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Your Security is Our Top Priority

At Citizens Business Bank, your security is our top priority. We are committed to safeguarding your financial well-being and ensuring the protection of your personal information.

Here are some important steps to remember when it comes to handling events that could result in fraudulent transactions or if you suspect you’ve received suspicious phone calls or text messages impersonating Citizens Business Bank:

  • If you suspect fraudulent transactions on your Citizens Business Bank account, or receive a suspicious phone call or text impersonating Citizens Business Bank, please contact us at 888.228.2265.
  • If your credit or debit card has been lost or stolen, please report it immediately to Citizens Business Bank at 888.222.5432.

There’s no denying the importance of your credit history in today’s world. The relative strength or weakness of your credit history can determine your ability to secure loans and insurance policies, gain employment, and open credit card and bank accounts. With so much on the line when it comes to your credit, it’s vital to do everything you can to protect your credit, starting with your credit report. Each of the three major U.S. credit bureaus provides tools to help minimize the risk of your credit report being used by unauthorized entities or individuals. Here are some important things to know and do if you have concerns about fraud:

What to do if you have become a victim of ID Theft:

Check your credit report to make sure there are no other accounts you’re not aware of that have been opened in your name. Visit or call 877.322.8228 to obtain a credit report.


Contact any of the credit reporting agencies to place a fraud alert on your file:

Experian: or 888-397-3742

TransUnion: or 800-680-7289

Equifax: or 888-766-0008


Freeze your credit. Place a credit freeze (security freeze) with all three bureaus to help limit access to your credit reports and prevent unauthorized new accounts from being opened using your information.

Once you freeze your credit, you’ll need to remove the freeze when applying for a new account.

You can lift or suspend the freeze temporarily or permanently. Check with each credit bureau regarding their specific process.

Alternatively, you may also consider placing an alert on your credit report, which makes it harder for credit to be opened in your name by notifying the creditor of potential fraud. You do need to renew an alert each year.


Contact your other financial institutions and creditors to speak with the fraud department and tell them your identity may have been compromised.

Consider changing your logins and passwords to help better protect your accounts.

You may choose to also file a report with your local law enforcement.