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 05/13/2026.
3.8
4,896 reviews
from WalletHub and across the web
4,896 reviews from WalletHub and across the web
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Citizens Bank
WalletHub @WalletHub
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4 Star Rating
editor's review
The Citizens Bank Personal Loan may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer.
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. Citizens Bank Ratings by Category: Terms: 4.6 / 5 Requirements & Application: 3.8 / 5 Reviews & Transparency: 3.3 / 5 Overall Score: 4.2 / 5
Product: Citizens Bank Personal Loans
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Citizens Bank
Dante Medina @dm19712510
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1 Star Rating
It's hard to believe that this Bank still making business just to keep stealing from the most vulnerable, the poor people that works hard to bring food to the table. The business bureau has to look in to this. They charge me this week 3 $35 fee for the total of $105. The way they do it is listen to this please. You make a purchase on Tuesday, so the following Monday you check your account and is a plus. So now you have available $20 that's when they come and put the last week charges to overdrawn your account and charge you the fees. This is only the first ( 1 ). Of 105 post I will put here. I will work hard to get the message out there all family and friends will make one for me.......
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Product: Citizens Bank Checking
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Citizens Bank
Thal Sa @thals
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1 Star Rating
Horrible bank do not use them. They have the worst customer I’ve, charge ridiculous fees, lie and waste a lot of time on hold.
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Product: Citizens Bank Checking
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Citizens Bank
benmoorghen2020 @benmoorghen2020
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1 Star Rating
An overall pattern of poor judgment, inconsistent underwriting, and unacceptable handling of a HELOC application by Citizens Bank ultimately resulted in the closure of both my credit account and personal banking relationship.
We were approved for a $200,000 HELOC. Four months later, we applied for an increase to $250,000 to support expanded home renovations, including a kitchen and basement project. At that time, we had over $175,000 in available equity.
Citizens Bank assigned appraiser Keith S. from Unique Realty Associates, whose report cited a dumpster in the driveway and the absence of kitchen appliances and electrical outlets as justification for denying the additional $50,000. These conditions were temporary and directly related to the active renovation project—the very purpose of the HELOC.
Despite this, Jason S., Loan Officer, and Michelle G., Processor II, provided no reasonable resolution or escalation path and instead upheld what was presented as a final denial based on these factors. The explanation given—that the presence of a dumpster influenced the inspection outcome—demonstrates a lack of sound underwriting judgment and basic understanding of renovation lending.
As a result, we obtained a $300,000 HELOC through a local credit union at a more favorable rate and immediately paid off and closed our Citizens Bank accounts.
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Product: Citizens Bank Home Equity
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Citizens Bank
idsrodriguez83 @idsrodriguez83
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1 Star Rating
The worst bank I have ever had, everything trying to do online banking doesn't work. Summit Bank and customer service don't help you, they want to keep switching you to different people, then you have to repeat everything all over again. I'm getting a new bank; I don't recommend this one.
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Product: Citizens Bank Checking
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Citizens Bank
Elena Galbraith @egalbraith61
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5 Star Rating
We had an excellent experience with our Citizens Bank HELOC loan. From start to finish, it was transparent, professional, and easy. We were always able to speak to our loan contact, and there were no issues with the complete process. The interest rates and all steps in the process were clear, and we never had a moment of confusion. From application to closing, and even post-closing, we were kept fully informed. And finally, the interest rate beat out all competitors.
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Product: Citizens Bank Home Equity
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Citizens Bank
jay_dylan @jay_dylan
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1 Star Rating
Worst bank ever. They put checks on hold for seven days even though they tell you it will be available in two business days. After verifying your information, they tell you the fraud hold will be lifted in 15 minutes, but three hours later they say you have to visit a branch, with no access to funds until you do. They tell you your account is active, but after trying five times, it's still not active. The list goes on and on. Run from this bank; it is not worth all the horrible experiences they cause.
