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Citizens Bank Review

Citizens Bank is the 15th largest banking institution in the U.S., based on assets, according to data from the Federal Reserve. Founded in 1828, It’s also one of the nation’s oldest banks. Citizens Bank operates primarily along the East Coast, with branches also in the Midwest. The bank offers a full assortment of bank accounts and services and is one of the country’s largest lenders for student loans.

Some Citizens Bank product details, rate and fee information may vary by location. We used the bank’s headquarters in Providence, Rhode Island, for the purposes of this review.

This review focuses on Citizen Bank’s personal banking services. Account details and annual percentage yields (APYs) are accurate as of Oct. 6, 2021.

Account Basics


Citizens Bank offers four checking accounts to meet various customer needs.

One Deposit Checking

One Deposit Checking is a simple checking account with check-writing privileges and a complimentary debit card. The account features a $9.99 monthly maintenance fee, waived with one deposit (of any amount) during the statement period. There are no minimum balance requirements with One Deposit Checking.

Citizens Quest Checking

This interest-bearing checking account currently earns 0.02% APY on all account balances. The account is geared toward customers with linked investment accounts through Citizens Bank. It also comes with relationship benefits, like no fees for out-of-network ATM use (although the ATM owner may still charge a fee) and no fees for personal checks, stop payments, money orders, wire transfers and more.

Citizens Quest Checking carries a $25 monthly fee, waived with either $5,000 total in deposits each statement period or a $25,000 monthly combined deposit and investment balance across linked Citizens Bank accounts.

Citizens Wealth Checking

Citizens Wealth Checking is a premium checking account for individuals who want exclusive banking perks and access to a team of financial professionals. The account has no monthly maintenance fee, but account holders must maintain $200,000 in combined monthly deposit and investment balances to be eligible for Wealth Checking. The primary perks of Citizens Wealth Citizens bank student loan contact number are access to financial planning services and preferred rates on deposit accounts and lending products, in addition to the same perks included with Quest Checking. Currently, Citizens Wealth Checking earns 0.02% APY on all balances.

Student Checking

For customers under 25 years of age, there’s Student Checking. This checking account carries no monthly maintenance fee. You can also use out-of-network ATMs without getting charged fees by Citizens Bank (although the ATM owner may still charge a fee). Another perk included with Student Checking accounts is that there are never any overdraft fees and no fees for available overdraft protection plans.


Similar to checking, Citizens Bank also offers several savings accounts.

One Deposit Savings

This is Citizen Bank’s basic savings account. One Deposit Savings only requires one deposit (of any amount) per statement period to avoid the $4.99 monthly maintenance fee. There’s no monthly fee for account holders under 25 or over 65 years of age.

Unfortunately, the account only earns 0.01% APY, which is on par with most local and regional banks, but much less than you can find with the top online savings accounts.

Citizens Quest Savings

This savings account carries no fee because of its pairing with a Citizens Quest Checking account. This account earns 0.02% APY, so you won’t make much keeping your money with Citizens Bank.

Citizens Wealth Savings

Citizens Wealth Savings accounts pair with Citizens Wealth Checking accounts and carry no monthly fee. As with the checking account, you’ll earn 0.02% APY on all account balances. One other perk you’ll enjoy as a Citizens Wealth customer is up to $10 in refunds for out-of-network ATM fees charged by ATM owners.

Money Market

Citizens Bank offers three money market accounts.

Personal Money Market

Personal Money Market accounts earn 0.01% APY on all balances. The account carries a $10 monthly maintenance fee, which can be waived by keeping a minimum daily balance of at least $2,500. The account comes with a debit card and check-writing privileges.

Citizens Quest Money Market

This is another interest-bearing account you can pair with a Citizens Quest Checking account. There’s no monthly maintenance fee and it enjoys the same benefits as a Citizens Quest customer. The account features a slightly higher interest rate than Citizens’ other deposit accounts at 0.03% APY on all balances. Customers who open a new Citizens Quest Money Market account and fund it with $25,000 in new money from a linked external account earn a preferred rate of 0.05% APY on balances of $25,000 or more.

Citizens Wealth Money Market

This money market account is only available for Citizens Wealth customers and has access to the same perks as other Wealth accounts. The Citizens Wealth Money Market account earns 0.04% APY on all balances. By funding the account with new money not already held in a Citizens Bank account, there is an option to earn a preferred rate of 0.05% APY on balances of $25,000 or more.


