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 09/24/2025.
3.8
4,861 reviews
from WalletHub and across the web
4,861 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
jim1234surfer @jim1234surfer
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1 Star Rating
Citizens Bank recently changed the company handling their electronic payments, and they have made a mess of my car loan, my electric bill, my gas bill, and my AMEX bill. They didn't inform you about anything; transactions were just delayed or returned without any assistance in resolving the issue.
I had the gas and electric bill returned claiming the account was incorrect, even though it's the same account I have used for years. I went into the biller to edit it, and it has the correct account. What a disaster this transition has been. I should have closed out my accounts and pulled my savings and CDs.
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Product: Citizens Bank Checking
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Citizens Bank
Ronald Spunt @spuntron
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1 Star Rating
Opened an account, put in cash and cashier's checks from a previous bank in another state. They held it for 10 days, not allowing any use of my funds, and then closed the account, subtracting $42 from me, claiming I had used an ATM and withdrawn that amount. I did not. They wouldn't let me get access to any of it. They are thieves, in my opinion. Citizens Bank is very disappointing.
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Product: Citizens Bank Checking
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Citizens Bank
Judith Lawson @judial123
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2 Star Rating
Citizens Bank has very poor customer service. Recently, my bill payment from Citizens to my Chase credit card was never received. When this was brought to the attention of Citizens, I was told I may have made the error. Then, when I went back 5 days later, I was told it wasn't their problem but a third-party bill payment issue and to call them. This treatment is abusive and unacceptable for a bank. After 30 years with this bank, I am taking my money elsewhere.
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Product: Citizens Bank Checking
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Citizens Bank
Joe Ro @bazingalenny333
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1 Star Rating
Citizens Bank recently revamped their online bill payment system; they should have left well enough alone! The new system is a nightmare for re-linking your billers to your Citizens account. They really messed up with this one. The new system requires you to go to the biller's website and log-on to link accounts. One problem is that many credit card companies and businesses (Best Buy, Kohl's, etc.) do not require you to set up an online account when applying for credit. Citizens' new system sends you to the biller's website to link accounts, and you end up having to set up usernames, passwords, and personal information to log-on with them. In addition, Citizens' online bill payment IT department is having issues with their own system, giving customers error messages. This whole process is ridiculous, and I am thinking about switching banks.
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Product: Citizens Bank Credit Cards
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Citizens Bank
Regina @tazziebutt0
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1 Star Rating
Went to the store to get food. Citizen Bank froze my card. Unhappy, unsatisfied, and will be looking for a new bank because how is it my money, and I'm unable to use it I've banked with them for over 3 years and I've never had this problem now it's an issue and I can't do anything about it until tomorrow
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Product: Citizens Bank Checking
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Citizens Bank
Mur Fox @foxcpa43
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1 Star Rating
The bank manager at Citizens Bank at the Levittown, PA address completely misrepresented to me that if I transferred $25,000 to my money market account, I would be entitled to the $500 promotion in April. I called them today and they informed me I had to transfer to a savings account and not a money market account. Since my money market rate was only 0.02%, I left the $25,000 there for the $500 promotion. I was totally misinformed by the branch manager. I will make sure all my clients know of this misrepresentation. Being a CPA, my clients will listen to me.
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Product: Citizens Bank Savings
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Citizens Bank
adam_ruddle @adam_ruddle
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1 Star Rating
The most incompetent bank in America? I think so. They have lost money, repeatedly reviewed complaints incorrectly, and have some of the least helpful business practices and customer care processes imaginable. I was forced to transfer from HSBC. Don't do it! Run, don't walk.
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Product: Citizens Bank Checking
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Citizens Bank
sammy Sewy @nikeonstrike
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1 Star Rating
I transferred money from my Citizens Bank account into a CD, and it was withdrawn from my account but never deposited into my CD. This bank is a total disaster. I would never use it again; it is the worst old-fashioned bank in the U.S.
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Product: Citizens Bank Checking
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Citizens Bank
Billie Orr @READYYORRNOTT
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1 Star Rating
Absolute worst bank. Deposit your paycheck, and you'll wait eight days for it to clear. My payroll department said my check cleared their bank last week on August 8, the day after I deposited it on August 7. Here we are five days later, so far, and my check is still on hold to "verify funds." If the funds are out of my company's account, they're clear, yet Citizens Bank is telling me it's going to take until August 15 to "verify funds." Citizens holds your checks as long as they can to collect the interest. It all adds up. They're scam artists. They don't care about people trying to pay bills and feed their families. As long as they can collect the interest off every cent you deposit, they don't care. I will be reporting them to the OAG, OIG, BBB, and FTC. I will also be sending this to DOJ and recommending they get investigated for banking fraud.
