Citizens Bank
reviews and complaints

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.

I opened my citizens bank one deposit checking account online with the help of a coupon in December 2016. The offer said I will get a bonus of $150 when I make a direct deposit of $250 or more within 60 days of opening the account. I had the direct deposit set up and everything was fine.

I checked with customer care of citizens bank towards the mid of March 2017. Upon checking my account and direct deposit details the representative asked me to wait for couple of more days as the bonus will be paid within 90 days from the date of direct deposit and not within 90 days of opening of account.

I checked again after couple of days to receive my biggest surprise of the year. I hear a completely different tale now. I was informed that the direct deposit amount required was $500 and not $250 to receive the bonus. I tried to explain my experience with the previous customer care representative who informed me that everything was fine with my account.

Citizens bank is not trustworthy, atleast in my case. They didn't keep the promise they made to me. How do I trust them? This is clear case of fraud and cheating.
I would inform about this to all my colleagues and friends who are planning to bank with citizens bank.

On March 27, 2017, I made a cash deposit into my account. I could not make the deposit at the Hermitage, PA branch as the ATM there indicated that service was unavailable. I proceeded to a nearby bank with an ATM and made the deposit there. On March 30, 2017, I noticed that I was charged a fee for making the deposit there which was not disclosed. Further, Citizens put a hold on the funds for 6 Business days until April 3, 2017. I could see this being a valid action if it was a check deposit, but it was not. This has been a recurring problem with Citizens. Since the bank has discontinued circle gold checking, fees for everything, and interest rates at 0.01%, I am seriously starting to shop for other banks that provide better services.

Why Don't your atm machines warn you of any fee's on screen like most of them when you use them. Like for instance, I used one of your atm's to check my balance only. When I got home to check my account's online, I noticed that there was a $2.00 charge on my account. I know my bank will reimburse
for the charge, but that is not the point. Had I known of the charged I would have walked away.

Disappointed Consumer.

It is always inconvenient when you deposit a check and theres a hold on your money. Thats why I love that you can simply tell the associate "I would like to cash & deposit" my check. Because then they cash it out and put it in your account theres no hold on it. Today, I went to a new associate I guess she new there, thats what the guy said, and this lady puts a hold on my money despite I gave her verbal instructions to do the way I've always done for years to avoid a hold on my funds. Then when I call to get this rectified, she wants to get an attitude. Ok, if your going into this bank in Philly on Spring Garden, then you should know theres only 3 staff in there thats nice and treat you with courtesy, the rest are pure rude, and next time I know if its someone that has never helped me before, they wont be helping me period. I need someone who knows what they're doing. Oh I forgot to say how I asked her questions that she didnt even know the answers to!

I had fraud on my account november 2016. It is now about to be march 2017. All the branches from citizens bank lied to me about the fraud has been submitted. So now it has been given to dda and they are saying I have to pay this money back. I refuse to pay back money that was stolen from me while they claimed my account was frozen! Then they said it never was frozen when I have the document in hand stating it would be during the time this is supposed to be handled. Can someone please tell me how I can proceed to get this taken care of because even the recovery center at citizens said I have to pay for what somewhat did to my account. I am absolutely livid.

I was enrolled in overdraft protection. On the 6th (of Feb.) I made 2 paypal payments. On the 8th I withdrew $20 at the ATM, then got gas in my car (leaving an available balance of about $70) Then later that day (purposefully in this order) I ordered heating oil, knowing I would get an overdraft fee, but was okay with that because there was a blizzard coming so I wanted to make sure oil was there before I put more money in the bank. I have receipts / documentation of all of these things with the time and dates.
When I looked at my bank statement I had 4 overdrafts for the 2 paypal charges on the 6th and ATM, gas on the 8th, listed along with the oil as being charged on the 9th. No overdraft for the oil. Makes no sense and is obviously manipulated to take 4 instead of 1 overdraft. They always say as soon as you use the card it puts a hold and the money becomes unavailable, except for when they can hold off and charge more overdrafts evidently. I have the receipts, time, dates and in what order. They clearly lie. They've just been sued again for violating the tcpa act, got to make up the loss somehow. This bank does not care about their customers at all. They then hit me with a $30 service charge. All of this taken from (clearly labeled) child support money that was deposited. The absolute lowest of the lows. They should be put out of business and sued again for how they're manipulating bank accounts. If there's a lawyer out there that wants to take them on, I'm in, with many other people, I'm sure, just look at their reputation online.
I literally do not trust these people with my money now. I feel like everyday I don't know what I'll see when I look at my bank account.