Citizens Bank is home to standard certificates of deposit (CDs) available in three terms: 10 months, 14 months and 25 months. According to the bank’s Personal Deposit Account Fees and Features Guide, other CD terms are available, but it’s unclear if this requires applying in person at a local branch. None of its terms offer competitive CD rates compared to online banks.

The online-only 14-month CD pays the same 0.03% APY on all balances and to all customers. Citizens Quest and Citizens Wealth customers earn relationship rates on CDs, currently 0.03% APY on the 10-month CD (the same as the standard rate) and 0.05% on the 25-month CD.

There’s a $1,000 minimum deposit requirement to open any CD.

The bank also offers two other types of CDs—Breakable CDs and IRA CDs. Breakable CDs are available in terms ranging from three months to 60 months and require a $10,000 minimum deposit. This CD type allows you to make a one-time withdrawal of funds without penalty, so long as you maintain the minimum balance requirement. IRA CDs require a $250 minimum deposit and are subject to IRS tax regulations and penalties. They come in multiple terms, ranging from one month to 120 months.

Other Accounts and Services

Besides its personal deposit accounts, Citizens Bank also offers the following financial products and services:

  • IRAs
  • Credit cards
  • Mortgage loans
  • Mortgage refinancing
  • Home Equity Lines of Credit (HELOCs)
  • Auto loans
  • Private student loans
  • Student loan refinancing
  • Investing and wealth management services

Distinguishing Features

Citizens Checkup is a free service offered to all Citizens Bank customers. This free tool connects you with Citizens bankers and advisors who can assess your needs and help develop a long-term financial plan, including saving for retirement. Citizens Checkup appointments are done in person at a local branch or by phone.

Access on the Go

You can manage your Citizens Bank accounts online or through the bank’s mobile app, available on iOS (where it’s rated 4.6 stars out of 5) or Android (rated 4.2 stars out of 5). Citizens bank student loan contact number the app, Citizens Bank customers can:

  • Manage bank accounts
  • Deposit checks
  • Transfer money
  • Pay bills

Current customers can receive support via phone by calling 1-800-922-9999, Monday through Friday, 7 a.m. to 10 p.m. ET, and Saturday and Sunday, 9 a.m. to 6 p.m. ET. To open a new account, you can call 1-800-360-2472 during the same business hours. You can also get assistance through live chat on the bank’s website.

For in-person banking, Citizens Bank operates over 1,000 branches and 2,700 ATMs in select areas across the U.S.


  • Monthly fees for basic citizens bank student loan contact number and checking accounts are easy to waive
  • No overdraft fees on items $5 or less
  • Access to free financial planning services through Citizens Checkup


  • Low rates on interest-bearing deposit accounts
  • Branch locations in only 12 states
  • Some accounts charge a $3 fee for out-of-network ATM use

How Citizens Bank Stacks Up

Citizens Bank is a solid choice for in-person banking for individuals who live in Rhode Island, Massachusetts or any of the 12 states with bank branches. It’s also a good choice for students 25 years and under or individuals 65 years and older because of the waived monthly fees. The regional bank offers several accounts, although many of them are tied to premium banking services and require keeping larger balances.

Citizens Bank’s interest rates are not competitive. If you’re looking for a place to park your funds to maximize savings, you’re better off looking at one of the best online banks.

Frequently Asked Questions (FAQs)

Is Citizens Bank FDIC insured?

Yes, Citizens Bank is FDIC insured (FDIC# 57957). All Citizens Bank accounts are FDIC insured up to $250,000 per depositor, for each account ownership category, in the event of a bank failure.

Which states have Citizens Bank branches?

Citizens Bank has local branches in 12 states, including Connecticut, Delaware, Florida, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island and Vermont.

How do I reach a live person at Citizens Bank?

Citizens Bank phone support is available by calling 1-800-922-9999 (current customers) or 1-800-360-2472 (new customers) during business hours. Current business hours are Monday through Friday, 7 a.m. to 10 p.m. ET and Saturday and Sunday, 9 a.m. to 6 p.m. ET.

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Customer Service

Have a question? When you need us, we’re here and ready to help. As far as we see it, it’s just helping you bank better. Simply reach out to us at one of the numbers below.

