Citizens Financial Group, Inc. is one of the oldest and largest financial services firms in the United States. Headquartered in Providence, Rhode Island, where its roots date back to 1828. Their vision is to be a top-performing bank distinguished by its customer-centric culture, mindset of continuous improvement and excellent capabilities. Ensuring that they are... show more
Citizens Bank Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 04/08/2021.
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Citizens Bank
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Citizens Bank Personal Loan Review
Citizens Bank offers personal loans with no fees and a relatively low APR, at 6.79% to 20.88%. These loans are best for people with fair-to-good credit, as people with excellent credit will be able to find slightly lower minimum rates elsewhere. Citizens Bank’s minimum credit score for personal loans is 680, which is just before the start of the good credit range. Another positive quality of Citizens Bank personal loans is that it’s possible to apply with a co-applicant, something many lenders don’t allow.
While Citizens Bank only has branches in 11 states, that won’t stop people in other states from qualifying for a loan. Citizens Bank has a national lending division called “Citizens One” with the same terms on personal loans.
Citizens Bank Personal Loan Review Highlights:
• Citizens Bank personal loan rates: 6.79% to 20.88%
• Loan amounts: $5,000 to $15,000
• Payoff timeline: 36 to 84 months
• Time for approval: 1 to 10 business days
• Time for funding: 3 to 6 business days
• Fees: None
• Credit score required: 680
• Other requirements: 18+ years old, U.S. citizen or permanent resident, SSN
• Co-applicants: Allowed
Citizens Bank personal loans offer many benefits with few drawbacks. Below, you can see how WalletHub rates Citizens Bank loans in three major categories: Terms, Requirements & Application, and Reviews & Transparency.
I had 10,000 and they cut me down half and Zi font in is why. But my credit card 10,000 to 5,000. I should have 10,000. Is there a way to at least get a higher amount like at least 8,000.
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Product: Citizens Bank Credit Cards
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Citizens Bank
christopher_t_stanton @christopher_t_stanton
The worst online banking experience I have ever encountered (I have used Schwab for years and had to open a Citizens account because we took out a mortgage with Citizens). The online interface is clunky and not user-friendly, but what's worse is that they do not protect users from themselves. I have had a transfer from another bank held up (without access to funds) because the transfer itself didn't meet Citizen's compliance standards. I have been on hold for hours trying to get access to those funds. Every contact center resolution says the funds will be returned within 1-3 business days. 12 days later and still no access to funds. This might not be so bad if wait times were reasonable, but each of these calls takes nearly an hour. I teach digital transformation -- these folks could use my class -- but until then, steer clear.
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Product: Citizens Bank Checking
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Citizens Bank
theodore timpone @theotimp7
Opened an account under a $300 promotion. They didn't pay and expect they cheat others in my opinion. Been calling them and they still don't have a reason for not paying. Saying bogus info. In my opinion they just don't want to. Think others go through trouble of changing account expecting a promotion and they get cheated out of it. Save your time and hassle and avoid their promotions in my opinion. Cause i met all requirements and they agree yet they don't pay.
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Product: Citizens Bank Checking
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Citizens Bank
shadowx777x @shadowx777x
Not only does this bank make you wait for standard checks deposited (which I can understand), but it makes you wait for government issued checks such as a stimulus check. No other bank I dealt with made me wait for a government issued check. Ridiculous!
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Product: Citizens Bank Checking
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Citizens Bank
janeandbuddy29 @janeandbuddy29
Citizens Bank is one of the most parochial banks I've encountered (I worked in banking for a decade) with only a superficial grasp of business needs. You will only get the most conventional responses which are often at odds with the flexibility and fluid requirements businesses need. I would not start a relationship with this bank culture, since qualified personnel are essential and CB's suburban offices simply lack this.
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Product: Citizens Bank Business Services
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Citizens Bank
damieaninvestor75 @damieaninvestor75
ABSOLUTELY TRASH!! The worst experience ever with a bank. They owe me money they haven't sent & it's been months. Their customer service reps hang up on you act like phone disconnected & refuse to let you speak with a supervisor on at least 8 occasions. I can go on & on too much to say but TRUST me! THE ABSOLUTE WORSE!
