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 10/23/2021.
4.1
3,271 reviews
from WalletHub and across the web
3,271 reviews from WalletHub and across the web
What's Your Rating?
Most Recent
Most RecentMost Useful
Review sort
Citizens Bank
WalletHub @WalletHub
Report Abuse
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.
Citizens Bank is a pleasure to deal with, from home loan to credit cards to checking and savings! Easy to navigate online options and extremely knowledgeable personnel in every department.
show more
show less
Product: Citizens Bank Credit Cards
Comment
0
0
Citizens Bank
wanyoungekim @wanyoungekim
Report Abuse
1 Star Rating
Terrible bank with arbitrary bureaucratic procedures. After I first opened the account online they told me they were closing it because the name on the bank account I transferred from was not my name. But it was definitely my name. I had to go in the branch and appeal this process. My online banking had to be reactivated a few times. A month and half later I find my online banking has been disabled again and when I call in to check my balances, $3800 of my funds are missing. The bank has put a hold on some transactions they are saying were not made out to me. My account then becomes -2679 in balance because the hold on one large transaction is appearing twice. At this point the bank may never give me back my funds and may close the account. They already closed my debit card. If I did not have cash or other funds in an online account I would be completely screwed. I will stick to my online fintech account from now on.
show more
show less
Product: Citizens Bank Checking
Comment
0
0
Citizens Bank
Matt Raymond @mpr4769
Report Abuse
1 Star Rating
WORST!! Citizens bank stole 2500 dollars from me!! I Deposited $2500 in cash into the ATM before it froze on me and a month later they sent me a letter saying there was no error at the ATM and STOLE my hard-earned money from me!! My account is -$3000 with the mortgage and bills coming out this week and citizens does not care about me being late on my bills when I trust them with my hard-earned money! Citizens bank does not care about their customers none of their bank managers inside the branch locations have any authorization to do anything for you everything gets sent up top until you’re so sick of calling and waiting on hold that probably 90% of people just give up one of the worst banks experiences I have ever delt with!!
show more
show less
Product: Citizens Bank Checking
Comment
0
0
Citizens Bank
stephspuria @stephspuria
Report Abuse
5 Star Rating
Staff (both in person and online) are always friendly, respectful and helpful. Although virtual banks may be easy to navigate for the millennials, this 50+, proud AARP member, appreciates face to face service!
show more
show less
Product: Citizens Bank Checking
Comment
0
0
Citizens Bank
nabilh_3 @nabilh_3
Report Abuse
1 Star Rating
This bank is one of the worst institutions I have met in my life. They made me a problem and they don't want to help me solve it. All I need is a pay of in order to be able to do refinancing and as a result I lose money every month and I feel frustrated.
show more
show less
Product: Citizens Bank Mortgages
Comment
2
0
Citizens Bank
desireegray1982 @desireegray1982
Report Abuse
1 Star Rating
I signed up in April to get my $300 bonus but when it was time to pay me they told me my reference number was used by someone else which is impossible because as soon as I got the flyer I signed up online. They are refusing to pay me my money
show more
show less
Product: Citizens Bank Business Services
Comment
0
0
Citizens Bank
laurenl_21 @laurenl_21
Report Abuse
1 Star Rating
Verified Customer
Was supposed to get 5% cash back for home improvement purchases but never received it and when I called customer service they said it was only for certain people with a code even though it was everywhere in the branch. They said a manager would but the code in for me. Called back again after waiting a week and using my card and not getting the credit again. Customer service just gave me the run around. I hurt my credit score for a basic credit card that I didn’t need. Citizens lied about the 5%.
show more
show less
Product: Citizens Bank Credit Cards
Comment
0
0
Citizens Bank
Bekzod @bekzoda
Report Abuse
1 Star Rating
The worst credit card company does not apply for their credit card very bad customer service not experienced, even manager don't know anything and long waiting time on the phone.
show more
show less
Product: Citizens Bank Credit Cards
Comment
1
0
Citizens Bank
joe joe @skichair22
Report Abuse
1 Star Rating
The branch at 152 Everett Ave, Chelsea, Massachusetts is the worst. waiting in line for over 20 minutes to withdraw money, because drive thru machine always run out of money or mostly because it is always under repair (broken), poor customer service probably bad management. Going inside entrance of building only has one atm and has the same issues as drive thru. When branch is open there is another atm (fairly new) which runs out of money also, so wait in line 20 minutes to do a two minute transaction so sad this location has for customer experience management needs to step up its bar right now it is at bottom good news is that it could be worse
show more
show less
Product: Citizens Bank Business Services
Comment
0
0
+3879 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 Ink Business Preferred® Credit Card offers 1 - 3 points per $1 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 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.
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.