Learn more about us.


Citizens One Student Loan Customer Service

1-800-721-3969 for questions about student loans.

Citizens Education Refinance Loan Customer Service

1-888-333-0179 for questions about refinance loans.

Credit Cards

Citizens One Card Services

1-800-747-8155 for questions about credit cards.

Lost or Stolen Cards

1-800-443-0164 (24 hours a day/7 days a week).

Auto Finance

Auto Finance Customer Service

1-877-265-3278 if you are a customer and have questions about auto finance.

Auto Finance Customer Service (For Dealers)

1-800-610-7300 if you are a dealer and have questions about auto finance.

Documents & FAQs

View and download helpful information here.


Citizens Bank Student Loan Refinancing

Based in Providence, Rhode Island, Citizens Financial Group is one of the largest financial institutions in the US and has facilitated over $183 billion in assets.

They offer a nice variety of financial products, including student loan refinancing options for both students and parents.

While there is an annual income minimum of $24,000 a year, applicants aren’t required to be enrolled in school or even have a degree, which is something most lenders require for refinancing student loans.

If you’re an existing Citizens customer, you’ll be eligible for a 0.25% reduction on your interest rate.

Citizens Student Loan Refinance Overview

APR (fixed interest rate)2.97% – 9.15%
APR (variable interest rate)2.24% – 8.90%
Eligible loan typesFederal and Private
Refinance amount$10,000 – $500,000
Repayment terms5, 7, 10, 15, and 20-years
Minimum credit scoreN/A
Lender typeDirect lender
Good for:No degree
Get my rate

Citizens Bank Pros

  • Refinancing for federal and private student loans
  • No degree or enrollment required
  • No origination or prepayment penalties
  • 25% Loyalty discount for existing Citizens Bank customers

Citizens Bank Cons

  • Must have a minimum of $10,000 to refinance
  • Next day funding not available

Application Process

You can get a quote and submit your application for student loan refinancing right from their website.

While it’s not required, applicants have the option to apply with a cosigner to help increase their chances of being approved and securing a better interest rate.

To get started and see what you qualify for, you’ll need to fill out a short online form that will ask the following:

  • Were loans used to fund your education?
  • Highest degree attained
  • Total amount to refinance
  • Total current monthly payments
  • Total current monthly income
  • Residence (own or rent)
  • Monthly rent or mortgage
  • Name and address
  • Social Security Number
  • Contact information

This initial form won’t impact your credit score.

You’ll immediately be presented with a pre-approved interest rate based on the information you provided along with a chart highlighting additional options.

Each option will show the repayment length, interest rate type (variable or fixed), interest rate, APR, monthly payment, total of payments, and the estimated monthly savings.

If you already have an account with Citizens Bank, you can check the box that says “Loyalty Discount” to receive an 0.25% interest rate reduction.

To move forward with your application, you’ll need to submit some additional information, like a pay stub or other proof of income, your monthly housing cost, and the billing statements for the student loan you’re refinancing.

Once you’ve submitted all necessary information and documents, it can take between 10-12 business days to receive funding.

Terms & Requirements

Citizens Bank has similar student loan refinancing requirements as their competitors, but one perk is that applicants can still qualify even without a degree.

Loan Requirements

  • Must have a minimum of $10,000 in student loans to refinance
  • Must be a US citizen, a permanent resident with a valid social security number
  • Applicants with no degree or an Associate’s degree must have made a minimum of 12 payments after leaving school.

Loan Terms

  • APR fixed interest rate of 2.97% – 9.15%.
  • APR variable interest rate of 2.24% – 8.90% APR (Variable Rate).
  • Federal and private student loans are eligible for refinancing.

Repayment Terms

  • Repayment terms are between 5-20 years, which is comparable to other lenders in the industry
  • Deferment and forbearance is available, however, borrowers will need to make 36 consecutive on-time payments after reentering repayment to qualify for release.
Get my rate

Privacy and Security

Citizens Bank has an A+ with the Better Business Bureau and has earned a number of other awards and recognition over the years, including Forbes Best-in-State Bank 2020, Best Place to Work for LGBTQ Equality 2021, and more.

To protect user data and prevent fraud, Citizens Bank has security measures in place required by law. You can also download their free security software to help make your online banking and shopping secure.