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Product: Citizens Bank Mortgages
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Citizens Bank
speechteacher712 @speechteacher712
I have experienced TERRIBLE customer service with my mortgage loan and apparently the employees in the loss mitigation department are inept. I applied for a loan modification due to extenuating circumstances because of COVID, and was told it would take 30-45 days to process. I called at the end of December and was told it was still being processed. I called the middle of January and was told the same thing. In February, when I was told THE SAME THING, I got nothing the but the runaround when I told them I wanted a decision. On March 22, I was finally able to find out that they had approved us for something we did NOT request and that they had done NOTHING on the modification request. Due to the circumstances surrounding our loan, I had to know by March 31 what was happening. I demanded that they tell me something immediately and was told it would take ANOTHER 10 days. I asked to speak to a supervisor and was refused. BEWARE DOING BUSINESS WITH THIS COMPANY, especially if you expect your business to be taken care of in an efficient, timely manner.
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Product: Citizens Bank Mortgages
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Citizens Bank
Vicki T @bethturek18
Signed up for a promotion I received in the mail where I would receive money for opening a checking and savings account. It was total false advertising and lies. They completely screwed me over and said I didn't qualify to receive any money from them. The promo says one thing, yet they leave out a bunch of details.
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Product: Citizens Bank Personal Loans
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Citizens Bank
Vernon @vernonr_11
Excellent experience and card service since getting the card. I am very pleased with the card and plan to continue the use of the card.
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Product: Citizens Bank Credit Cards
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+3870 users submitted a rating without writing a full review
The best Citizens Bank business credit card is the Citizens Bank Everyday Points® Business Mastercard® because it has a $0 annual fee. It also offers 2 points per $1 on all purchases and a bonus of 25,000 points for spending $5,000 in the first 90 days.
The only other Citizens Bank business credit card is the Citizens Bank Business Platinum Mastercard® Credit Card, which has no rewards. However, it also has a $0 annual fee and the potential for a lower APR than the Citizens Bank Everyday Points® Business Mastercard®. Its APR range is 8.24% - 19.24% (V), compared to 11.24% - 21.24% (V) for the Citizens Bank Everyday Points® Business Mastercard®.
While both of the Citizens Bank business credit cards have decent terms, they're not the best offers on the market. There are lots of really rewarding business credit cards available right now. For example, the Capital One® Spark® Cash for Business offers unlimited 2% cash back on all purchases and a $500 initial bonus (for spending $4,500 in the first 3 months).
You can redeem your Citizens Bank credit card rewards by logging in to the Citizens Bank Credit Card Online website and clicking on the rewards redemption option in the white box in the lower-right corner of the page.
Here's how to redeem your Citizens bank credit card rewards points:
Click on the grey arrow next to your Rewards Balance (located in a white box in the lower right corner) to view or redeem your points.
Redeem cash back rewards in increments of 25 points, at $1 per point.
Choose your redemption method between a statement credit applied to your credit card balance or a deposit into your Citizens bank personal checking, savings, or money market account.
If you have trouble redeeming your rewards points, call the Citizens Bank credit card Rewards Redemption Center at (855) 287-3910 (9am-9pm EST Monday through Friday and 10am-7pm EST on weekends). Or call the Citizens Bank customer service at (800) 684-2222, (7am-1am EST Monday through Friday and 7am-12am EST on weekends). You can also visit the bank's contact page for other ways to get in touch.
The easiest way you can reach the Citizens Bank credit card customer service is either online, by clicking on the “Message us” tab or by calling (800) 684-2222.
Ultimately, you could talk to a customer service representative in person at your nearest Citizens Bank branch.
You might also receive a pre-approved letter in the mail if Citizen Bank considers you eligible for one. Just keep in mind that being pre-approved doesn't guarantee your approval for the card. You might still get denied if you decide to apply.
In a Citizens Bank branch by making an appointment
You should have excellent credit to be considered eligible. But Citizens Bank will also look at your income and existing debts to decide if you're a good fit for their card.
