a scam.
Keep Your Keyword Secure
For email and text payments, create a unique keyword and share it only with the intended recipient. The recipient must provide the keyword to receive the funds.
Protect Your Online Banking Account
Adding a new payee requires password or code verification because of the higher risk associated with these transactions. Never share your password, verification codes, personal information, or account information with anyone.
Protect Yourself from Payment Scams
Only use Pay a Person to send money to individuals you know and trust.
Scammers may pretend to be friends, family members, or legitimate businesses and pressure you into sending money.
Before sending a payment:
- Verify the request independently. Contact the person or business directly using a trusted phone number or contact method.
- Check the recipient information. Make sure you are sending money to the correct person.
- Be cautious of urgency. Unexpected demands to "send money now" should be treated with caution.
- Protect your information. Never provide your online banking password, verification code, or account information to another person.
Important: 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 send the payment until you have verified that it is legitimate.
Have questions or concerns? Contact your local Citizens State Bank before sending the payment. When it comes to your money, it is better to be skeptical and safe than sorry.
Contact your local Citizens State Bank