A young lady in a restaurant

Consumer Debit

MasterCard® My Citizens















































Citizens Bank Consumer Debit Mastercard®

The Card That Works as Hard as You Do

Unlock the freedom to shop, travel, and manage your money—your way. The Citizens Bank Consumer Debit Mastercard® is more than just a card; it’s your everyday financial companion, packed with features that make life easier and more rewarding.

Why Choose Citizens Bank Debit Mastercard®?

Instant Access, Instant Gratification

  • Walk into any branch and walk out with your new debit card—activated and ready to use.
  • Prefer delivery? We’ll mail your card and PIN securely to your door.

No Hidden Fees

  • Enjoy your card with no annual fee.
  • Use your Citizens Bank Debit Mastercard® at our ATMs with no transaction fees.

Shop & Earn Rewards

  • Earn points every time you use your card for qualifying signature-based “credit” purchases—1 point for every $4 spent.1
  • Redeem points for cash back, travel, merchandise, gift cards, and more.
  • Combine points across eligible cards for bigger rewards (“householding”).

Total Control, Total Security

  • Dual Interface EMV Chip: Enjoy the latest in payment technology with a chip that supports both traditional insert and convenient tap-to-pay purchases—fast, secure, and contactless.3
  • Advanced EMV chip and Mastercard® Identity Check keep your transactions safe.
  • Zero Liability protection means you’re not responsible for unauthorized purchases.2
  • Your security is our priority- our Fraud Center provides real-time monitoring and 24/7 support to help safeguard your account from unauthorized activity.
  • Instantly lock or unlock your card, set alerts, and manage spending from your phone or computer.

Digital Wallet Ready

  • Add your card to Apple Pay®, Google Pay™, or Samsung Pay® for fast, secure payments—online or in-store.
  • In-App Push Provisioning: Instantly add your debit card to your Apple Pay® or Google Pay™, mobile wallet directly from our digital banking app—no need to manually enter card details.

Flexible Spending

  • Standard daily limit of $1,000 (Reward and Platinum: $1,500; Student $300)—Limits can be adjusted to fit your needs.
  • Use your card anywhere Mastercard® is accepted, including ATMs worldwide.

Travel Confidently

  • Get emergency cash advances and ATM locator assistance wherever you go.
  • Notify us before you travel for uninterrupted access—even internationally.

How to Get Started

  1. Apply at any branch.
  2. Choose your PIN and activate your card.
  3. Start shopping, earning, and enjoying all the benefits!

Need Help?

Our friendly team is here for you!
Call 1-866-882-2265, Chat with us online or visit any branch for personalized support.

Ready to experience the difference?

Get your Citizens Bank Debit Mastercard® today and start living life—rewarded.

 

1- For details on transaction eligibility, limitations and terms, refer to Frequently Asked Questions | Citizens Bank | Elizabethton, TN.
2- Must notify Citizens Bank promptly of any unauthorized use. Certain restrictions apply. See www.mastercard.us/zero-liability for details.
3- Not all merchants may accept contactless.