Switch to CIB
Switching banks doesn't have to be complicated. Follow the steps below to move your banking relationship to Citizens Independent Bank. We'll help make the process as smooth as possible.
3 Easy Steps:
Step 1: Open Your New CIB Account
The first step is opening your new Citizens Independent Bank account.
How to Get Started
- Apply online in minutes.
- Visit your local CIB branch and work directly with a banker.
- Fund your new account and begin using your new account number.
Once your account is open, you'll be ready to move your direct deposits and automatic payments.
Step 2: Switch Your Direct Deposits & Automatic Payments
Now it's time to update where your money comes from and where it goes.
Information You'll Need
CIB Routing Number: 091016566
You'll also need your new CIB account number.
Step 2a: Update Your Direct Deposits
Payroll or Employer Direct Deposit
- If your employer provides an employee self-service portal, update your banking information there.
- If your employer requires documentation, use our Direct Deposit Authorization Change Form and provide it to your payroll department.
Social Security Benefits
Update your direct deposit information through:
- www.ssa.gov/myaccount
- Social Security Administration: 1-800-772-1213
Pension or Retirement Payments
Contact your pension provider or retirement plan administrator and request a direct deposit update form. Many providers allow banking changes through their online portals.
VA Benefits
Update your banking information through the U.S. Department of Veterans Affairs website or by contacting your VA representative.
Child Support Payments
Contact your county or state child support agency to update your direct deposit information.
Other Direct Deposits
Don't forget to update:
- Annuity payments
- Investment distributions
- Government benefit payments
- Tax refunds
- Dividend or trust distributions
- Other recurring deposits
Need a Form?
We recommend using the Notification of Direct Deposit Authorization Change Form to notify employers and benefit providers of your new account information.
Step 2b: Update Automatic Payments & Withdrawals
Take time to review your recent statements and online banking activity to identify recurring payments tied to your old account.
Common Automatic Payments to Update:
- Utility bills (electric, gas, water)
- Mobile phone payments
- Internet and Wi-Fi services
- Streaming subscriptions
- Gym memberships
- Insurance premiums
- Credit card payments
- Mortgage or rent payments
- Student loans
- Auto loans
- Child support payments
- Membership dues
- Software subscriptions
- Online shopping subscriptions
- Automatic savings transfers
Step 3: Close Your Old Account
Before closing your previous account, make sure:
- All direct deposits have been redirected
- All automatic payments have been updated
- Outstanding checks have cleared
- Your new account is working properly
How to Close Your Old Account
- Visit your former bank's website and locate their account closure form.
- Contact your former bank directly for closure instructions.
- Visit a branch location if an in-person request is required.
Important Tip
Consider keeping your old account open for a few weeks during the transition to ensure all deposits and automatic withdrawals have successfully moved to your new CIB account.
Need Help?
Questions during the switch process? Our team is here to help. Whether you're updating direct deposits, tracking down automatic payments, or completing account forms, we'll guide you every step of the way.
We provide personal banking, business banking, mortgage lending, and financial services to businesses and individuals across the western Twin Cities. Explore our local banking locations in Saint Louis Park, Robbinsdale, Hopkins, and Plymouth to find the branch most convenient for you.