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 serving customers well, remains key to delivering long-term franchise value.
Citizens Financial Group, Inc. is one of the nation’s oldest and largest financial institutions, with $176.7 billion in assets as of March 31, 2020. Citizens Financial Group, Inc has approximately 2,800 ATMs and approximately 1,000 branches in 11 states in the New England, Mid-Atlantic and Midwest regions.
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 01/20/2021.
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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.
Citizens is a customer friendly bank. They are fair and provide a great service. I have been happy to be with them for over a decade now and do not plan to change banks.
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Product: Citizens Bank Credit Cards
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Citizens Bank
Teresa @teresal_79
This card has a great promotional APR. It also has a great beginning cash back rate of 10% for groceries and dining out. Afterward cash back is 1.8%.
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Product: Citizens Bank Credit Cards
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Citizens Bank
valentina0220 @valentina0220
Easy to use online banking and app; lots of ATMs in my area; tellers and bankers are always so helpful - especially during this global pandemic
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Product: Citizens Bank Checking
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Citizens Bank
talopresti @talopresti
This bank is absolutely terrible. I have a new home loan 1 year old. The escrow dept was given written instruction not to pay the tax bill as the condo association bills were not yet split by the county assessor. They acknowledged receipt. Then they paid the entire condo association’s tax bill out of my escrow account. For 4 months I have been calling customer service. They are terrible no one can help you. No one will give you a work order or case number to follow up. No one will send you an email or call. Now I’m trying to refinance just to get away from this company and they have added the entire condo association shortfall in the escrow to my payoff amount, and no one not a single person can explain to me how I’m responsible for this shortfall and refuses to remove this. I explained that the county assessors office will not send me a refund because it’s for the entire association. DO NOT DO BUSINESS WITH THIS BANK YOU WILL REGRET IT!
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Product: Citizens Bank Mortgages
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Citizens Bank
eadkins019 @eadkins019
Citizen's Bank has great customer service, great people, and the checking account and savings account is awesome! I have had one issue and that was when I had $34.00 missing and I called the bank in my area and they took immediate action, closed my account, and issued a new card to my house and they took this as a serious matter and that's what I loved, they also re-funded me the money that I lost back, and I could not be more happier with the service and security I mean such a great bank to deal with overall. I am glad to be apart of this bank. Thank you Citizens Bank for all you've done for me since I have been a customer.
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Product: Citizens Bank Business Services
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Citizens Bank
imanmz4 @imanmz4
I got a personal loan from them and I was paying my payment every month and the people I spoken to I gave them my account to pay off their loan and they made a mistake on both my routing and checking account. As a result it ruined my credit. I advise people who do not want to damage their credit to not use this bank because of their incompetent employees.
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Product: Citizens Bank Personal Loans
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Citizens Bank
Roger Steere @rockymountain28
Awesome card, great cash back benefits, can't believe how much cash back I've earned already! I use it when I travel and for my purchases.
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Product: Citizens Bank Credit Cards
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Citizens Bank
keatingodfrey @keatingodfrey
This bank is awful. Any time I try to do anything aside from spending money from an account or pay them money for a loan, dealing with this bank is a frustrating waste of time. You have to physically go into a bank to wire money, you cannot easily change your contact information through the account portal, and their phone-based customer service is mediocre at best. I had a personal line of credit with them that I used and paid off regularly, but the interest rate crept up to a credit card rate. I called to try to cancel the line of credit and spent an hour on the phone being passed around departments that had no idea what account I was talking about (yes, I gave them the acct number), nor how to close it.
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Product: Citizens Bank Checking
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Citizens Bank
Alex Breen @aebreen96
Someone gained access to my card info and charged my card for $200. I called citizens customer service to have the charge taken off. Got a letter from them two weeks later saying they rejected my claim and that I would not be reimbursed. I have called them several times to get my money back. They always say "We'll call you back within a few days" ITS'S BEEN THREE WEEKS and nothing has been done. Apparently no one is capable of or willing to help me. I don't have a lot of money and its nearly Christmas and I'm down $200. This is unacceptable. Once I get my money back (if their team can scrape together enough competence to make that happen) I am canceling my card. What a joke
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Product: Citizens Bank Checking
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+3861 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 pointsfor spending $5,000 in the first 90 days.
The only other Citizens Bank business credit card is the Business Platinum Mastercard, which has no rewards. However, it also has a $0 annual fee and the potential for a lower APR than the Everyday Points card. Its APR range is 8.24% - 19.24% (V), compared to 11.24% - 21.24% (V) for the Everyday Points card.
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 card offers unlimited 2% cash back on all purchases and a $500 initial bonus.
You can redeem your Citizens Bank credit card rewards by logging in to the Citizens Bank website and clicking on the rewards redemption option in the white box in the lower-right corner of the page. The Citizens Bank Cash Back Plus Credit Card gives its cash back rewards in the form of points, which you can redeem in increments of 25, at $1 per point. Your cash back can be applied to your credit card account as a statement credit, or added to your Citizens Bank deposit account.
If you have trouble redeeming your rewards points, call the Citizens Bank credit card Rewards Redemption Center at 855-287-3910 (9am-9pm M-F and 10am-7pm on weekends). Or call Citizens Bank customer service at 1-800-922-9999, 24 hours a day, 7 days a week. You can also visit the bank's contact page for other ways to get in touch.
The starting credit limit for a Citizens Bank credit card is $500.
But after at least 2 months of opening your account, you could request a credit limit increase online or by calling (800) 684-2222.
A credit limit increase could result in a hard pull. This may hurt your credit score for a little while. So only request an increase if you've been paying your bills on time and in full, or if your credit score and income have improved since opening your account.
No, the Citizens Bank Cash Back Plus card doesn't offer virtual account numbers. It does, however, come with other security features, such as contactless payments.
