Citizens Bank Locations in Your Area

I'd like to say that Citizens Bank should change it's name to "The last choice bank" for one main reason: it has nothing in common with humanism. When you're stepping into the branch as a potential new customer they are smiling and giving you colorful suckers. Sadly, but right after signing an agreement there are no humanity any more. I just had a case with them and I'd like to write them directly just because I think that publicity gonna kill this bank. Looks like they have some financial problems...
Anyway, better be aware of this bank. There are better options for sure.

My husband and I have been banking with Citizens for many years . I never write reviews but i am so disgusted with how this bank charges and takes fees from our accounts.this has happened many of times where this has happened. I am disgusted with how this bank charges overdraft fees and takes money from their customers. I had two overdraft fees taken out of my account when there was no overdraft on my account and when you call or send a message they respond with there is nothing they can do. they would like to to help but since they have allowed a reversal once already there is nothing they can do. there was no need for this overdraft as again no negative activity on my account and nothing was done. I am disgusted the way the bank posts charges on accounts so they can collect these fees. i check my account multiple times a day to make sure there is no issues. Horrible service .

I swear on my life, one of my bankers used my account for their pleasure. You are supposed to be able to trust your bank despite them knowing your account and card numbers. I got a monthly charge from something I did not subscribe to and every time I went to check my account in the aftermath, the charge disappeared, however, the money was not returned to my account. I am extremely certain that one of the bankers changed my account information so I wouldn't notice that charge, but I did anyway. I also checked online and there were times where they made it seem like there was more money in my account than they're actually was. I tested their ATM to see if all of that money would come out and lo and behold, the money that wasn't mine DID IN FACT come out. I withdrew the money that I knew was mine, and still got an overdraft fee. I have been a loyal customer of theirs for almost 5 years and I have had about enough of their schemes. I am now with PNC and I could not have chosen a better bank. CLOSE YOUR ACCOUNT NOW IF YOU USE CITIZENS. Absolutely nobody deserves to go through this mischief. This bank doesn't even deserve one star in a rating.

Sent check at the end of Dec. to pay off credit card in full. Also sent checks to Wells Fargo & Cap 1 to pay off those cards. Cap 1 & Wells Fargo processed card payment in timely manner & no problems. Citizens Bank sat on the payment making it late. They dropped the late fee but now have sent me a letter reducing my line of credit because of the late payment. Wasn't going to use the card again anyway but now I'm closing all accounts with them. Checking, savings & credit cards, Their business practices are idiotic. Rude customer service reps as well.

I am a student with great ambition and small funds. On Thursday, August 26, 2016 I checked my Checking account with Citizens and had around $550. I then woke the next morning and checked my account to see someone had skimmed my debit information and spent $644.07 at the Nike Factory Store in Locust Grove, GA. Upon calling Citizens to speak about the issue I was informed that all they could do was send me a new card until the merchant released the funds from being on hold. A customer service rep tonight informed me that I could have had the bank speak with the merchant about releasing the funds or cancelling the transaction. This would have expedited the process, and instead I was left to wait thorugh the weekend until today, Tuesday, August 30, 2016. I filed a claim, and was told that I would have to wait ten business days until I was able to speak with someone from the claims department about crediting the stolen money to my account. Yet my account is advertised as having ZERO LIABILITY FOR UNAUTHORIZED PURCHASES. Well, every day that I do not have any funds in my account and am forced to borrow from friends and dip into my savings I am taking liability. I believe this bank has been completely misleading about their fraud protection programs and have not been able to get an effective timely response to this issue.

They are criminal in their negligence and rude in their ridicule. Three times I've had to speak to a manager today and the third one was argumentative and completely dismissive. I would wonder how the employees of this bank sleep at night, but they're all such poor excuses for human scum that it's not worth sparing a thought on any of them.

Stay away from any dealings with Citizens. I have had a CD with paper statement for a money market account. I was told I was required to have a checking account to have the money market rates...fine. Well after a while I was hit with inactivity/ dormant account fees. I called customer service and the fees where refunded. I was advised by the bank that If I set up Electronic statements, I would not be assets these fees in the future. I was called at home by representatives multiple time to update my account to a higher interest rates on my returns;
Mistake #1, Seeing this was used as a CD equal account and I would not be assessed fees, I did not check my monthly statements; Mistake #2. Well I started doing my taxes and noticed I did not receive a 1099 int form. I email customer. service and was notifed I did not earn enough interest...hmmm how can this be with a large deposit. I checked my monthly statements and noticed a 5.00 service charge for required checking and 5.00 fee for money market $10 per month. Also I noticed that they lowered my interest rate to 0% for checking and 0.01% for a money market. and a total of 90.00 in fees over the past year. I actually lost money on setting up a savings -money market account with this bank.
Well I just got off the phone with customer service- over a hour on the phone between waiting on hold and being transferred to a supervisor. Well after telling me the best they can do is only reimburse $45. and trying to set me up with a financial advisor spoke with supervisor Jay D. out of the R.I. office (he would not give me his last name).They had no comment on decreasing my interest rates, and added fees which I was told would not be assessed with a E Statement account. Mistake #3 not getting in writing - money rates.
Well needless to say I am never going to do business with this financial bank again.I have used 5 different local banks and have never had a problem with them. I plan on withdrawing all my money from citzens in the am and advise anyone to stay away from this bank...be warned