Customer Support

You can get in touch with a Citizens Bank representative quickly and easily via their live chat feature. You can also call, email, or visit one of their 1,000 branch locations.

Final Thoughts

Citizens Bank has been around longer than most online lenders offering student loan refinancing, so you can count on them to be a secure and reputable business.

Similar to other lenders, Citizens Bank has a minimum annual income and other requirements for eligibility, but what sets them apart is that you can still qualify even if you aren’t currently enrolled in school or have no degree.

Their website is also very transparent. You can quickly find the information you need, like what their APR range is, what loans qualify for refinancing, and you can apply online without having to visit a branch.

Overall, Citizens Bank is a good choice for student loan refinancing whether you have citizens bank student loan contact number degree or not, and if you already have an account with them, you can receive a loyalty discount as an added perk.


One Citizens Plaza


RI 02903


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Jessica Cotzin Jessica Cotzin
Jessica Cotzin is a writer and the Lendstart authority on small businesses and personal loans. She has been writing about personal finance and the loans industry for a number of years, and holds a bachelor’s degree in journalism from Florida Atlantic University.

This review is based on the writer's personal opinion.


Citizens Bank Loans Review [2021]: Options for Just About Every Need

Whether you’re looking to refinance your home, buy your first one, or get funding for school, you want to go with a reputable lender that will offer you a good rate and repayment terms. This means shopping around and doing your homework to see which lender can provide the best possible financing.

Founded in 1828, Citizens Bank is one of many traditional banks you may have in your own backyard. You’ll find locations mostly in the Northeast and Midwest. However, you can get a loan from this bank if you live anywhere in the U.S. Here is what this bank is all about and everything you need to know about how to get a loan before deciding to apply with Citizens.   

An overview of Citizens Bank

Citizens Bank dates back to 1828, making it one of the oldest financial institutions in the U.S. It has since undergone substantial change and growth, and is now a part of Citizens Financial Group, which is headquartered in Providence, Rhode Island. It currently has working branches in 11 states throughout New England, the Mid-Atlantic region, and the Midwest.

The bank’s guiding vision is to help customers succeed because that’s the only way Citizens Bank will succeed. The financial crisis of the late 2010s helped it refocus this mission to become stronger for its commercial and consumer banking customers. This involved divesting from some areas and investing in others to streamline the business for better efficiency and service.

Which loan products does Citizens Bank offer?

Citizens Bank offers several types of loans, including flexible personal loans. It also offers student loans for graduate and undergraduate coursework, parent loans, and refinancing options for existing student loans.

If you’re looking to buy a home, Citizens offers mortgages as well. And for those who already have a home, it offers home equity lines of credit, loans, and refinancing of existing mortgages. Here is a closer look at each of these types of products.

Personal loans with Citizens Bank

Personal loans are very popular right now, and Citizens Bank offers them for specific purposes, such as debt consolidation, home improvements/renovations, weddings and other major events, engagement rings and recreational vehicles financing, and some other options. The bank offers personal loans between $5,000 and $15,000 for three- to seven-year terms. Interest rates vary between 7.99% and 20.89% (as of July 23, 2021).

A personal loan from this bank may be right for you if you have what Citizens Bank defines as a “reasonably strong” credit rating and make at least $24,000 a year. You don’t have to live in one of the 11 states Citizens Bank does business in to qualify for a personal loan, as it will be issued through Citizens One, the lending business for Citizens Financial Group. Other eligibility requirements include being a U.S. citizen or permanent resident living within one of the 50 states; having a Social Security number; and having reached the age of majority for the state in which you live.

There are no fees associated with a Citizens Bank personal loan, including late, application, or prepayment fees. You can request a rate check before submitting an application. This will result in a soft inquiry on your credit reports, which won’t impact your score. Taking this step will give you an idea of what kind of loan offer you could get if you submit a full application.

Student loans/refinancing with Citizens Bank

If you need a student loan for undergraduate or graduate work, are a parent who wants to take out a student loan for a dependent, or have existing loans you want to refinance, Citizens Bank has some options for you.

Undergraduate loans

Citizens Bank offers private student loans for undergraduate study at both fixed and variable rates. Fixed rates range from 3.23% to 10.83% APR (as of Nov. 23, 2021). You can apply for a one-time loan or one that will cover your education costs over several years and up to the maximum amount you qualify for.

