Citizens Bank Reviews

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Edited by: Tammy Burns

About Citizens Bank

Headquartered in Providence, Rhode Island, Citizens Bank is one of the largest financial institutions in the United States, offering checking and savings accounts, credit cards, loans and mortgages. It has physical branches in 14 states and Washington DC, and an online banking platform that allows customers to manage accounts from anywhere.

Pros
  • Branch locations in 14 states and DC
  • Easy ways to waive monthly fees
  • Free financial checkups for customers
Cons
  • Expensive overdrafts
  • Below-average interest rates
  • Limited service area

Helpful Reviews

Clayton, DE
Verified purchase
I opened a HELOC with Citizens Bank in 2023. In July of 2024, I had used about 60% of the funds and was making on time monthly payments via direct deposit. When I attempted to log...

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Ellendale, DE
Verified purchase
I've been with Citizens Bank for almost a month now, I have a checking account. I dropped M&T and went to citizens. I absolutely love them! Fantastic customer service! I don't lik...

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What is Citizens Bank?

Citizens Bank is a full-service bank founded in 1828 and headquartered in Providence, Rhode Island. It offers a variety of account options, including checking accounts, savings accounts, money market accounts, certificates of deposit (CDs), mortgages and business banking.

Citizens Bank has more than 1,000 branches and 3,000 ATMs across these 14 states:

  • Connecticut
  • Delaware
  • Florida
  • Maryland
  • Massachusetts
  • Michigan
  • New Hampshire
  • New Jersey
  • New York
  • Ohio
  • Pennsylvania
  • Rhode Island
  • Vermont
  • Virginia
  • Washington, DC

How does Citizens Bank work?

When you open an account with Citizens Bank, you’ll be able to access your funds through various channels, such as ATMs, online banking, mobile banking or by visiting a branch. It also offers customer support services through phone and email.

To open an account with Citizens Bank, you will need to provide some personal information, such as your name, address, Social Security number and date of birth. You may also need to provide proof of identity, such as a driver's license or passport.

Once you have opened an account, you can access your account information and manage your finances through Citizens Bank's online and mobile banking platforms, as well as in person at one of the bank's many branches.

Citizens Bank also offers a variety of financial management tools, such as budgeting and savings tools, to help you better manage your money. As a member of Citizens Bank, you will have access to personalized services, such as a free financial checkup, to help you achieve your goals.

Citizens Bank products and services

Citizens Bank offers a range of account options with different features, fees and requirements, so you can choose the one that best fits your financial needs. All of its deposit accounts receive direct deposits up to two days early.

Here’s an overview of what the bank offers:

Checking accounts
One Deposit Checking is Citizens Bank’s most popular checking account. As its name implies, it requires at least one deposit to waive the $9.99 monthly fee. In addition, Citizens Bank has these checking accounts:

Citizens EverValue Checking

Citizens EverValue Checking has a $5 non-waivable monthly fee. But in exchange, you’ll pay no overdraft fees. This makes it a good option for anyone who wants to bank with Citizens but wants to avoid the typical $35 fee for overdrafts.

Student Checking

Young adults under age 25 can open a Student Checking account and enjoy no monthly fees or overdraft fees.

Citizens Quest Checking

Citizens Quest Checking comes with additional overdraft benefits, including Citizens Peace of Mind, which gives you extra time to pay your overdrafts, and Citizens Fee Relief, which forgives one overdraft per year. This account has a $25 monthly fee that’s waived when you make at least $5,000 in monthly direct deposits or maintain a minimum $25,000 balance.

Citizens Wealth Checking

Citizens Wealth Checking is a premium account that comes with all the same overdraft protection options as Citizens Quest Checking, plus support from a team of financial professionals and no monthly fee. To be eligible, you must maintain a minimum $200,000 balance in combined monthly deposits and investment accounts.

