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 05/17/2022.
4.2
3,327 reviews
from WalletHub and across the web
3,327 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
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.
this bank is more behind with technology I made some deposits of some checks that are in my name and I also received money in my account from the 2022 taxes and they freeze my account because it is under review and they tell me that since May 5 no I have axeso to my account so all my payments are bounced and having money in my account I call and they tell me that they will solve me until August
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Product: Citizens Bank Savings
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Citizens Bank
shauna1109 @shauna1109
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1 Star Rating
I hate this bank so much that I am actually taking time that I do not have to write a review. Do not ever change a password on business banking. Another bank merged with Citizens and their online platform became a joke. I am switching as soon as our busy season is over. The simple things such as changing a password should be just that - SIMPLE !
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Product: Citizens Bank Business Services
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Citizens Bank
ANTHONY @zimbalist_bookert54
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5 Star Rating
Great experience using this bank I am a new customer and so far the experience is positive the only thing I would say needs to be improved is customer service via phone
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Citizens Bank
salserita93 @salserita93
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1 Star Rating
This bank disappeared my money in less than nothing. I feel robbed for this bank, they took everything they could from me. And no happy with that , they charged me for running away from there.
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Product: Citizens Bank Investments
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salserita93 @salserita93
I hate ?? this bank, Every time I see its name my bilirubin goes up.
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Citizens Bank
eric_andrewss @eric_andrewss
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1 Star Rating
I had an account with HSBC which was transferred to Citizens. The transfer process was long an painful and all my account were not even transferred. I started paying my bills when all of a sudden they froze my account with no notices or communication to my about it or why. I found out the hard way... I tried to pay a bill which they denied to release the funds. I made several calls to the bank consistently being put on hold and being transferred. They could not answer any of my questions other than the fact my account had been frozen. I told them that I only wanted to get my funds and close all accounts. I have $729 in my checking account. One of the Repersenative tried to help me set up my transfer of my funds to another bank. They said my funds would be transferred on 4/9/2022. Today 5/11/2022, I received an email saying: "You’re Ability to Schedule Transactions Has Been Suspended”. This is fraud and insane. I have asked to have this escalated, I was transferred and then told to call back tomorrow when the right department opens. My Advice, STAY AWAY FROM CITIZENS BANK because there is some type of fraud going on here. They really need to be investigated.
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Product: Citizens Bank Checking
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Citizens Bank
KIET PHAM @KPHAM1968
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1 Star Rating
I typically don't write review for banks, but today I have to send the message to you: "Run as fast as you could, and as far as you can from this bank". I have nothing but nightmare after HSBC transfer my account over to this bank. Please trust me if you want to wait 1 to 3 hours for customer service down on central America who don't know what you are talking about, no idea what you need, please join this bank---and you will regret BIG time. After couple months of dealing business, I finally speak to someone down on Rhode Island, the first US person I can get the hold with. He finally explain to me the issue I have to deal with (which does not make sense too), but at least I know how they operate. I am going to transfer all the funds to any other bank...and I guarantee you the WORST bank on the USA is far much better than Citizens. AGAIN ! RUN AWAY FAST !
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Product: Citizens Bank Checking
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Citizens Bank
matthewb_346 @matthewb_346
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1 Star Rating
Horrible customer service and arrogant attitudes make this bank a loser. The customer is ALWAYS wrong with Citizens Bank customer "service."
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Product: Citizens Bank Checking
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Citizens Bank
David Varnado @davidev68
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1 Star Rating
Will never deal with this company again. Paid off a CC a day late. ($1500+) They added an additional $10, which I did not know about. Never sent messages, emails, anything to let me know. Finally sent a letter letting me know I was past due on $10 which I paid immediately. But it was to late. They had already reported it to the credit bureau. I dropped 70 points because of $10 I never knew about. They had my email and my phone number. And that's after 4 years for never missing a payment or even having a late payment. I have several other cards that always contact me either via text or email or both about any past due amounts. They also knocked my limit down from $11,500 to $250. Not that I cared about that. I closed the account down as soon as I called them the next morning.