Undergraduate loans range between $1,000 and $150,000, depending on eligibility, and can be paid back over five- 10- or 15-year terms. Repayment options include paying on the interest while in school or deferring payments until after graduation.

Students may apply with or without a cosigner, at least one of which must be a U.S. citizen or permanent resident. Citizens Bank looks for applicants with good credit and who will be enrolled at least half time at an eligible school.

Parent loans

Parent loans are designed to help pay for a dependent’s education, but not put the loan in a student’s name or repayment on their shoulders. These loans look very similar to the student loans detailed above. You can choose from fixed or variable rates for funding one or multiple years of school. Fixed rates are offered between 4.55% to 7.58% APR (as of Nov. 23, 2021).

Loans can be approved for as little as $1,000 and as much as $350,000, with repayment terms of five or 10 years. Interest-only payments are available while the student is in school. To be eligible for a parent loan, the applicant must be a parent or sponsor who is a U.S. citizen or permanent resident with a student who is enrolled in an eligible school at least half time.

Graduate loans

If you’re looking for help paying for graduate school programs, such as law or medical school, business school programs, medical residencies, or help while studying for the bar, a Citizens Bank graduate student loan may be able to help. As with undergraduate loans, you can choose from fixed or variable rate options and apply for one or multiple years-worth of funding. APRs are between 4.64% and 10.95% for fixed rates (as of Nov. 23, 2021).

There are different borrowing maximums for different programs, but all have a minimum of $1,000. Maximums include $225,000 for MBA and Law degrees; $180,000 to $350,000 for medical or healthcare degrees; and up to $150,000 for other graduate degrees. Repayment terms are offered for five, 10, or 15 years. You can make interest-only payments while in school or defer payments until after graduation. The same eligibility requirements for undergraduate loans apply here, plus you should have no student loan defaults on your credit report.


Both parents and students can apply to refinance existing student loans through Citizens Bank. Whether you have one or many government or private loans, want to move an existing loan into your name only, are looking to get your loans into edmond melvin haapaniemi citizens bank student loan contact number monthly payment, lower your payments, or even get a lower interest rate, there are solutions here to look into.

Again, Citizens Bank offers fixed and variable rate options: 2.44% to 7.83% APR for fixed loans and 1.99% to 7.58% for variable-rate loans (as of Nov. 23, 2021). The rate options are even lower when parents apply for refinancing. Applicants must be U.S. citizens or permanent residents, have a Social Security number, and be refinancing at least $10,000.

For students looking to refinance, you have to have earned a degree of bachelor’s or above. If you have an associate degree or no degree, you will have to show you’ve made at least 12 payments on your loans after leaving school. The maximum amount you can refinance is $300,000 for undergraduate and $500,000 for graduate programs.

Parents who want to refinance have to be the primary borrower or cosigner on the existing loans. The maximum amount you can refinance is $500,000 regardless of degree type. For both types of borrowers, repayment terms can be for five, seven, 10, 15, or 20 years.

Home loans and refinancing with Citizens Bank

Existing and prospective homeowners can find financing and refinancing solutions with Citizens Bank. Both fixed and adjustable-rate options are available to applicants. The Citizens Bank website offers a handy rate check tool that gives you estimates for both types of rates for several types of terms. However, these rates are based on someone who has an excellent credit score and history, so make sure to check where you’re at before evaluating the numbers.

If you’re looking to get a mortgage for the purchase of a home, Citizens Bank recommends applying for a prequalification. This allows you to shop within a realistic budget and make an offer knowing that you have the money you need available to you. After your offer is accepted, you can move forward with your full loan application and closing.

For those who want to refinance an existing mortgage, the bank recommends citizens bank student loan contact number directly with a loan officer to go through the specifics of the situation and what they’re looking to accomplish by refinancing. Generally, refinancing is a good idea if you want to remove someone’s name from your mortgage, want to lower your interest or monthly payments, get some money based on your home’s equity, or change your repayment terms.

Once you’ve decided to move forward with the refinance, Citizens Bank will walk you through the remaining steps citizens bank student loan contact number through closing.

Home equity lines of credit and loans with Citizens Bank

Got equity? Want to cash it out? You can do just that with either a Citizens Bank home equity line of credit (HELOC) or home equity loan. A HELOC is a line of credit that is based on the equity in your home and available for you to tap into as needed during a 10-year draw period. This means you can borrow money from that line during the draw period for emergency expenses, renovations, financing education, debt consolidation, and many other purposes.