Savings accounts
Citizens Bank has three savings accounts, all of which mirror its checking accounts.
  • One Deposit Savings has a $4.99 monthly fee that’s waived when you make at least one deposit a month or if you’re under age 25 or over age 65.
  • Citizens Quest Savings has no monthly fee if you pair it with a Citizens Quest Checking account.
  • Citizens Wealth Savings has no monthly fee if you pair it with a Citizens Wealth Checking account. Citizens Wealth also comes with $10 in non-Citizen ATM fee reimbursements.

The bank also has two money market accounts, but both have low interest rates.

Certificates of deposit
Citizens Bank has a 14-month CD that earns a 2.75% annual percentage yield (APY) at publishing. It requires a $1,000 minimum balance. The bank also has investment retirement account (IRA) CDs with a $250 minimum balance.
Credit cards
With Citizens Bank, you’ll find a lineup of credit cards, including rewards cards and 0% balance transfer cards.
Loans
Citizens Bank provides customers with home loans, student loans and auto loans. It also has loans and financing options for small businesses.
Wealth management
Citizens Bank wealth management has private client services tailored toward helping you reach your financial goals. Its services include personalized advice for retirement planning, trust services, education planning, insurance and more.

Citizens Bank fees

Citizens Bank makes it easy to waive monthly fees, with most accounts requiring a single deposit, minimum monthly balance or linked checking account to avoid a charge.

However, in addition to monthly fees, Citizens Bank charges overdraft fees that are more expensive than most large banks — $35 for overdrafts up to five times per day, plus a $30 “sustained” overdraft fee on the 5th, 8th and 11th business days when your account remains overdrawn.

Most accounts have overdraft options, so you can avoid or reduce these overdraft fees by enrolling. Citizens Bank also charges fees for the following:

  • $3 for non-Citizens Bank ATMs
  • $3 for paper statements
  • $15 for excessive transactions from a business savings or money market account
  • $10 initial fee for accounts with one year of inactivity, followed by a $5 monthly fee after that

Citizens does not charge excessive withdrawal fees for personal savings accounts.

Citizens Bank FAQ

Does Citizens Bank use Zelle?

Yes, Citizens Bank uses Zelle, a person-to-person payment service that allows you to send and receive money from other users with just a few clicks. To use Zelle with Citizens Bank, you’ll need to have a valid checking or savings account. You can enroll in Zelle through the bank's online or mobile banking platform.

How can I access my Citizens Bank account information?

You can access your Citizens Bank account information through the bank's online and mobile banking platforms, as well as in person at one of the bank's many branches. These platforms offer a range of financial management features, such as budgeting and savings tools, to help you better manage your money.

Where is Citizens Bank available?

Citizens Bank is available in the Northeast and Midwest regions of the U.S. The bank has over 1,000 branches across Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia and Washington, DC.

How can I find a Citizens Bank branch near me?

You can find a Citizens Bank branch near you using the bank's online branch locator tool. Simply enter your ZIP code or city and state to see a list of nearby branches and ATMs. You can also use the bank's mobile app to locate branches and ATMs while you're on the go.

Still have questions?

Is Citizens Bank legit?

Citizens Bank is a legitimate bank with a long history of providing financial services to individuals and businesses. It’s best for those looking for a regional bank with a wide range of products and services.

Most accounts have no minimum opening balance requirements and easily waivable monthly fees. Although overdraft fees are high, the bank provides several ways to avoid or reduce them. Plus, its online and mobile banking platforms provide convenient access to account information and financial management tools.

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Citizens Bank Reviews

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    Page 1 Reviews 0 - 10

    Reviewed May 28, 2026

    Horrible online support. I opened an account recently and almost daily I cannot login to my account without changing my password. I contacted support via their online number and was on hold for close to 45 minutes. I have several checking accounts with different online banks and have never had an issue with any of them. I received a possible fraud notice from Citizens, yet I have not had any transactions (as confirmed by citizens support line), however I still cannot login routinely and online support is useless.

