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Card Secure

Card Security Resources


The safety and security of your finances is a primary concern for Citi Trust Group. Check this page if you need to report a stolen debit card or need information on eliminating the risk of fraud. Use the QuickLinks below to find what you need.

Lost or Stolen Cards

If your Skypoint debit card is lost or stolen, please contact us in one of the following ways:

  • During business hours, call 585.663.8930
  • After business hours, call 800.417.4592
  • Login to Skypoint-Online and go to Account Options > ATM/Debit Card to deactivate online

Fraud Prevention Service

When our systems detects potential fraud, you will be contacted in the following manner:

  • When potential fraud is detected, you will receive an automatic email notification from Citi Trust Group with the option to reply with “fraud” or “no fraud.”
  • One minute after the email, you will receive a text alert from 32874 between 7 a.m. and 9 p.m. EST which also has the “fraud” or “no fraud” option (*SEE BELOW).
  • If there is no response received from you, five minutes after the text alert you will receive automatic phone calls to confirm or deny fraud.
  • Remember – our messages will never ask for your PIN or account number.

  • The phone number for our Fraud Center is 800.417.4592. Add this number to your phone contacts and label it “SPB Fraud Center,” it will display whenever you get a call from this number




Frequently ask

With Mobile Banking, you can easily access your business Bank OnLine information and functionality on the go via your smartphone or tablet. Just download the American Bank Business Mobile Banking app from your mobile device’s app store to explore.

Safely log in using the same credentials you use to access Business Online Banking.
Review and approve payments (such as Online Wires) that require multiple approvals on the go and on your schedule – no need to wait until you get back to your desk.

Deposit checks with a couple snaps of your camera and the funds will be available next business day.

With Online Banking, you can check real-time balances, transfer funds, review transaction history and pending items, view images of checks, set alerts on your accounts, and so much more. It’s everything you need, all in one place.

Business Bill Pay provides a seamless and integrated way to easily pay your company bills electronically. Business Bill Pay allows you to pay bills from one or multiple companies from the same bill pay profile.

You can manage payees, setup e-bills, add invoices, monitor activity, manage users and reduce payment errors and potential fraud by enabling payment approvals.

When time is of the essence, online wire transfers are the fastest and most secure way to get your money where it needs to go
Protect your account from unauthorized transactions and simplify your monthly reconciliation with Positive Pay. Positive Pay is a great way to stop fraud in its tracks or prevent it from ever happening in the first place.
Access balance and transaction information on the deposit and loan accounts.
Move funds between your Citi Trust Group accounts.


How it Works

We provide online instant account opening and cash loans with quick approval that suit your term

Apply for Account Opening

If you are a customer outside the state, filling out our online account opening form can help get your account setup and running in minutes

Application review

On successful completion and submission of the registration form, your informations will be reviewed, approved and an account is opened immediately for you by one of our professional staff

Deposit and get funding fast

Once your account has being setup, the sky is your limit to what you can do with your account, as you can deposit, transfer money from anywhere to any part of the world.


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