During the draw period, you can pay on the interest only or both the interest and principal. After the draw period, you have a 15-year repayment period that will require payments to both interest and principle. Citizens Bank HELOCs have variable interest rates that start at 3.00% APR (as of Nov. 23, 2021). The website provides a tool to help you calculate how much you may be able to get with a HELOC and recommends “strong creditworthiness” to get the best rate.

If you’re looking for a home equity loan, you can apply to borrow a lump sum up to the value of the equity in your home. Interest for these loans is at a fixed rate that varies depending on how much you borrow. The lowest APR is 3.00% (as of Nov. 23, 2021). Repayment terms can be 10, 15, or 20 years.

Funds from a home equity loan can be used for the same purposes as a HELOC, such as debt consolidation or a large purchase. You can get a home equity loan if you have an existing mortgage, HELOC, or lien on your property, but can’t use the loan to pay them off. Citizens Bank doesn’t offer any information about what kind of credit score is needed for a home equity loan. However, Experian recommends at least a 700 FICO score and 20% or more equity in your home for the best chance at approval.

What Citizens Bank customers are saying

Online customer reviews of Citizens Bank are overwhelmingly negative, though many sources have a small number of comments to draw from.

The bank’s profile with the Better Business Bureau is listed under the parent company, Citizens Financial Group. An average of 125 customer reviews leaves this profile with one star out of five. Negative comments focus mostly on mistakes with checking or savings accounts, customer service, and too much time to fix errors. There are also 761 customer complaints filed, most unrelated to lending products and mostly with some kind of resolution.

Trustpilot gives Citizens Bank a TrustScore of 2.8 out of 5, but the three customer reviews on the site have to do with personal account issues. shows 72 customer reviews within the past year that average out to a score of one star out of five. Most of the negative comments focus on customer service experiences, issues getting documentation after a loan is paid off, and additional fees being charged.

Credit Karma is the only site I found that had mostly positive reviews for Citizens Bank. They give the bank five out of five stars overall, 4.5 stars for the application process, and 4.5 stars for customer service.

FAQs about Citizens Bank

Where is Citizens Bank located?

Citizens Bank is headquartered in Providence, Rhode Island. It has branches and provides services to customers in Rhode Island, Massachusetts, Connecticut, New Hampshire, New York, New Jersey, Michigan, Delaware, Vermont, Ohio, and Pennsylvania.

Can I get a loan from Citizens Bank?

Citizens Bank offers many types of loans to people within the states it services. If you live in a state outside of its service area, you may be able to get a loan through Citizens One, which is the lending business of Citizens Financial Group. Citizens One provides loan products outside of the regions in which Citizens Bank does business. You don’t have to be an existing customer or account holder to borrow from Citizens Bank.

How do I pay my Citizens Bank student loan?

Citizens Bank services its student loans using Firstmark Services. Through the Firstmark Services tools, you can make payments to your loan, set up automatic payments, access loan details and account information, find receipts for payments made, and locate detailed instructions for making payments.

You can also request payments be automatically drawn from your checking or savings account; make payments by phone at 888-538-7378; or mail payments to this address:

Citizens Bank
Firstmark Services
PO Box 2977
Omaha, Nebraska 68103-2977

Is Citizens One the same as Citizens Bank?

Citizens One and Citizens Bank are both owned by Citizens Financial Group. Citizens One is the bank’s lending business that operates outside of the 11 states that Citizens Bank services. You’ll find Citizens Bank branches and services in Rhode Island, Massachusetts, Connecticut, New Hampshire, New York, Delaware, New Jersey, Michigan, Vermont, Ohio, and Pennsylvania.

The final word on Citizens Bank

Citizens Bank has a decent profile if you have good credit and make a modest annual income. However, there is nothing striking that stands out for this lender as particularly noteworthy or advantageous for you, the borrower. And despite the negative reviews that can be found online, the bank appears to have a solid history of financial performance and customer service.

Submitting your information for a rate check won’t cost you anything, so it’s at least worth going that far to see whether Citizens can offer you a good deal for a loan. Then check out other lenders that can also provide a rate check that won’t impact your credit score before making any decisions. If Citizens Bank comes back as the best, then you may have found a winner.