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    Contract & TermsSales & MarketingPriceRefunds & Payouts

    Reviewed May 12, 2026

    Citizens Bank is horrible. Made a mistake on the mobile app when I sent a wire. My recipient brokerage account sent the money back and didn't charge me a thing. Citizens Bank charged me a 30 outgoing fee for an unsuccessful wire and another 20$ fee for an incoming wire that my brokerage sent back. This is crazy and unacceptable. I will be closing my account out and bank somewhere else.

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      Customer ServicePricePunctuality & SpeedStaff

      Reviewed April 22, 2026

      A real LOSER company- tried to deposit $8,000 cash at my local branch & was told - COME BACK in an HOUR - TELLERs on LUNCH---- Asked to speak to the manager--MANAGER has the DAY OFF--- Asked to speak to asst manager---- "WE CUT that POSITION"--- I asked, "Who's in charge?????" ---- NO ONE. ----- Filed numerous complaints on this issue all the way up to the -CEO- BRUCE VAN SAUN - He directed my complaint to customer service JESSICA ---- who said --- "THANKS for CONTACTING US but there's nothing we can do." --- Workers take days off & lunch---come back when they are there ----- I moved ALL my $$$$ to a bank that cares.

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      PriceBillingRates

      Reviewed March 27, 2026

      So I deposited a $6000 from one of my accounts to pay off my credit card. They put a one week hold on the funds while charging me interest. This is stupid because the funds already left my other bank account.

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      Customer ServiceSales & MarketingPriceOnline & AppHonesty & Transparency

      Reviewed March 10, 2026

      I originally banked with HSBC, and Citizens bought them. I have struggled from day one with getting into my account. I honestly didn't touch it, which was my fault. However, I managed to get into the account and noticed they were charging me a $5 dormant fee once a month without any notification. I tried to transfer my money to my other bank to close the account. I could not log onto the website and then my login information no longer worked on the app. I called and no one was able to assist me and informed me that I should have gotten a letter in the mail regarding a dormant fee. The best they did was waive 6 months of fees. I am still struggling to get into my account, which they will not close until I transfer money. I cannot transfer unless I get into my account. I will never use Citizens again, nor did I actually sign up to bank with them. My money has been stuck there due to getting access to my account.

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      Contract & TermsSales & Marketing

      Reviewed Feb. 18, 2026

      They took a flawless system of check paying and turned it into shit. For over 20 years I used their check paying system without a problem. Now it's nothing but problems. They split the screen. You can't see what is going on with your money and they added all types of companies on that screen, that have nothing to do with me, that I'm sure they are getting AD fees for. You cannot keep track of what's going out. Every time I use it I get pissed. They screwed it up for no reason.

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      Customer ServiceStaff

      Reviewed Feb. 12, 2026

      Went to the teller at 11.40 am at dover branch, to ask a question because I forgot my card in the machine and that person (a blondie person with short hair) answer me with real bad attitude like she was taking care of another customer and there wasn't anyone in her window, customer service personnel should be polite, not the way she act < that's unacceptable. The CEO will know about this situation.

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      Staff

      Reviewed Feb. 12, 2026

      They refuse to mail out the year end tax info on time every year the same thing happens, I then talk to a rep who says that they can't help me because the statement was mailed out on the Jan 31. It is now the 12th and I still haven't received it.

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      Transparency

      Reviewed Jan. 15, 2026

      This bank is terrible. No one can tell you answers. They close your cards with no explanation! Everyone telling you different stuff and nothing is clear! I have talked to 10 different people and they all said something different! My account been under review since December. You can’t review an account without talking to the customer themselves and I have yet to talk to anyone! I dislike this bank to the maximum!

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      Customer ServiceStaffBillingRates

      Reviewed Dec. 30, 2025

      Horseshit customer service, have to get transferred between a bunch of different departments, and they ain’t got a clue how to help. Keep no records of conversations it seems like. I even let my credit card go months with a hold on it because I had no interest in talking with them and getting bounced around reps to talk with, they all don’t have a sniff of a clue

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      Citizens Bank Company Information

      Company Name:
      Citizens Bank
      Company Type:
      Private
      City:
      Providence
      State/Province:
      RI
      Country:
      United States
      Website:
      www.citizensbank.com