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Product: Citizens Bank Checking
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Citizens Bank
Austin Erkl @austinerkl
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2 Star Rating
They paid out my checking bonus but did not pay out my savings because I was $100 short after I had something taken out of the account, though I replaced it shortly afterward. They were vague with requirements, but apparently, you need $1,050 in the account on the 31st of the final deposit month. Mine was $1,900 on the 21st, then I made a withdrawal, so it was $950 at the end of the month. I deposited more and let $2,000 sit in my account for another month before they told me that I was not eligible as they take the balance screenshot for the promotion at the end of the month, and there was nothing they could do about it. Also, they always lock your account if you use a VPN, which is very annoying.
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Product: Citizens Bank Checking
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Citizens Bank
Andrzej Matula @damatula
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1 Star Rating
I am a long-time Citizens Bank customer, but in recent years I've observed a decline in customer service. Numerous branches that were conveniently located for customers have been closed. Additionally, many of these branches are staffed by people who often have a limited grasp of English. Worse yet, even branch managers are brought on with inadequate English skills and limited technical knowledge. If they are also discourteous and condescend to customers, as was my experience at Citizens Bank, 5 W. Germantown Pike, East Norriton, PA 19401, it would be wise to close your account and seek out a different bank. Citizens Bank must decide what is more beneficial: hiring inexpensive labor or investing in employees who are fluent in English. Citizens Bank must make a choice!
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Product: Citizens Bank CDs
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Citizens Bank
stack08 @stack08
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1 Star Rating
Horrible, horrible company. Customer service is non-existent.
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Product: Citizens Bank Mortgages
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Citizens Bank
Darryl Ray @raydogood1983
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1 Star Rating
The absolute worst experience that I've ever had with a bank .December 7th i deposited a cashiers check of $1.000 . The following day they made$ 275 available with a date of the11th to release remainder of funds . However I went in to the bank to withdraw money . Only to be told sorry your account is closed . I asked why ? No explanation as of yet nor have I received my funds . By any way you see this its outright theft ! If I was to walk into the bank take money say nothing . Guess what I would be arrested immediately ! January 13th today .still waiting on anexplanation and my funds THIS IS ILLEGAL TO SAY THE LEAST !!! STAY FAR AWAY FROM THIS COMPANY .
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Product: Citizens Bank Checking
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Citizens Bank
angelica gh @angelica3051
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1 Star Rating
My experience with Citizens Bank has been deeply disappointing and frankly infuriating.
I had a single, one-time late payment due to an autopay failure, not negligence or refusal to pay. As soon as I discovered the issue, I paid the balance in full immediately and provided documentation explaining exactly what happened. Despite this, Citizens Bank showed zero flexibility, zero empathy, and zero urgency.
I called on December 6 to formally request the removal of the negative mark. They did not even submit the dispute until December 8, and that only happened after I had to call a second time to follow up. From there, the process dragged on unnecessarily for nearly a month.
I had to call every single week, write emails, and letters to follow up. And every time I was told they had to follow their internal process and could not provide any additional information about their review. I requested an updated balance letter, but they did not provide an accurate document until the third attempt. On January 5, I was finally told that nothing would change.
Throughout this entire process:
- Citizens Bank was slow to respond and delayed every step.
- They refused to provide any electronic updates or documentation.
- I was given no status updates whatsoever.
- I am still forced to wait for a physical letter just to be told the late mark will remain.
Meanwhile, the damage was already done. My credit score plummeted from 790 to 690 over a single autopay error — an error I corrected immediately and in good faith.
This experience made it clear that Citizens Bank is more interested in rigid bureaucracy than customer relationships. They advertise themselves as customer-focused, but when a loyal customer makes one honest mistake — even one caused by an autopay system failure — they are completely unforgiving.
If you value responsiveness, transparency, or fair treatment, think twice before banking with Citizens Bank. When things go wrong, they will not work with you — they will stall, deflect, and let your credit suffer without accountability.
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Product: Citizens Bank Personal Loans
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Citizens Bank
Lori Martinez @ldnolasco
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1 Star Rating
THE WORST CUSTOMER SERVICE!!! If I could give negative stars, I would. They don't do a darn thing in times of financial hardship. My last experience with a mortgage refinance was an absolute disaster. When something sounds too good to be true, it usually is. Once things get better, I am going to switch to Advantage Federal Credit Union.