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Product: Citizens Bank Checking
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Citizens Bank
William Hefner @wjhefner
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1 Star Rating
I presented Citizens with clear evidence of fraud against my account, and I was basically told I was a liar. I initially called in about credit fraud (multiple $25.00 Target charges across the country) and spoke to a representative. They assured me that everything was taken care of and I had nothing to worry about. I was given a confirmation number.
Two days later, I called again after hundreds more dollars in fraudulent charges popped up. I was told that the first representative did nothing and not to worry; it would be taken care of. The representative said again that this was fraud. I was given a second confirmation number.
Hours later, I called again after I saw a few hundred dollars more in charges appear. It turns out the second representative locked down my card (not compromised) and not my wife’s card (which was compromised).
After all that, three calls in to get this situation handled, I was told no... that the phone number used in conjunction with the card was correct, so Citizens was not refunding the money that was fraudulently taken.
Citizens... What sort of customer calls three times to get a fraud charge handled if the customer is the one committing the fraud?!
Oh... and zero fraud alerts while this happened.
Worst bank ever. Horrible customer service. You'd be better off burying your cash in the backyard.
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Product: Citizens Bank Checking
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Citizens Bank
shondamuse9 @shondamuse9
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1 Star Rating
My experience with Citizens Bank has been awful, and I just placed a large amount of money with them. Their customer service is terrible. Once they get your money, they treat you poorly. They hold your money and make it difficult for you to access your own funds. The mobile app is flawed, and the branch personnel are not helpful and unable to do what they claim they can do. I have money with them that I can't even access. I do not recommend this bank at all. I banked with the Flatbush branch in NYC, and my experience has been a nightmare. I am removing every dime I have in that bank. They're holding my money after promising me clearance. No good. I lost a very important deal due to Citizens Bank. The customer service is deplorable.
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Product: Citizens Bank Business Services
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Citizens Bank
theo_nicholaidis @theo_nicholaidis
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1 Star Rating
The Absolute Worst! Opened an enhanced account, transferred money from my other bank into it, Citizens closed my account after 12 hours with no explanation, sending me a letter to let me know they will send a check for the money I had just added. When I called to find out what was going on, I was told that the decision comes from corporate and they couldn't tell me why. Been with Capital One 360 for a decade, wanted to try a bank that has local branches, only to deal with this. Totally unethical behavior! Went back to Capital One 360.
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Product: Citizens Bank Checking
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Citizens Bank
Steven B @Steven_Bielinski
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1 Star Rating
I am extremely disappointed with my experience at Citizens Bank. On June 13, I deposited my payroll check through their mobile app, only to have my online banking access restricted the very next day—without any explanation. For nearly two weeks, I was unable to access my account or manage my finances, which caused significant financial harm due to returned payments and fees.
Despite multiple calls and escalations, I received no clear answers or support. I even spoke with Kimberly A. Noll, Director of the Office of the Customer, who assured me her team was working to resolve the issue. However, the very next day, I was told my account would be closed—again, with no explanation or compensation for the fees I incurred.
I have never experienced such poor, unresponsive, and unfair treatment from any other financial institution. If you value reliable customer service and transparency, I strongly advise you to avoid Citizens.
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Product: Citizens Bank Checking
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Citizens Bank
zee loo @castleofanthrax
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1 Star Rating
Good luck getting a hold of anyone, ever. Pro tip: If you are running into the issue of not knowing your full account number, since the email only gives you the last four digits, use the phone options to get to a service where they think you'll buy something new in order to get a human on the line. It's the only way to talk to someone.
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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 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 or by using the Citizens Bank mobile app.
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
You can apply for a Citizens Bank credit card either online or over the phone at (888) 333-5145. Alternatively, you can submit a credit card application at a nearby branch location. Applying for a Citizens Bank card online is the best approach because you can access their website anytime.
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by WalletHub: Citizens Bank Everyday Points® Business Mastercard®.