Citizens bank total team was incompetent. They asked for mountains of information which was provided. The loan officer was new and totally incompetent, the loan processer did not return calls for days. The district manager consistently said she would call back - and didn't. Regional manager never ever returned a call. These people should be put out of business. Never ever use these people.

hello my name is Theresa stereo owner of AC Roofing
we are still having a huge issue with citizens bank they still will not release my money Jeff will not talk to us first they said the checks have cleared now there saying they didn't and making up stories the checks was deposited on nov 28 2016 and DEC 6 2016 so how could these checks not clear. We also have statement from the bank from where the checks came from and they produced evidence that the founds was available and have cleared and tooken out of the customers account the bank and everyone we speak with from citizens customer service are giving different stories. i have spook to several ppl with citizens bank and not one could give me the info that i need there just tell me there sorry and that each person i talked to missed informed me.i dont like to be lied to . i have a lot money in the bank I need help if you can please call me at [protected]

On November 23 I checked my account and it provided me with the wrong balance.i was in a hurry that I didn't have time to make sure it was correct so I made sure everything that was suppose to go thru went thru so I rented a movie and my account for the rest of the week did not provide me with the correct info.so when I was able to find out what was going on i have inquire some overdraft fees.they lady I talk to on the phone discover that my movie rental reimbursed and the hulu charge is what caused it to go over.i explained that on my end it went thru and if I new that my account went in the negative by and dollar I would of hurried and put that dollar in however I was not sure what was the correct balance cause my account kept on giving me different balances.the lady was able to take care of the 35 overdraft fee but she was not able to take care of the 30 dollar fee that I kept getting charged with.so I talk to her supervisor and he just treated me like I don't know how to keep track of my balances.so I went into the bank and the guy there treated me the same way and then he start to check if there was a computer problem and my girlfriend has been having a problem with her account adding up slowly and she told the guy that and he said did u report the problem.and my girl said yes many times however no one is taking it seriously to attempt to fix it. I don't appreciate how we was treated and it should of been handled better.i need a bank I can trust and that don't give me a hassle to fix a issue.im very disappointed and I need a better solution to these fees I was charged with.

My husband used my account this month thinking our car insurance had already come out when it had not. So on 11/22 it came out (never comes out on the same day) and over drafted my account by around 40. On 11/23 my check was direct deposited. I called to see if I could have the fee removed and I was told no because I had a fee removal in March. I understand you are entitled to one a year. As you can see from my extensive history of banking with you I generally overdraft my account once a year with the occasional exception. I fail to understand after allowing you to manage my money for 30+ years you cannot make an exception for this situation. Last year I received a small check because your bank had been found guilty of charging illegal fees, yet I still stayed with this bank. There are banks out there that offer grace periods and exceptions so after all this time, if you can help me, I guess I will need to move my business elsewhere. I am very disappointed in the treatment I received today when I called. I have only stayed with this bank out of convenience, but I will go where I can be treated with respect and have an understanding that people make mistakes sometimes.

This bank is ridiculous. They charged me $4.99 because my savings account balance was $ 100.00 for 15 hours. I had withdrawn $400.00 yesterday and transferred it back from my checking this morning. I contacted customer service and they responded with no care in the world. I will now have to take time out of my busy work schedule to withdraw all of my money to close these darn accounts. As it is, my Credit Union has better interest rates for savings ?!?!? Please avoid Citizens bank at all costs as they will nickel and dime you to death if you do not play their games. Their e-mail customer service additionally never works. I have tried to submit a form 11 times already an instead had to wait on hold for 4 1/2 minutes to receive NO customer service. Citizens Bank is a horrible business who does not care about their customers. I should have closed it a couple of months ago when I originally started to withdraw my savings to deposit it into my Credit Union account.

This bank is ridiculous. They charged me $4.99 because my savings account balance was $ 100.00 for 15 hours. I had withdrawn $400.00 yesterday and transferred it back from my checking this morning. I contacted customer service and they responded with no care in the world. I will now have to take time out of my busy work schedule to withdraw all of my money to close these darn accounts. As it is, my Credit Union has better interest rates for savings ?!?!? Please avoid Citizens bank at all costs as they will nickel and dime you to death if you do not play their games. Their e-mail customer service additionally never works. I have tried to submit a form 11 times already an instead had to wait on hold for 4 1/2 minutes to receive NO customer service. Citizens Bank is a horrible business who does not care about their customers.

