Stay #CyberAware While On the Go

Your mobile devices – including smartphones, laptops and tablets – are always within reach everywhere you go, whether for work, travel or entertainment. These devices make it easy to connect to the world around you, but they can also pack a lot of info about you and your friends and family, like your contacts, photos, videos, location and health and financial data. It’s important to use your mobile safely.

The 1st step is to STOP. THINK. CONNECT.

STOP: make sure security measures are in place. THINK: about the consequences of your actions and behaviors online. CONNECT: and enjoy your devices with more peace of mind.


  • Secure your devices: Use strong passwords or touch ID features to lock your devices. These security measures can help protect your informa on if your devices are lost or stolen and keep prying eyes out.
  • Think before you app: Information about you, such as the games you like to play, your contacts list, where you shop and your location, has value – just like money. Be thoughtful about who gets that information and how it’s collected through apps.
  • Now you see me, now you don’t: Some stores and other locations look for devices with WiFi or Bluetooth turned on to track your movements while you are within range. Disable WiFi and Bluetooth when not in use.
  • Get savvy about WiFi hotspots: Public wireless networks and hotspots are not secure, which means that anyone could potentially see what you are doing on your mobile device while you are connected. Limit what you do on public WiFi and avoid logging in to key accounts like email and financial services on these networks. Consider using a virtual private network (VPN) or a personal/mobile hotspot if you need a more secure connection on the go.


  • Keep your mobile devices and apps up to date: Your mobile devices are just as vulnerable as your PC or laptop. Having the most up-to-date security software, web browser, operating system and apps is the best defense against viruses, malware and other online threats.
  • Delete when done: Many of us download apps for specific purposes, such as planning a vacation, and no longer need them afterwards, or we may have previously downloaded apps that are no longer useful or interesting to us. It’s a good security practice to delete all apps you no longer use.

Article courtesy of

Created by the National Cyber Security Alliance

Made possible in whole by a grant fron the Digital Trust Foundation

Do I Need Renters Insurance in College?


Updated: July 2016

When you’re packing for college, you may be thinking about your class schedule and late night pizzas with friends. Someone making off with your laptop or a dorm fire are probably not what you’re envisioning about the campus experience. But since you may be bringing some expensive stuff with you — a television, speakers, clothing and a smartphone — it’s a good idea to make sure these things are protected before you leave home, just in case.

Whether you’re living in the dorm or an off-campus apartment, it’s important to have coverage for all those things that help you keep up with classes and make your living space feel like home. How to help protect your stuff, though, typically depends on where you’re living.

Dorm Life

If you’re living in a dorm or other campus housing, your belongings may be covered under your parents’ homeowners or renters insurance policy. You’ll want to check with your agent to make sure, but the National Association of Insurance Commissioners (NAIC) says that students who are younger than 26 and living on campus may be covered through their parents’ policy.

It can be a good idea to know the policy’s coverage limits for personal property. The Insurance Information Institute(III) says some policies limit coverage for belongings while they are away from the policyholder’s home. This is often referred to as “off-premises coverage.” For example, if your parents’ policy provides $100,000 worth of coverage for belongings, but limits that coverage to 10 percent for items that are off-premises, it may provide up to $10,000 for items away from their home, including belongings you bring to school.

It’s also important to note that certain items, such as a laptop, may have coverage limits. If the policy’s limits aren’t enough to cover the items you’ll be bringing to school, the III says your parents may be able to add scheduled personal property coverage, sometimes referred to as a “floater,” to their homeowners or renters insurance policy to help cover certain valuable possessions.

Off-Campus Housing

If you’ll be living in off-campus housing, the III cautions that your parents’ insurance will probably not extend to any belongings you bring with you (although you’ll want to check with your agent to be certain). Your own renters insurance policy may be a good way to help protect your belongings should they be stolen or damaged by a covered loss. (Covered events are often described as “perils” in insurance terms. Read your policy to learn what risks it may cover, such as theft or fire.)

A renters policy will also likely provide liability coverage, which may help prevent you from paying out of pocket if you are found legally responsible for someone else’s injuries or accidental damage to their property (including your landlord’s).

The III recommends asking your agent about coverage limits, as well as whether you may benefit from additional coverage for certain valuables.

Hopefully you and your stuff stay safe and sound while you’re running to and from classes, but it may be a good idea to keep a home inventory — it can be a big help if you ever need to file a claim. Knowing you have coverage for your stuff can bring some peace of mind and help you focus on a great college experience.