*Disclaimer - All rates and fees are accurate as of July 23, 2021.

Author Details

Robin Kavanagh

Robin Kavanagh Robin is a freelance writer who lives on the South Carolina beach. She has spent the last 20 years writing about all kinds of topics for publications such as The New York Times, Yes! Magazine, Next Tribe, Parenting, and various trade magazines. On, you’ll find her mostly writing about smart ways to use credit cards, navigating personal loans, how to save when traveling, and ways to improve your financial health.

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Contact of Citizens Bank customer service (phone, email)

Find below customer service details of Citizens Bank, US, including phone and email. Besides contact details, the page also offers a brief overview of the banking company.

Head Office
1 Citizens Plaza Providence,
RI 02903, United States

Customer Service
Phone: 1-800-922-9999
Phone: 1-877-360-2472
Phone: 1-800-428-7463 (business banking)
Phone: 1-877-670-4100 (mobile banking)
Phone: 1-888-333-5145 (credit cards)
Email: [email protected] (dispute a claim)

About Citizens Bank
Citizens Bank is an American financial service institution that traces its history back to the 18th citizens bank student loan contact number when it was established as the High Street Bank. With annual revenue of more than $6bn, the bank is the 13th largest retail bank in the US, and operates as a subsidiary of The Royal Bank of Scotland Group. Founded in 1828, Citizens has its headquarters at Providence, Rhode Island. It’s network spans more than 1,100 branches and 2,900 ATMs spread across 11 states in the New England, Mid-Atlantic and Midwest regions. Part of Citizens Financial Group, the bank offers a broad range of retail and commercial banking products and services to individuals, small businesses and large corporations.

While consumer banking products include accounts, credit cards, loans and wealth management, under commercial banking you have wholesale banking products and services, deposits, loans, treasury services and capital markets. To open a new account you can place a request on the Citizens Bank website or visit any nearest branch. You can locate a branch or ATM online by entering the zip code, city or state.

For an overview of the banking products, you have checking accounts (Student Checking, One Deposit Checking, Citizens Bank Platinum Checking, Citizens Bank Platinum Plus Checking), savings account (One Deposit Savings, Citizens Bank Platinum Savings, CollegeSaver, Platinum Plus Savings), and Certificates of Deposit (CDs). There are also options under credit cards, with no annual fee, 24/7 online account management and 21-day grace period on all purchases. Card holders enjoy zero liability protection, meaning you wont be held responsible for unauthorized transactions anywhere in the world.

Banking customers enjoy access to Internet and Mobile Banking so you can conveniently perform a number of actions mostly done at a branch. You can transfer funds, download statement, pay bills and much more. Online Banking users also have access to deposit accounts, loans and credit cards. You can use Zelle to send money directly to any bank account in the US within minutes by just an email address or US phone number.

For other products, Citizens Bank provides loans for those planning on a new home, or refinancing needed for their mortgage. There are tools available to calculate mortgage payment or estimate personal loan terms. Students who need a new loan to fund their school will find a number of graduate and undergraduate student loans. Students can complete the online application to get started. The application will ask for details of course, credit history and ask you to choose a fixed or variate rate, along with long term. Students along with cosigner can sign and submit loan documents online without having to visit a branch. For repayment, you can choose from 5, 10 and 15-year terms. Existing loan holders can lower their student loan payments by going for refinancing. You can speak to the bank’s student lending advisor for help.

The range of banking accounts, loans and credit cards vary for commercial banking users. You can know the details, along with rates/fees on the Citizens Bank website. For complaints or queries on branch locations, credit card payment, cancellation, career, or others, reach the Citizens Bank support.

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Citizens Bank Review

Who Is Citizens Bank For?

Citizens Bank should appeal to most banking consumers who want a traditional banking experience. It may be a good option for people who want to:

  • Bank at a traditional brick-and-mortar location
  • Access loan services such as student loans, home loans, or personal loans
  • Access wealth management and investment services
  • Have 24-hour online banking access

What Does Citizens Bank Offer?

Citizens Bank offers the following types of accounts:

Checking Accounts

All of Citizens Bank’s checking accounts carry a fee. And all these fees can be waived if you meet specific requirements. It’s a good idea to understand the fee structure for each account so that you don’t end up getting dinged with maintenance fees. After all, even a maintenance fee of just $9.99 a month can add up to $119.88 a year.