IN-competent employees!!! Terrible Policies and rules which do not make sense. It actually deserves "ZERO" star!!!
I have a few CDs are going to mature one by one in few weeks. And, I have a checking account with them. I went to the bank in person to ask them to roll the going-to matured CDs to my checking account when it is matured. NO! They said that they can NOT do it. According to their "POLICY", I have to go in in person when each CD matured to "CLOSE" each CD account "in person". After protest, the rep called manager unwillingly. And, I was told that I could write a letter to them and saying that I wanted to roll the CDs to checking after CDs matured. But, Watch this: Their policy says that I could not just write the letter in front of them even though they have checked my IDs and verified my identity. According to their "POLICY", I have to take the letter to another place to have it notarized that I am the one who wrote and sign the letter. And, that is NOT all. I can NOT submit this letter to them in person. I have to go to the POST OFFICE and MAIL it to them. ONLY doing that, they will maybe consider to honor my request. They said that that is doing me a FAVOR.... And, how about the CD that was matured today??? Oh, she said "you do not have a CD matured today." That one is already auto renewed for another year+ and that is going to mature at 2017 with interest rate 0.03%!!! After protest, another employee came out and told this incompetent employee that since it is within 10 days grace period, she could cancel the new CD and issue me a check. Did you see the conflict here? First, she told me that I have to come in in person after each CD matured to close the account. But, when I was actually there for the CD that is matured at that day, the CD has been renewed!!! And, if I did not protest, I would not get my money out. They are trying to hijack my money. Few weeks ago, they told me to go in in person to get a better deposit rate for they could not give out on the phone. NO, they do not have a better CD rate. They cheated me to go in in person and tried to sell me their other investment products!!!
When I opened the CD accounts, they told me that if I deposited this XXX large amount, I could get this xxx rate. I could transfer the money IN (i.e., deposit to the Citizens bank) without problems, But, when I wanted to use the online banking to transfer money out of the bank, the limit is $5000 per month because the POLICY says to prevent money laundry. They tried all the stops (i.e., all different kinds of POLICIES) to prevent me taking the money out. They gave me a load of crabs!!!
I opened a local bank account with the Citizens Bank hoping for the convenience. BUT, all I got is loads of POLICIES and crabs.
AVOID CITIZENS BANK! If you need a local bank, CHASE bank next door is much better - they provide notary services for free for their customers during the office hours and the employees do their best to help. At least, CHASE hires only competent employees. I have checked the Chase policies. They do not have such crabs.
*** There is more story this week.
We got snow storm going. The Bank said that I HAD to go in in person. So, I risked my life driving to the branch to close the CD that is matured yesterday.
The store manager did NOT apologize for the inconvenience. What he said was: "You should be GLAD that we are open today!"
I asked him whether he got my "notarized" letter (sent through the POST OFFICE) about transferring the CD (when it is matured) to my checking account and that I do not want to renew. He said YES. Then he said this: "You got to call me on or before the CD matured and to "remind" me to do that for you". ME: What ???? He said that he might not remember to do that because he might be away or have meeting or .... Does this bank know what is called "customer service"??? This bank has ZERO customer service.
And, due to the snow storm, the branch had NO other customers. However, it took them 30 minutes to issue me a check!!! NOT Recommend this bank.

We locked in a mortgage interest rate of 3.25% with .125% credit, for 60 days with Citizens Bank. However, when we received the closing disclosures for the mortgage, the interest rate was listed as 3.5%. When I inquired about this discrepancy, my loan officer, Maria Esposito, told me that there were utilization ratio issues (due to the fact that we were closing on our purchase before our sale, despite the fact that this had always been the plan), but that she had taken the needed steps to get the rate I had originally been quoted and had submitted all necessary documentation for approval of the originally quoted rate. My loan officer later confirmed via phone that this had been approved.

We received the final closing disclosures the evening before our closing (which had already been delayed by Citizens), but the interest rate had not changed. I emailed my loan officer multiple times but received no response until I reached her by phone the next morning. She told me she was working on getting the rate adjusted as promised. However, a mere two hours before the scheduled closing, she informed me that she would NOT be able to give us the rate that had been locked in. She suggested postponing the closing on our purchase until after the closing on our sale (which was scheduled for less than one business day later).

Because it was only two hours before the closing and we'd had issues even getting the seller to the closing table, my lawyer strongly advised against postponing the closing. Doing so would have put us in breach of contract, and we had no viable options for postponement or alternate loans at this late date. Citizens bait and switch tactics left us with no choice but to close with a increase in the mortgage interest rate that amounts to about $30,000 over the lifetime of the loan. My loan officer loan officer told me that the best she could do was to refund the closing costs ($844, barely anything in comparison), which she requested to be expedited.

