Citizens Bank Reviews
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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.
- Branch locations in 14 states and DC
- Easy ways to waive monthly fees
- Free financial checkups for customers
- Expensive overdrafts
- Below-average interest rates
- Limited service area
Helpful Reviews
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
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
- 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
Credit cards
Loans
Wealth management
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.
Citizens Bank Reviews
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- 4,895,222 reviews on ConsumerAffairs are verified.
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- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
Citizens Bank Company Information
- Company Name:
- Citizens Bank
- Company Type:
- Private
- City:
- Providence
- State/Province:
- RI
- Country:
- United States
- Website:
- www.citizensbank.com








