Citizens Reviews (38)

Rated 3.64 stars out of 5 - based on 28 reviews with ratings

  • Nov 18, 2023 |

    Online Savings Rates

    bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest.

  • Oct 18, 2023 |

    Online CDs 12 Month Rates

    Citizens is just a great CSR experience in every way imaginable (user interface, phone support, etc.) compared to any of these other places on this list. Also, a recognized and positive brand (at least throughout the northeast). I just renewed a 1-year CD with them and highly recommend. (Four 1/2 stars because I wish the rates were further towards to top of this table).

  • Jan 18, 2023 |

    Online Savings Rates

    The website is constantly down. I'll move all my accounts to a less recognized name with a better rate as that gives me fewer surprises like this.

  • Sep 1, 2022 |

    updated review - The bank managed to finally provide the requested document listing the beneficiary after a number of calls. So will add a few stars. The website still needs some work to be more descriptive of the transfer information. It is pretty useless as all it has is generic info with no bank information listed under the source of the transfer. Pretty mediocre for a bank listed as having over 160 billion in assets.

  • Sep 1, 2022 |

    I'm only comfortable with banks whose names I recognize and among those 4 or 5 I have found Citizens consistently has the best rate in 2022. Also outstanding service. I will stick with this one over anything else on this site.

  • Aug 31, 2022 |

    I had high hopes that this account would work out. No problems with opening and funding it with 5K deposit. However trying to get to a printable beneficiary document attached to the online account is a real hassle. They say 2 to3 days to do this which is a bogus claim. I figured why keep even 5K in this bank if they cannot fulfill this basic task? So I submitted a transfer out leaving only one dollar in the account. On the plus side, this bank has a very quick ACH transfer out as the 5K showed up in the external account the next day. The plan was to keep 250K in this account to earn some interest. However, if they fail on the beneficiary document will just end up closing it. Not going to deal with this crap and will leave the money in Marcus and make less interest but at least there is a beneficiary showing on the account. Because I think the ease of managing the beneficiary is the most important criteria they deserve no stars. However, with the ACH transfer speed they still get a 1/2 a star.

  • Aug 29, 2022 |

    Online Savings Rates

    It is a recognized name with a reliable brand that I knew before ever looking for an online bank. + great rates + great service = no reason to look anywhere else. It does not disappont.

  • Aug 4, 2022 |

    Online Savings Rates

    Worse website of any online bank. Transactions are NOT identified except by amount. When several transactions like deposits or transfers are made they are only identified by monetary amounts with no names to ID source. It's a guessing game and you need to call customer service to find out details of the transactions. No problem if you make a single transaction but if more than one, then good luck trying to figure out what went where or where what came from. Absolutely no details provided except for the amount. Closing my new account asap! Not worth all the aggravation for their lack of adequate record keeping.

  • Jul 30, 2022 |

    Online Savings Rates

    Unable to sign in online consistently using Firefox, Chrome, and Safari. Error message pops up saying to try again or call customer service. Calling customer service is no help because it's an IT issue and they can't solve the problem.

  • Jun 25, 2022 |

    Online Savings Rates

    The easiest to use and best service of the online accounts!

  • May 17, 2022 |

    Online Savings Rates

    Through the years I experimented with the leading online brands to find the best mix of quality, reliability and competitiveness. I thought Purepoint was the best, and Citizens was second, but Purepoint seems to be going out of business so I am moving everything here!

  • Feb 12, 2022

    Disappointed that initially this bank had a very competitive savings rate....but they are now near the bottom of rates. Not sure why they have decided to change their strategy as far as being an attractive alternative to other savings institutions.

  • Jan 27, 2022

    Used BestCashCow to find a good local CD rate. The rates provided by CashCow were about twice what the banks actually pay. I checked with the banks! Don't depend on this woefully inaccurate website. Waste of my time.

  • Oct 28, 2021 |

    The website is easy to use. The savings rates for an online bank are terrible.

  • Aug 25, 2020 |

    Online Savings Rates

    I cannot say that I am too happy about the rate, but the service on this one is excellent.

  • Feb 28, 2020 |

    Online Savings Rates

    I've had accounts with all the most recognized banks on this list. CItizens Access is the best. Followed closely by Purepoint and then my Marcus. The others have awful websites (CIT, Synchrony) or awful customer service (Sallie Mae, Cap1, Synchrony again). I have nothing to gain personally from saying this, but if where the rates are close, chose this one.

  • Feb 14, 2020 |

    Online Savings Rates

    This is the best bank on the list. Sure rates have come down and all that, but they are still competitive and their service is second to none.

  • Aug 10, 2019 |

    Online Savings Rates

    It was a grand entrance but the bank has given up being competitive.

  • Aug 5, 2019 |

    Online Savings Rates

    Got sucked into this one with all of the hoopla and advertising and now the service and the rate suck. It is like Synchrony. I am going to close this down and go for a smaller bank with better service.

  • May 7, 2019 |

    Online Savings Rates

    These things can come and go. Service can start off great and turn terrible (Synchrony). But, for now, this one is the best. I've been very pleased so far.

  • May 1, 2019 |

    Online Savings Rates

    The one show stopper with Citizens access is that you cannot add a beneficiary. You can do this easily with Barlcys, Ally, Marcus and even Synchrony onlin.

  • Apr 12, 2019 |

    Online CDs 18 Month Rates

    Thank you to BestCashCow for making it so easy to find the best CD rates.

  • Apr 4, 2019 |

    Online Savings Rates

    This is far and away the best outfit listed on this site. Best interface, best transfer speed, best service, etc. Nothing more to say.

  • Feb 6, 2019 | | Replies 1

    Online Savings Rates

    I cannot say enough good things about this. I was hesitant to move my account over from another well known bank, but the CD rates were much higher and I wanted to put some of my cash in savings and some in CDs so I moved it all over. I wish I had moved it over earlier. The website is just so easy to use!

    Client | Feb 24, 2019

    I agree they have a brilliant easy to use website. The best ever. None of the others come close. I especially love their transparency in which case you can view daily your interest rate. Some of the sites do not even show you anything until the end of the month once a month.

  • Jan 21, 2019 |

    Online Savings Rates

    I have been very pleased with this online bank so far. I thank this website for showing it to me when it was first launched. I also had an account at Synchrony which I just finally closed. The rate at CitAccess is much higher and the website is much easier to use.

  • Nov 25, 2018 |

    Online Savings Rates

    I have had many of these accounts over the years. My best experiences were with Ally and my worst were always with Synchrony. The bank that is now called Marcus is great because they won't charge you a fee for anything. This is the same, but easier to use and offers higher rates.

  • Nov 17, 2018 |

    Just moved my money from BOA to Citizens Access savings account. Huge difference in favor of CA. I also want to hold off investing until I see what the Feds are going to do with the interest rates in mid December. This will effect CD's etc. The online process was smooth. Customer service has been very accessible each time I've called the past few days. All great for now. P.S. Consider the Arbitration Agreement: I opt out and sent a letter signed to them. Mail it certified. Read the fine print.

  • Nov 15, 2018 |

    Online Savings Rates

    Just opened a new online savings account. Very smooth process. They also do NOT do a hard pull on your credit file. Great website.

  • Nov 6, 2018 |

    Online CDs 12 Month Rates

    I've opened online CDs before. This was the easiest ever. Such an easy website to use!

  • Oct 24, 2018 |

    Online Savings Rates

    I've had a couple of these online accounts over the years. This was easier to sign up for and manage than any of them.

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