Make the Switch

Switch Banks with Ease

How many times have you wanted to switch, but thought it would be too big a hassle? At Citizens Savings Bank, we’re committed to helping our customers save time and money any way we can. That’s why we put together a personal account switch kit to ensure your transition to Citizens Savings Bank goes smoothly.

Save time searching for forms and filling out paperwork — download our personal account switch kit today!

Download our Switch Kit

Our switch kit contains the following forms:

  • Request to Change Automatic Payments
  • Request to Change Direct Deposit
  • Account Closing Request Form
  • Online Banking & Bill Payment Worksheet
  • Helpful Tips & Instructions

Please follow the steps outlined below to switch your accounts over to Citizens Savings Bank.

STEP 1: OPEN YOUR NEW ACCOUNTS

Open a new Citizens Savings Bank checking account at one of our seven convenient branch locations or open an account online.

Choose your checking account today!

STEP 2: STOP USING YOUR PREVIOUS CHECKING ACCOUNT

Stop writing checks or using your debit/ATM card on your old account and start using your new account for all your banking needs. It may take up to two weeks to receive your new checks.

STEP 3: ADD OR SWITCH OVER DIRECT DEPOSITS

Switch over any automatic transfers or move any direct deposits to your new account. Use the forms in the switch kit to notify companies and financial institutions handling your automatic deposits. 

For any payroll direct deposits, speak with your company’s Human Resources or payroll department to find the proper form to use. For the company handling your retirement or pension, you can simply fill out the Request to Change Direct Deposit form in the switch kit and forward to the respective company or department.

For Social Security direct deposits, visit godirect.org or ssa.gov or place a call to the Social Security Administration at (800) 772-1213  or (TTY) 1-800-325-0778. Be sure to have your new Citizens Savings Bank account information with you when you call.

STEP 4: REMEMBER TO CHANGE ANY AUTOMATIC PAYMENTS AND WITHDRAWALS

For automatic withdrawals from your old account or debit card, use the Request to Change Automatic Withdrawal form in your switch kit.

Automatic withdrawals could be for:

  • Mortgage payments
  • Homeowner or auto insurance
  • Life insurance

Automatic charges to your old debit card or account could be for:

  • Utility bills (gas, water, electric)
  • Telephone or cell phone
  • Cable and/or internet bills

For Electronic Payments (Online Bill Pay)

If you used online bill pay at your previous financial institution, be sure to remove all payee information from your former institution. Then add the payees to your Citizens Savings Bank online bill pay service. If you haven’t signed up for online bill pay yet, sign up here or call (800) 692-6279 (extension 400) for more details.

Note: If you close your prior online bill pay early, some payments may not be made or processed as initially thought.

STEP 5: CLOSE OLD ACCOUNTS

After your new accounts have been set up with us, allow time for any outstanding checks to clear in your old account. Destroy your old ATM or debit cards, as well as any unused checks or deposit slips. This process may take several weeks.  

Once you are sure your checking account is inactive, ask your financial institution to close your account and send you the remaining balance. You can call your former institution or use the Account Closing Request form from your switch kit, if you want to handle this process by mail.

When looking for your routing number or your account number, look at the bottom of your check for a series of numbers as noted below.

Examples:                                                   

:23137515: is a Routing Number                                   

"0123456789" is an Account Number

Please consider the following over the next 30 days:

  • Transferring your savings accounts to Citizens Savings Bank and review our current Money Market and CD products available
  • Consider moving any Home Equity loans or lines of credit to Citizens Savings Bank
  • Discuss your existing mortgage with your branch

QUESTIONS?

If you need help completing any of the paperwork in our switch kit, feel free to contact us at (800) 692-6279 (option 3) and select the most convenient branch. Or just stop by your local branch location!

Helpful Tips & Instructions

Social Security Administration
(800) 772-1213
ssa.gov
godirect.org

Veterans Affairs
(877) 838-2778 

Railroad Retirement Board
(800) 808-0772

Office of Personnel Management (includes Civil Service)
(888) 767-6738 

AUTOMATIC PAYMENT REQUEST

Once you have reviewed all your automatic payments from your previous bank statement, use the Request to Change Automatic Payments forms to notify the companies of your new information. Maintain your account at your previous bank until you have confirmed that the automatic payment has been switched to your new account at Citizens Savings Bank.

Remember, you can also manage your payments using our online banking & bill pay service.

ACCOUNT CLOSING REQUEST

Before you send the Account Close Request Form, check with your previous bank to make sure no additional forms are necessary. Ask about any penalties before you close any Certificate of Deposit accounts.

Be sure all automatic transfers have been switched to your new account.

Always check your statements to verify that all accounts have a zero balance and have been closed.

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