Debit Cards
Why Choose a Citizens Bank Visa Debit Card?
It’s easy to see why adding the buying power of a Citizens Bank Visa Debit Card to your account makes sense!
- It’s safer than cash and faster than writing checks.
- Pay for movie tickets, gas, doctor visits, dry cleaning – anywhere Visa is accepted.
- Use your card at any of our ATMs to access account balances, transfer funds, get cash and even change your PIN.
- Purchases are deducted directly from your checking account and transactions appear on your monthly statement for easy record keeping.
And, with our Instant Issue technology, you can have your card the same day. Call us today to at 575-647-4100 to order your debit card. Additional disclosures and account information will follow receipt of your Citizens Bank Visa Debit Card.
Contactless Ways to Pay
Citizens Bank of Las Cruces announces our High School Debit Cards! Now you can show your school pride and support your favorite school. Citizens Bank will donate to the school shown on your card with every debit card transaction. There is no additional cost to the card holder for the donations, and the card is available with any new or existing Citizens Bank checking account!
Come get your High School Debit Card TODAY!
 251 - Mayfield Trojans
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 252 - Las Cruces
Bulldawgs
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 253 - Centennial Hawks
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 254 - Organ Mountain
Knights
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 255 - Early College
HS Trailblazers
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 256 - LCPS Foundation
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 257 - Rio Grande
Preparatory Institute
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 474 - T or C Hot
Springs Tigers
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Debit Card Gallery
We also feature a gallery of other debit card designs for customers to choose from, and will be adding more choices over time. Our current selection is:
 101 - Default Design
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 104 - Pecan Trees
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 105 - Las Cruces 1890
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 106 - Red & Green Chile
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 107 - White Sands
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 108 - Zia Design
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 471 - T or C Turtleback Mtn
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 472 - T or C Circa 1953
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 473 - T or C Elephant Butte
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 501 - El Paso
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 601 - Albuquerque
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If you have a Citizens Bank Visa Debit Card
If you would like to change your PIN, you can:
- Visit any of our Citizens Bank ATMs and make the change right at the ATM, provided you know your existing PIN
- Visit a Universal Banker at one of our convenient locations: Locations & Hours
Card Management -
We offer several convenient ways to manage your card.
- Online/Mobile Banking - You can click on Card Management to choose how, when and where your card is used, set travel notifications, set spending limits, and set alerts.
- Via ATM: You can activate a new card by using it for the first time with your new PIN number at any of our ATMs.
- By Phone: We also have a toll-free number to use for customers who want to activate their cards, reorder a card, or report a card lost/stolen and is available 24 x 7 x365.
The number to access is: 1-866-839-7285, Option 4
After choosing Option 4:
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- To activate a card: Option 1
- To deactivate or report a card Lost/Stolen: Option 2
- To re-order a new card (same card #): Option 3
Local callers may also call the regular Telephone Banking system to access these features: 575-647-4199
Another Phone Option to solely report a lost or stolen card: 1-888-297-3416 (within U.S.)
206-389-5200 (outside U.S.)
Fraud Center -
Citizens Bank has a Fraud Center dedicated to keeping your account safe!
- Effective November 1, 2023 - protocols are being updated to help further prevent debit card fraud. If suspicious activity has been detected with your debit card, you may receive a text, a voicemail or an email to confirm/deny the transaction. You will also be provided with a case reference code specific to the transaction. Debit cardholders MUST provide the case reference number to authenticate themselves.
- If the charges are fraudulent, we can deactivate your card immediately and get a new one ordered for you. You can also deactivate your card within your online banking or by calling 1-866-839-7285, Option 4, Option 2.
- To ensure uninterrupted service, it is important that you maintain good contact information with the bank (cell phone number/email address)
- Update your contact information within your Online/Mobile Banking under "Profile"
- Or call or stop by any of our conveniently located branches.
- Please call 575-647-4100 with any questions.
Emergency Support Services for Debit Card Customers -
We understand that unexpected situations can arise while traveling or during emergencies. That’s why we offer Emergency Cash Disbursement and Emergency Card Replacement services to help you stay secure and supported—wherever you are.
Emergency Cash Disbursement
If your debit card is lost, stolen, or compromised, you may be eligible to receive emergency cash at a nearby location. This service ensures you have access to funds when you need them most. Third party delivery fees may apply.
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- Available 24/7 in most regions
- Subject to verification and approval
- Disbursement limits may apply
Emergency Card Replacement
In the event your debit card is lost or stolen, we can arrange for a replacement card to be delivered quickly—often within 1–3 business days depending on your location. Third party delivery fees may apply.
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- Expedited delivery options available
- Includes card activation support
- May require identity verification
How to Reach Us
To request Emergency Cash Disbursement or Emergency Card Replacement, you can contact us through any of the following secure channels:
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- Phone: Call our Customer Service team at 575-647-4100 or toll free 866-839-7285
- Email: Send a message to efraud@citizenslc.com
- Live Video Banking: Initiate a live video banking session during normal business hours
- Online Banking: Use the messaging feature once you’ve securely logged into online banking
- Mobile App: Reach out via the in-app messaging center