Article courtesy of:


Citizens Relay for Life Team raises $20,699.50

team crop

Citizens Bank Minnesota’s Relay for Life Team was hard at work throughout the past year raising money for the fight against cancer right here in Brown County. Through a variety of fundraisers, including potlucks, a 5K walk/run, a crafters’ retreat, an employee Silent Auction and donations from friends and family, the Citizens team continues to contribute sizable donations to the American Cancer Society every year. This year we raised $20,699.50, putting us in first place in the county. Citizens has been part of Relay for 21 years, with total contributions at $219,546.22.
The money raised through Relay events helps with education, prevention, treatment, and support for all cancer survivors and patients. A large portion of the money raised in Brown County stays in Brown County, helping our neighbors and friends when they need it most. At our local Relay event, we celebrate all cancer survivors, remember loved ones lost and learn how each of us can do more to fight back against this dreaded disease.
If cancer could be cured by energy, commitment and determination, we’d be done with it and no one would ever have to fear this disease again!

By: Barb Marti, Receptionist/Administrative Assistant

Citizens Employees do 37 Random Acts of Kindness at Bavarian Blast

Bavarian Blat RAK's

Some Citizens employees had a ‘blast’ at Bavarian Blast in New Ulm on Thursday, July 14, 2016! They attended the “Fabulous Armadillos” concert at the festival and surprised quite a few concert attendees by doing 37 Random Acts of Kindness!

Acts included buying beverages, corn dogs and bags of kettle corn! Our employees had some great experiences – when a few people in line at the kettle corn booth heard what one employee was doing, they chipped in a few of their food tokens too, and the business owner donated a bag also! One younger teen hugged his bag of kettle corn after receiving it and his mom said that we had just made his night.

Random Acts of Kindness can be done by anyone, anytime and anywhere. You never know the impact you’ll make on someone, so take the time to do one today! The simplest gesture can mean the most!

2016 Citizens Race 2 Raise 5K


Citizens Bank Minnesota’s Relay for Life team held their 2nd Annual Race 2 Raise 5K fundraiser on Saturday, June 11, 2016.  127 participants came to run and walk the 5K route, which started at Citizens, continued south on Minnesota Street to 16th South, then back along the bike trail, ending at German Park.  The 5K was professionally chip-timed and there were medals awarded to the top 3 males and top 3 females in seven different age brackets.

The 2016 Race 2 Raise 5K raised $3,061.99 for Relay for Life! Citizens looks forward to even more participants in the event in 2017.

Citizens Bank Minnesota Awards Scholarships

Molly Hennig, a graduate of Luther Preparatory High School, and Grant Halvorson, a graduate of Lakeville South High School, were recently presented with the Citizens Bank Minnesota’s sixteenth annual scholarship awards.  These scholarships are part of the Community Bankers Scholarship Program TM.  Both of these students received a $1,000.00 scholarship that is renewable for a potential value of $4,000.00 over four years of post-secondary education.

Lexi Grathwohl, a graduate of Cathedral High School, and Maria Shea, a graduate of Lakeville North High School, were the recipients of a $500.00 Citizens Bank Minnesota scholarship.  This is something that is offered as a random drawing to all high school seniors from the New Ulm and Lakeville area that completed the Citizens Real Life Skillz online classes.

Each year, Citizens awards two or more high school seniors with scholarships.  The scholarship program was developed to express our belief in the youth and their potential to make a difference in our community. Citizens is proud to invest in their future by promoting education and excellence.

Molly Hennig photo

Molly, daughter of Brian and Grace Hennig, will be attending Martin Luther College this coming fall, pursuing a degree in music and voice.


Grant, son of Chuck Halvorson and Maureen Thielen, will be attending the University of Minnesota – Twin Cities this coming fall, pursuing a degree in environmental engineering.

Lexi Grathwohl

Lexi, daughter of Norman and Lisa Grathwohl, will be attending Southwest Minnesota State University this coming fall, pursuing a degree in exercise science.

Maria Shea

Maria, daughter of Julie and Bill Shea, will be attending Minnesota State University, Mankato this coming fall, pursuing a degree in elementary education.

For more information about the Citizens Bank Minnesota Scholarships Click Here is now

shutterstock_46078138What is .BANK?

.BANK is a new Internet web domain for the banking community! It is directed by banking and leading security experts, and will allow banks to more securely and effectively communicate with their customers. .BANK domains are only sold to verified members of the banking community.

Who can have a .BANK domain?

  • Banks
  • Bank Associations
  • Government Regulators
  • Select Service Providers

Why would a bank secure a .BANK domain?

  • Higher level of security than non-financial domains
  • It will help prevent users from being re-directed to fake bank websites re-direct


Customers who access the bank’s website via the address will be automatically re-directed to the .bank address.

Online Banking:

Currently when you log into your Online Banking, you are re-directed from the Citizens website to This is a secure site from Jack Henry and Associates, our Core Processor, and their web address will remain the same.


For any questions you may have regarding our .bank domain, please call us at 800-549-0194 or email us at

By: Sarah Seifert, Digital Marketing Coordinator

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