Incompetence at it highest at this company!! Good riddance.
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Product: Citizens Bank Credit Cards
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Citizens Bank
John Brown @galapas
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1 Star Rating
Sought a $400k equity credit line on my home, which has undergone extensive renovations over the last 18 months ($500k+). My income is net $600k per year and my credit score is 760+. The communication and clarity of the same provided by my Citizens loan officer (Kim M) was dismal if not actually painful. Sporadic and incomplete emails and phone call responses are peppered with out of office notifications and out right ‘I am too busy’ notices. All in all a horrible experience that ended poorly. FYI, you’ll know when you are being fired as a customer when Kim starts CCing her boss.
The best Citizens Bank business credit card is the Citizens Bank Everyday Points® Business Mastercard® because it offers 2 points per $1 spent on all purchases. With this card, you also get 25,000 points after spending $5,000 in the first 90 days. Plus, the card has a $0 annual fee. However, this isn't your only option.
The Citizens Bank Everyday Points® Business Mastercard® offers 2 points per $1 spent on all purchases. The card also gives you 25,000 points after spending $5,000 in the first 90 days. The Citizens Bank Everyday Points® Business Mastercard® also comes with an intro APR of 0% for 6 months on purchases. The card's regular APR is 11.49% - 21.49% (V). This card has a $0 annual fee.
The Citizens Bank Business Platinum Mastercard® Credit Card offers an intro APR of 0% for 6 months on purchases. Plus, it has the potential for a lower regular APR than the Citizens Bank Everyday Points® Business Mastercard®. More specifically, the APR range of the Citizens Bank Business Platinum Mastercard® Credit Card is 8.49% - 19.49% (V). This card doesn't have rewards but it has a $0 annual fee.
While 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 Ink Business Preferred® Credit Card offers 1 - 3 points per $1 spent on purchases and an initial bonus of 100,000 points for spending $15,000 in the first 3 months.
You can redeem your Citizens Bank credit card rewards points by logging in to the Citizens Bank website. Then, just click 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 “Contact Us” link at the top of the page or by calling (800) 922-9999. Ultimately, you could talk to a customer service representative in person at your nearest Citizens Bank branch.
Here's how you can reach the Citizens Bank credit card customer service:
Online:Log in to your Citizens Bank online account and chat with a representative by clicking on the "Contact Us" link at the top of the page.
Phone: To reach the Citizens Bank credit card customer service over the phone, just call (800) 922-9999. If you're already a customer, you can enter your credit card account number, or your Social Security Number. Alternately, you can just wait until you're connected to a live representative.
At a branch: You can also reach customer service by visiting your nearest Citizens Bank branch and talk to a customer care agent in person.
It's also worth checking out the Citizens Bank FAQ web page, in case your queries have already been addressed there.
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.
Yes, Citizens Bank does offer debt consolidation loans. You can take out a personal loan from Citizens Bank and use it to pay off existing debts, thus consolidating those debts into a single new balance with one monthly payment that you must make to Citizens Bank. Citizens Bank does not specifically refer to their loans as "debt consolidation loans," so you'll need to take out a general-purpose personal loan..
Quick Facts About Citizens Bank Debt Consolidation Loans
APR:6.79% - 20.88%
Origination fee:$0
Loan amount:$5,000 - $15,000
Payoff period:36, 48, 60, 72 or 84 months
Credit score required: 680
Keep in mind that a debt consolidation loan from Citizens Bank will be worthwhile if it saves you money compared to the interest rates you are paying on your existing debts. In addition to the loan's APR, you should also consider any potential fees, as well as the available loan amounts and payoff periods.
Before you apply for a Citizens Bank debt consolidation loan, it's a good idea to compare it to WalletHub's editors' picks for the best debt consolidation loans. That way, you'll be able to see how the offer stacks up against loans from leading competitors.