Checking Accounts
Type of Checking AccountMonthly Maintenance FeeTerms to Waive FeeAPY
Student Checking AccountNo fee before age 25Be under age 25No APY
One Deposit Checking$9.99One deposit each statement periodNo APY
Citizens Quest Checking$25$25,000 deposit across all accounts.02% 
Citizens Wealth Checking$25$25,000 deposit across all accounts and $5,000 deposits in your checking account, or an average balance in your checking account of $10,000.02% 

Brick and mortar institutions like Citizens Bank have much lower or even nonexistent interest rates compared to their online-only competitors. They also tend to have higher fees. This is because there are a lot of overhead expenses in maintaining the building and staff for brick and mortar banks. 

Savings Accounts

Citizens Bank offers several savings accounts, some of them have monthly maintenance fees while others don’t.

Savings Accounts
Type of Savings AccountMonthly FeeTerms to Avoid FeeAPY
One Deposit Savings$4.994 months waived, then at least one monthly deposit required.01%
Quest Savings$0Maintain Quest Checking account.02% 
Wealth Savings$0Maintain Wealth Checking account.02% 

If you are looking for a more competitive rate on your savings account, then you may want to consider putting your money into an online bank instead of a brick-and-mortar branch. Typically, online banks offer higher interest rates on its savings accounts.

Certificates of Deposit

There are three different CDs available at Citizens Bank: an online-only 14-month CD, a 10-month CD, and a 25-month CD.

Certificates of Deposit
CD TypeMinimum Balance to OpenAPYAPY With Quest Checking
Online-only 14-month$1,000.05%N/A

These CDs have rates that could be described as "anemic." If you want to earn more, see our list of the best CD rates and you’ll find many banks (particularly online-only banks) offering better rates.

Money Market Accounts

Like its other products, Citizens Bank gives the biggest perks to those who have Quest and Wealth checking accounts. But there is also a Personal Money Market Account which you can open without having a Quest or Wealth checking account.

Money Market Accounts
Type of Money MarketMinimum Balance to OpenStandard APYType of Account Required
Personal Money MarketAny amount.01%N/A
Citizens Bank Quest (Standard) Money MarketAny amount.03% balances up to $3m+Quest Checking
Citizens Bank Quest (Preferred) Money Market$25,000 not currently on deposit with Citizens Bank.05% on balances $25k+Quest Checking or $25,000 of new deposits

Credit Cards

Citizen Bank offers two separate cards, one that has a cash-back program and one that has a slightly better interest rate. Neither card charges an annual fee.

  • Citizens Bank Cash Back Plus World Mastercard
  • Citizens Bank Clear Value Mastercard

If you are disciplined about paying off your credit cards every month, then the Citizens Bank Cash Back Plus World Mastercard has a flat-rate cash-back program that is easy to understand and is competitive with other cash-back cards.

Other Financial Products From Citizens Bank

  • Personal loans
  • Home loans and lines of credit
  • Mortgage refinancing
  • Student loans and refinancing
  • Investing and insurance
  • Retirement planning
  • Wealth management
  • Business banking

Citizens Bank Customer Service

Citizens Bank offers customer service for customers of its consumer accounts via phone (M-F 7 a.m. to 10 p.m. and weekends 9 a.m. to 6 p.m.), and via its mobile app. Customers can also visit one of its brick-and-mortar branches.

In the 2020 J.D. Power Customer Satisfaction Survey of Regional Banks, Citizens Bank received a score of 804 out of 1,000 in the North Central region. The average was 827.

How to Bank With Citizens Bank

You can open the Citizens Bank account at any branch location or online at any of the specific account pages.

Here’s what you’ll need to open the account:

  • Social Security number
  • Driver’s license or state ID number
  • A way to fund your deposit (check or debit card)
Final Verdict


In our review, we found Citizens Bank to be a great choice for anyone who wants a personal and in-person banking experience. It offers all of the traditional banking services such as checking accounts, savings accounts, and loan services. With an easy-to-navigate site and app, you’ll be able to find all the information you need easily.


Compared to online-only banks, Citizens Bank’s interest rates are quite low. If you want higher rates of return on your savings and checking accounts—and don't mind sacrificing the in-person service experience—then an online-only bank may be right for you.

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .


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