Citizens Community Bank
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Personal

Your life. Your choice.

Earn more rewards for all your everyday purchases.1

3x the points

Apply Online Today for a Simply Rewards™ Visa® Credit Card



Branch: Ask an associate for details.
Grocery Stores
Discount Stores
Gas Stations
Restaurants and Fast Food

1x the points

All other purchases

We make it easy to redeem

Access your account to see how many points you've earned through online banking or your monthly statement at www.cardcenterdirect.com.
Redeem your reward points for Account Credits, Gift Cards, Travel, Entertainment and more.1

Additional Visa Benefits

Fraud Protection
Visa's Zero Liability Policy means your won't be held responsible for any unauthorized charges made with your card or account information.2
Others
Including auto rental coverage, emergency cash, travel/emergency assistance, warranty manager and more.3

Online Credit Card Control

View transactions, pay bills and track expenses.
Includes eStatements with 18 months of history.
Learn more  about our competitive rates and fees.
Cardholder Self-Service Contacts
Online Account Access – www.cardcenterdirect.com
Rewards Points Redemption – www.cardcenterdirect.com
Customer Service – 1.800.821.5184
Cards issued by UMB Bank, n.a.
1Cardholders earn 3 points per dollar on purchases with MCC codes: 5411 (Grocery Stores), 5541 or 5542 (Gas), 5310 (Discount Stores), 5812 (Restaurants) and 5814 (Fast Food). Cardholders earn 1 point per dollar on all other purchases. See Simply Rewards Rules for details.
2Visa's Zero Liability Policy covers U.S. issued cards only and does not apply to certain commercial card transactions. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.
3See the Rewards Rules and Guide to Benefits that accompany your card for details. Certain terms and conditions may apply.

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTERESTBEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit http://www.fdic.gov/deposit/deposits/unlimited/expiration.html

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