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Citizens Community Bank offers Internet Banking - NetTeller!
Select from the links below  for more information about NetTeller and our online Bill Paying service.


NetTeller is an online banking service that allows you to inquire into your accounts via the Internet! This secure, real time banking service gives Citizens Community Bank customers the ability to:

  • Check balances on Deposit & Loan accounts
  • Transfer funds between accounts
  • Access account activity history
  • Place Stop Payments
  • Make loan payments
  • Receive Statements Electronically

NetTeller can be accessed from your computer, either at your home or office, through the Internet. NetTeller offers its users a secure site to do their banking 24 hours a day 7 days a week.
is offered to both our Personal and Commercial customers at no cost.

  • Click here to enroll for NetTeller at our secure site.
  • Click here to login to NetTeller.

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CCB Mobile is a mobile banking service that allows you to access your accounts using an app on your mobile device or from any mobile device that has internet capabilities. CCB Mobile is available to all active NetTeller users at no charge.

CCB Mobile gives you secure access to:

  • Check balances on Deposit & Loan accounts
  • Deposit Checks
  • Pay bills to established payees
  • Transfer funds between accounts
  • Make loan payments
  • Access recent account activity history
  • Text banking allows you to quickly request and receive basic account information via text message.  You do not have to log in to your NetTeller account and can access the information with simple commands!

For questions or support using our CCB Mobile App for IOS or Android, contact us at ccb@citizenscommunitybank.com or 618-566-8800.

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Citizens Bill Pay is an online banking service that allows you to pay your bills via the Internet. The Citizens Bill Pay system lets you pay anyone in the United States from the next door neighbor to the utility company. The payments are debited from your checking account and a detailed transaction description will appear on your statement. The payments are delivered either by mail or electronically to the designated creditor.

Regular payments are easily set up and require changes to the amount only for future payments..

  • Click here to enroll for Citizens Bill Pay at our secure site.

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When and how are the payments processed?

Payments submitted, recurring or one time, before 2:00 a.m. Monday-Friday will be processed at 2:00 a.m. Payments submitted between 2:00 a.m. and Noon will be processed at 12 Noon. Payments received after 12:00 noon on Monday-Friday will be processed the next business day. All payments scheduled to go on a weekend will be processed on the processing day before the weekend. All payments scheduled to go on a holiday will be processed on the business day before that date. Payments entered on the weekend, recurring  or one time, will be processed on the next business day.

What happens if I have a scheduled payment that falls over a weekend or holiday?

If a scheduled payment falls on a holiday or weekend, it will be paid on the Friday before the weekend, or the last working day before the holiday.

Can I use Online Bill Payment if I live outside the U.S.?

Yes, as long as you have a bank account in the United States. However, you cannot pay bills to payees located outside the United States.

Can I get a copy of a cancelled check?

Yes. You can view and print it through your online banking account transaction page.

How long is history retained in the View Payment History Section?

Payment history for active and deleted payees is retained and viewable for 18 months.

How far in advance should I set up a payment to ensure it is paid on time?

For an electronic payment, allow 3 business days from when the payment is submitted. For a check payment, the check will be in the mail the same day the payment is submitted if it is submitted before the 2 a.m. processing. If the check payment is entered before 12:00 Noon, the check will be mailed the following morning. Allow 5 to 7 business days for a check payment.

Please note that we have no control over the U.S. Postal Service.

Can I stop a payment?

Only check payments can be stopped after the check is printed and mailed, payment history will show the check number for that payment. The stop payment would be added in the same manner as for a regular check written out of your checkbook.

Whom can I pay through Online Bill Payment?

You can pay ANYONE in the United States from the next-door neighbor, to the utility company, to the bank, and even a child in college across the country.

What do the status fields indicate on the Payment History Page?

Processed - The payment has been processed and sent.

Rejected NSF - The payment that you have tried sending has rejected due to Non-sufficient funds. NSF payments will keep trying until one of the following happens: the funds become available; if it's a recurring payment and it expires, or if you delete the payment.

Communication Failure - There was an error due to communication problems. The payment will try again during the next processing run.

Vendor Refund - Payment rejected.

Can I edit Payee addresses?

No. Once an address is entered it stays with that payee. If you need to change an address it will be necessary to recreate the payee using the new address.

How do I know if a payee is electronic or check?

Once you have set up the payee, then you can look at the PAYEE LIST screen and you will see a field that will tell you if the payee is electronic or check.

How many payees may I have set up?

There is no limit to the amount of payees you can set up through the Internet.

What payment frequencies are available?

You can set up payments in any of the following frequencies:


When can you edit the dollar amount on a scheduled recurring payment?

You may edit the dollar amount the next business day after the scheduled payment date.

Are there any merchants that I cannot pay through the Bill Payment Service?

Any merchant that is on our database can be processed electronically. If a merchant is not on the list you may send the payment as a check. Make sure that you enter your merchant account number exactly the way it appears on your bill. If you choose a merchant on the electronic database that requires an address match choose the correct remittance address listed on your bill.

  • You cannot pay bills to payees located outside of the United States.

Are there minimum and maximum payment amounts?

Electronic payments are validated against the available account balance prior to processing, and check payments settle against your account like any other check, therefore, there is no dollar limitation on payments made through Bill Pay. You are limited only by the amount of funds in your account.

When will the money be taken out of my account?

For an electronic payment, funds are debited the same day that the payment is sent, providing it is sent by 12:00 Noon. Electronic payments submitted after 12:00 Noon are debited the next day during bill pay processing. Check payment funds are debited from the account when the check clears your account at the bank.

What if I do not have enough money in my account?

Check payments are handled in the same manner as a check written out of your checkbook against an insufficient balance.

Electronic payments are verified for funds availability during processing. If the funds are available, the account that you selected for the payment will be debited and the information sent on for processing. If the funds are not available, the payment will not be processed and you will receive a message to inform you that the payment could not be sent due to insufficient funds. Each day the payment will be resubmitted for you until either you delete the payment or the funds are in the account to make the payment.

Will the memo field I fill out when setting up a payment be passed on to the payee?

No. The memo information only appears on your payment history.

How late in the day can I enter, edit, or delete a payment?

You may add, edit, or delete a payment up to 2:00 a.m. on the day the payment is scheduled to be sent. If a same day payment is submitted between 2:00 a.m. and Noon it may be edited up until Noon.



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