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Product: Citizens Bank Mortgages
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Citizens Bank
Ren @dingren114400
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1 Star Rating
The worst bank service! Citizens Bank is a liar. I opened a savings account at Citizens Bank to get bonuses, but after three months of deposits, they told me that I can't get the bonus because I didn't deposit when the savings account was open. When I processed my deposit online, no one told me that, and their mobile app or online system didn't inform me of this requirement. I will move all my money from this bank to another "transparent" bank. Never use this bank forever!
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Product: Citizens Bank Checking
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Citizens Bank
MD GE @geglerm
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1 Star Rating
The "upgraded" bill pay system is a disaster. Did the bank do this to withhold money instead of paying the bills on time? I set up payments today, 11/21/25, and the send date is 12/4/25. This is 13 calendar days until the payment is released. And these are the same payees I had before the change. I find this change very frustrating, and I have been a customer for over 25 years.
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Product: Citizens Bank Checking
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Review Citizens Bank
WalletHub Awards
Citizens Bank has won the following WalletHub Awards:
Get answers to your questions about Citizens Bank below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
You can open a Citizens Bank account, online, by phone or in person at a branch.
Online: Visit the Citizens Bank website to explore a range of personal and business accounts. Compare the features and benefits of each account and apply online within minutes. You'll need to provide personal information like your name, address, date of birth, social security number, and email address.
Phone: Call the Citizens Bank customer service at (800) 922-9999 to speak with a representative who can guide you through the account opening process over the phone.
Branch: Visit a nearby Citizens Bank branch and open an account in person with the assistance of a banker.
You can check the best checking accounts available for you to make sure that whatever decision you go for really fits your goals.
The Citizens Bank overdraft fee is $37 per transaction that overdraws your account, if you have a Citizens Bank checking account that allows overdrafts. Some Citizens Bank accounts will not charge an overdraft fee but only because transactions that would overdraw your account will be declined.
Key Things to Know About Citizens Bank Overdraft Fees
Not all accounts are eligible for overdraft services. While most of Citizens Bank's checking accounts come...
Yes, a Citizens Bank account is FDIC-insured up to $250,000 per customer, per account ownership category. This means that even if Citizens Bank fails, you will eventually be able to recover an individual account's balance up to $250,000.
If you have a joint account, each co-owner of the account is considered a separately insured customer. As a result, you can collectively recover the account's balance up to $500,000 in the event of a bank...
The best Citizens Bank business credit card is the Citizens Bank Everyday Points® Business Mastercard® because it offers 3 points per $1 spent on all purchases and has a $0 annual fee. New cardholders can also get 50,000 points after spending $5,000 in the first 90 days. However, this isn't your only option.
While the Citizens Bank business credit cards have decent terms, they're not the best offers on the market. Check out WalletHub's picks for the best business credit cards available right now.
To talk to Citizens Bank customer service, call 1-800-922-9999 and then enter your account or card number and press #. This process will get you in contact with a live Citizens Bank representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to Citizens Bank Customer Service by Phone
Call the Citizens Bank customer service department at 1-800-922-9999.
To redeem Citizens Bank rewards, log in to the Citizens Bank Rewards portal and select a redemption option. Citizens Bank also allows you to redeem rewards by calling the phone number on the back of your card.
Yes, you can refinance a Citizens Bank personal loan using either a new personal loan or a balance transfer credit card from a different lender. By paying off your remaining Citizens Bank balance with a new, lower-interest loan or credit card, you will shift what you owe to the new lender and save money on finance charges.
How to Refinance a Loan from Citizens Bank With a New Loan
Yes, Citizens Bank is offering a sign-up bonus for new customers. Currently, you can earn up to $400 when you open a new checking account and meet certain requirements.
To get the first $300, you need to open a new personal checking account and receive a direct deposit of $500 more within 60 days of opening the account. For an additional $100, you'll have to open a new personal savings account on the same date as you...
You can check your Citizens Bank credit card application status by calling 1 (877) 525-9248. When you call, you'll need to provide your your Social Security Number so that Citizens Bank can match you to your application. You cannot check your Citizens Bank application status online.
How to Check Your Citizens Bank Credit Card Application Status
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by WalletHub: Citizens Bank Everyday Points® Business Mastercard® and Citizens Bank Business Platinum Mastercard® Credit Card.
