We opened a Citizens Bank Checking account last year after we saw a $100 promotion flyer. After being with Citizens Bank, we feel so regret having account with this bank for almost a year. Citizens Bank gave us impression that they don't care customer service at all and all they wanted from customer is just charge as much money from customer account as possible.
First of all, their online banking system is a junk system. It will not allow you reset password after you type into all security questions, and they don't offer 7x24 customer support. So you can be caught if you need do something with your money within your account in a urgent situation.
The second, they will charge you $10 every month if you have no activity with your account. The worst thing is they will do everything they can think to charge you the service fee. To avoid service charge, I set up an automatic monthly transition from my other bank to my account in Citizens Bank. However, what they did was refuse my incoming transfer so that they can keep charging me the $10 monthly fee. After multiple months, I discovered this issue, I decided to close my account, and use bill pay function to take the remaining balance out as a payment check. However, after weeks after I deposited my check into my account in another bank, I received a letter from my other bank notifying me that the bill payment check from Citizens Bank was rejected due to account could not be located. How could my account not be located when I still have thousands of dollars of balance still in my account? Citizens Bank charge me $10 more dollars service fee because when I discovered the issue it has already rolled into the next month, plus I was also charged for a return check fee by the other bank.
The third, Citizens Bank's customer service was terrible. When I brought my returned check back to Citizens Bank, they first tried to blame me for the issue, and then blame the online banking system to be the problem, which could be true. However, they offer no resolution or apology to me and simply said they have nothing to do with their online banking system and I had to talk their online customer support. Are they belong to the same Citizens Bank?
My advise is: there are plenty of banks out there that provide good products and good service, stay away from Citizens Bank if you don't want be over charged and don't want have frustration. I believe this bank will not last long unless they change the way they are doing business.