Citizens Bank, N.A.

Citizens Bank is a large regional bank headquartered in Providence, Rhode Island, and a subsidiary of Citizens Financial Group. It serves customers primarily in the Northeast, Mid-Atlantic, and Midwest, with branches and ATMs across states including Rhode Island, Massachusetts, Connecticut, New Hampshire, Vermont, Maine, New York, Pennsylvania, New Jersey, Delaware, Maryland, Virginia, Ohio, and Michigan.

For individual customers, Citizens Bank commonly offers checking and savings accounts, credit cards, home mortgages, personal loans, student loans, and auto loans. The bank is particularly recognised for its student loan refinancing products and its co-signer loan options for personal borrowers who benefit from having a creditworthy co-applicant.

Citizens Bank offers a mobile banking app that allows customers to manage accounts, pay bills, deposit checks, and transfer funds. For customers within its regional footprint, the bank maintains a network of physical branches and ATMs.

For businesses, Citizens provides business checking and savings, business credit cards, commercial loans, SBA loans, and treasury management services. Commercial banking and middle-market lending are recognised areas of the bank's business activity.

For home buyers, Citizens Mortgage offers conventional, FHA, and VA loan options. Student loan refinancing products through Citizens are available for borrowers looking to consolidate or reduce rates on existing education debt.

Citizens Bank is regulated by the Office of the Comptroller of the Currency and deposits are insured by the FDIC up to applicable limits. Rates, fees, and product availability vary by individual circumstances and location. Applicants should verify state availability before applying.