I went up to the teller and asked nicely for 4 rolls of quarters please he said sorry but I have no quarters, it has been a very busy day with all of our merchants coming in I have no more. I said really I come in her every week and have no problem he said well I don't have any today. This gentleman has never waited on me before and I know they have to go and get them from a back room, I feel he just didn't want to get them for me if my regular teller would have been there I would have had no problem. I have done my banking with them since they opened in Pa and was never once told they ran out of quarters or any other coins or bills. I have NEVER heard of a bank running out of money, I quests I better take out all of mine before I can't even get a dollar or a quarter.

I had Citizen's Bank in 2008. I closed the account, due to relocation, and was told by the teller I only had a $1 pending charge (it was for USPS to have my mail forwarded) and that if I left $1 in the account the balance would be zero and the account would close automatically. Sure enough a month later I got statements from Citizen's saying I owed overdraft fees. They accumulated for months. I ended up having to declare bankruptcy (I was unemployed and had other debt). The overdraft fees were taken care of in the bankruptcy filing, but I was also placed on the Chex Systems list, meaning I couldn't open another bank account anywhere. All of this because a teller told me the wrong information, or because Citizens wanted the overdraft fees. Either hire someone who speaks better English or review your overdraft policy. It has been over 5 years and I am off the Chex System, but I refuse to ever use a bank again. I'm currently with a credit union and have been satisfied.

On october second i maid a deposit for 60, and the counter person that i don't now his name but he is a dude, put 30 in the deposit and i dint question it since am not good at math in my head..And now they are saying that his drawer was not over so there is no way i gave him 60 instead of 30...To day october 6 at 1225 to 1245 waiting for the manager that never showed up but was there and they said to me she will call you ### soon as she can...Am not a rich person to dis miss 30 dollars that went an disappear in the air...And the dude is new and there was this other older dude supervising him and he maid a mistake we are all humans . And they don't want to pull the cameras for me to see...How inconvenient

Citizens Bank is corrupt and takes people's hard earned money. Talk about nickel and diming you to death! I asked them to please put a cap on my accounts so that if I don't have enough money in my checking account a transaction cannot be processed. They told me they couldn't do it! I always put the money back in immediately after the account has been over drawn and I always get a $35 charge. In the last 4 days, they have charged me $225 in over draft fees. Money has been really tight since my business closed and with all of the bills this month I was overdrawn by $350 but put the money back in a day later. They just kept on charging me! I called to complain but they didn't want to hear it. Banks used to be for the people. A safe place to put your money where you could gain interest. Now a days, there are so many banks popping up everywhere, and not only are interest rates on a savings account a joke but it actually costs me more to keep my money in a bank than without! No more big banks for me, either in a safe or in a local bank for my money from now on! Boycott Citizens Bank

On Friday August 7th, 2015 I was told to pay overdraft fees(228.00) and once the credit for $39 for bounce fees was applied from the citizen's bank supervisor the account would be closed. Well 2 weeks later I checked the account to make sure it was closed and it's not. Instead, Citizen's bank reopened my account just to make it negative again and failed to notify me of these fees or transactions have occurred. I received no correspondence and I have day to day overdraft fees. Someone intentionally left my account open to have me incur further fees. I have tried to speak to several customer service supervisors and reps. After further review of the case and reading of notes mysteriously the supervisors are disconnected after I have been waiting 20-25 minutes to speak with one and then you are thrown back into the same pit of waiting and explaining to someone that can not assist you. Citizens bank is operating ILLEGALLY and they need to be disciplined. Small business owners can not afford this kind of set back. Sincerely Yolonda @ Marian's Thangs

I had a $4 overdraft transaction occur and they charged me $6. I reminded them that they have a $5 Overdraft Pass, they say it's the amount of the original transaction NOT the amount that is actually overdrafted! REALLY because that seems like a consumer disclosure violation. When I see "No Overdraft Fee on any overdraft transaction $5 or less" and they say that's my interpretation, I have to wonder just how much of a scam this bank really is. I've been a customer for more than a decade and can't believe the treatment I received while talking to a manager named Tom W. (who wouldn't give me his last name) nor would he transfer me to his manager. I'm filing a complaint with the BBB and with the Attorney General simply for principal!