I complained up the chain and it took months to even get those closing costs back, but Citizens basically told us we were SOL otherwise because we made the mistake of trusting what their loan officer told us over the phone and we had no written proof. This is clearly a company that couldn't care less about its customers and I wouldnt even recommend them to my worst enemy.

I had to go to the branch on Academy Avenue to fill out masses of paperwork, provide legal documents, etc. to obtain POA for my elderly mother's bank account. All equipment, copier, electronic signature machine, was down. I had to return to electronically sign to complete the process. I then got sick, my mother broke her shoulder, and I didn't get back to the bank for some months. I went back, finally, to complete the process, and they told me they sent all the paperwork, with all our personal data, legal POA and signatures, interoffice mail, but they "lost it". ALL OUR SENSITIVE INFORMATION!!!! FLOATING AROUND GOD KNOWS WHERE!!!! They researched it and told me I had to start the process over from scratch. Can you imagine?! I have no choice but to close all our accounts and go to different bank as they don't value their customers personal security. Customer service is also terrible. DON'T GO TO THEM!! THEY ARE THE WORST BANK EVER, and I have heard many horror stories from others that they are driven crazy trying to refinance their mortgages, etc.

We locked in a mortgage interest rate of 3.25% with .125% credit, for 60 days with Citizens Bank. However, when we received the closing disclosures for the mortgage, the interest rate was listed as 3.5%. When I inquired about this discrepancy, my loan officer, Maria Esposito, told me that there were utilization ratio issues (due to the fact that we were closing on our purchase before our sale, despite the fact that this had always been the plan), but that she had taken the needed steps to get the rate I had originally been quoted and had submitted all necessary documentation for approval of the originally quoted rate. My loan officer later confirmed via phone that this had been approved.

We received the final closing disclosures the evening before our closing (which had already been delayed by Citizens), but the interest rate had not changed. I emailed my loan officer multiple times but received no response until I reached her by phone the next morning. She told me she was working on getting the rate adjusted as promised. However, a mere two hours before the scheduled closing, she informed me that she would NOT be able to give us the rate that had been locked in. She suggested postponing the closing on our purchase until after the closing on our sale (which was scheduled for less than one business day later).

Because it was only two hours before the closing and we'd had issues even getting the seller to the closing table, my lawyer strongly advised against postponing the closing. Doing so would have put us in breach of contract, and we had no viable options for postponement or alternate loans at this late date. Citizens bait and switch tactics left us with no choice but to close with a increase in the mortgage interest rate that amounts to about $30,000 over the lifetime of the loan. My loan officer loan officer told me that the best she could do was to refund the closing costs ($844, barely anything in comparison), which she requested to be expedited.

I complained up the chain and it took months to even get those closing costs back, but Citizens basically told us we were SOL otherwise because we made the mistake of trusting what their loan officer told us over the phone and we had no written proof. This is clearly a company that couldn't care less about its customers and I wouldnt even recommend them to my worst enemy.

This review is posted to remind readers that you might have a legitimate bank complaint, but remember, if you are not part of the solution you are part of the problem. We give Citizens Bank huge credit for the courage to stop the clock and take another look. Tip of the Hat.

Here is what happened:

Our local Citizens Bank branch misplaced some incredibly valuable non-replaceable papers (during a routine branch closing) and we had little proof we gave the docs to Citizens Bank. After a few months of looking we contacted their top management and asked for a top-to-bottom "search" -- and if found -- transfer them to our new Citizens Bank branch. Two weeks later: Presto! Our documents were located and sent to our new Citizens branch in Lebanon, New Hampshire. A very happy ending.

Moral of the Story: Life is Short. Getting Mad and Upset Is Not How To Get Results With A Bank Employee Or Anyone Else For That Matter.

We could have stomped our feet and threatened to find another bank, but everyone reading this is obviously HUMAN and we all make mistakes. Sometimes folks are busy and can't drop everything the second you ask. We were patient and someone way up on the top floor sent a signal for the folks in the tranches to dig hard and locate our important documents.

Our view was that top management at Citizens is also like you and me, they want to please if given a chance and plenty of notice that everything was already done at the local level given the resources available. Occasionally hardworking folks need a bump from the brass.

* * * * * * * * * *

Anyone can post a negative complaint and whine and groan. Always put yourself in the shoes of the person you want help from -- and be persistent with a positive attitude.

Thanks Citizens Bank. Nice job. Keep up the good work. Banking is very competitive these days and it all comes down to hard work, relationships, and patience. Polite persistence is the icing.

Peter White and Lisa
Tunbridge, Vermont

One of my customers gave me a bad check. I had know idea it was going to bounce they blamed me treated me like a pile of dirt, this company was in business 30 years with a great reputation. They told me I should have known it was no good and froze all my assets. I paid the fee and they told me it would resolve all issues, instead they closed both my business and personal accounts and said we don't want your business. They lied to my face.