About Citizens Bank

Citizens Financial Group, Inc. is a $160 billion commercial bank holding company. It is headquartered in Providence, R.I., and, through its subsidiaries, has more than 1,600 branches, more than 3,500 ATMs and more than 24,000 employees. ts two bank subsidiaries are RBS Citizens, N.A. and Citizens Bank of Pennsylvania. They operate a 13-state branch network under the Citizens Bank brand in Connecticut, Delaware, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island and Vermont, and
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Overall Rating

MyBankTracker rated Citizens Bank based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank.

B

MyBankTracker Rating

Customer Rating
Based on 209 Reviews
Financial Health
Based on Texas Ratio: 9.94
Bank Fees
vs. Average
Bank Rates
vs. Average
Number of Locations
vs. Similar Institutions
Mobile Deposits
Mobile Deposits
Mobile Banking
Quality of Mobile Services

Locations & Hours

Citizens Bank Location Map
Citizens Bank Location Map
We found branches close to you and 65 nationwide.
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Most Helpful Customer Reviews

evanlandry's Profile Image

Reviewed by evanlandry

Jan 28th 2014

4 out of 5 marks

Nice people

I'm surprised this bank's review average isn't higher, because I've always had good experiences. Congenial staff, good banking. I don't bother keeping a savings account there because the rates are so low, but I haven't seen a savings account in the country over 1% APY, so it's not just an issue with this bank.

Checking services are great, good website, decent infrastructure. The website gets taken down for maintenance more frequently than it should in my opinion, but the auto bill pay feature is superb.

And for a $6.99 monthly fee (which is optional- you can get free checking if you want) you can get Greensense which pays you $0.10 per electronic transaction. With as many transactions as we do every month, we always turn a profit of at least $3-5 per month.

Is this review helpful? ▲ Yes 2 ▼ No 2

lacinda68's Profile Image

Reviewed by lacinda68

Apr 30th 2014

4 out of 5 marks

Just okay -- not spectacular.

Citizens has a varied portfolio of banking products that are standard but nothing really that is outstanding. Their rates and fees are competitive and I would recommend Citizens for your primary bank.

Is this review helpful? ▲ Yes 1 ▼ No 1

CFowler's Profile Image

Reviewed by CFowler

Feb 8th 2014

4 out of 5 marks

Outstanding customer service

I found myself scrambling to get some documents reviewed, notarized, and mailed out today. I walked into the bank with my 2 year old son and was promptly taken into Mr. Melon's office. While signing the paperwork and dealing with my toddler tearing his office apart we got to talking about the economics of mortgages, loans, and modifications to them. By the time I left Mr. Melon's office I was educated on subjects I needed help understanding. This exceptional service allowed me to feel confident during my personal financial decisions.

As a business woman in a customer service profession, I realize we are expected to be honest and ethical in all that we do. As a customer, I realize how crucial this is and how vulnerable we are to unethical companies and professionals. During my visit with Mr. Melon he went up and beyond delivering exceptional customer service.

This type of role model service should not go without recognition. I am writing today to deliver you my experience as a Citizens Bank customer. I feel reassured, confident, and trust with all my banking needs at Citizens Bank.

Is this review helpful? ▲ Yes 1 ▼ No 1

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Bank Rates

NAME RATE (APY) MIN TO EARN APY Min Deposit
Personal Savings

0.03%

$0

$25

NAME RATE (APY) MIN TO EARN APY Min Deposit
Personal Money Market

0.03%

$0

$2,500

NAME RATE (APY) MIN TO EARN APY Min Deposit
Circle Gold Checking with Interest

0.02%

$0

$250

Personal Checking with Interest

0.01%

$0

$50

NAME RATE POINTS FEES
30 Year Fixed

4.00%

0

N/A

15 Year Fixed

3.625%

0

N/A

NAME RATE POINTS FEES
7/1 ARM

3.50%

0

N/A

5/1 ARM

3.125%

0

N/A

3/1 ARM

2.875%

0

N/A

TERM RATE (APY) Min Deposit
24 Month CD

0.25%

$1,000

60 Month CD

0.25%

$1,000

Banking Fees

Type Fee National average
Monthly Inactivity

$10

after 12 months of no activity

$7

Non-Sufficient Fund (Overdraft)

$35

$30

Stop Payment item

$35

$27

Return Deposit

$20

$13

Domestic Wire Transfer (Outbound)

$30

$22

Domestic Wire Transfer (Inbound)

$18

$9

Non-Bank ATM

$3

$1