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TAP & GO WITH OUR CONTACTLESS DEBIT CARD

Citizens offers a contactless debit card for secure and quick purchases. Connect
to your digital wallet, manage through our mobile app†, and more.

Get Started


✕


WHY CITIZENS


BANKING THAT STANDS AND GROWS WITH YOU

Financial solutions for your stage of life and beyond

Checking

Credit Card

Home Loans

Wealth Management

FEATURES


BANKING THAT STANDS WITH YOU

Easy and valuable features


GET PAID UP TO 2 DAYS EARLY1

Citizens Paid Early™ gets you paid up to 2 days early when you have direct
deposit1. No need to sign up and it`s absolutely free.

How do I get paid early


REVERSE OVERDRAFT FEES WITH EASE

Mistakes happen! Get extra time to cover your overdrafts with Citizens Peace of
Mind™2

Reverse Overdraft Fees


STAY ON TOP OF YOUR FINANCES

We know there’s a lot to keep track of. Citizens iQ™ brings attention to
personalized spending and saving trends.

Track your Spending


ACCESS YOUR MONEY ANY TIME

Citizens Connect™ lets you access your money anywhere online & at 1,000 branches
and over 3,000 ATMs3

Locate a Branch or ATM

REWARDS


BANKING THAT GROWS WITH YOU

CitizensPlus™ - benefits that grow as your relationship grows*

One Deposit Checking From Citizens Bank™
 * One Deposit Checking From Citizens Bank™
 * Citizens Quest® Checking
 * Citizens Private Client™ Checking


REWARDS FOR
ONE DEPOSIT CUSTOMERS

Best if...
If you are looking for a simple solution for everyday banking. Just 1 deposit
per statement period to waive $9.99 monthly maintenance fee.

Start Here

CREDIT CARD REWARDS7

1.8% cash back on everything with a Citizens Cash Back Plus™ card

MORTGAGE DISCOUNTS

0.125% Automatic Payment Discount9

HOME EQUITY LINE OF CREDIT DISCOUNTS

0.25% Automatic Payment Discount11

EDUCATION REFINANCE LOAN

Get a 0.25% Automatic Payment Discount14 and a 0.25% Loyalty Discount15 with all
Citizens checking accounts


REWARDS FOR
CITIZENS QUEST CUSTOMERS

Best if...
If you are looking for a relationship account with extra features, without extra
fees. $5,000 total deposits to your primary checking each statement period or
$25,000 in combined deposit and investment balances across your linked accounts
to waive $25.00 monthly maintenance fee

Start Here

RATE BOOSTER4

At least 25% higher than One Deposit4

INVESTMENT BOOST

 * Up to $1,0005
 * 0.50% match on funding in a new managed investment relationship

NO ATM FEES

No charge from us to use non-Citizens ATMs3

UNLIMITED FAMILY BANKING

Unlimited linked checking and savings accounts for your family

CREDIT CARD REWARDS7

1.9% total cash back when you spend $10,000+ annually with a Citizens Cash Back
Plus™ card8

MORTGAGE DISCOUNTS

 * 0.125% Automatic Payment Discount9
 * $250 off closing costs10

HOME EQUITY LINE OF CREDIT DISCOUNTS

 * 0.25% Automatic Payment Discount11
 * Annual fee waiver12

EDUCATION REFINANCE LOAN

Get a 0.25% Automatic Payment Discount14 and a 0.25%Loyalty Discount with all
Citizens checking accounts15.


REWARDS FOR
PRIVATE CLIENT CHECKING CUSTOMERS

Best if...
You are looking for a team of financial professionals that can assist you with
banking, lending, and investing. Maintain $200,000 in combined deposit and
investment balances to qualify

Start Here

RATE BOOSTER4

At least 50% higher than One Deposit

INVESTMENT BOOST

 * Up to $2,0006
 * 1% match on funding in a new managed investment relationship

NO ATM FEES

No charge from us to use non-Citizens ATMs and unlimited refunds on ATM fees
charged by other banks3

UNLIMITED FAMILY BANKING

Unlimited linked checking and savings accounts for your family

CREDIT CARD REWARDS7

2% cash back with a Citizens Private Client™ World Elite Mastercard®

MORTGAGE DISCOUNTS

 * 0.125% Automatic Payment Discount9
 * $500 off closing costs10
 * Additional rate discounts may be available

HOME EQUITY LINE OF CREDIT DISCOUNTS

 * Annual fee waiver12
 * 0.25% Automatic Payment Discount11
 * 0.25% rate discount13

EDUCATION REFINANCE LOAN

Get a 0.25% Automatic Payment Discount14 and a 0.25% Loyalty Discount with all
Citizens checking accounts15.


✕

ADVICE


PERSONALIZED ADVICE

We are with you every step of the way


ONE DEPOSIT CHECKING FROM CITIZENS™

 * Access to a Citizens Banker
 * Insights and alerts with Citizens IQ


CITIZENS QUEST® CHECKING

 * Access to a Citizens Banker
 * Access to our Financial Advice Center
 * Insights and alerts with Citizens IQ
 * Dedicated toll-free number with agents offering priority service


CITIZENS PRIVATE CLIENT™ CHECKING

 * Dedicated Relationship Manager
 * Certified Financial Planner®
 * In-person Financial Advisor
 * Dedicated toll-free number with agents offering expedited service


EARN 1.8% CASH BACK ON EVERYTHING YOU BUY**

Yes, everything. That means your earning potential is unlimited.

Learn More


MEET OUR 2023 CHAMPIONS IN ACTION

Our Champions are dedicated to improving environmental sustainability in their
communities.

Discover Their Impact


PAY FOR COLLEGE WITH MULTI-YEAR APPROVAL‡

College prep is a lot, but the right college funding can be a lot off your back.
Especially if one application could fund every school year.

Learn More


ADVICE TO HELP GET YOUR FUTURE IN SHAPE

Advice to help get your future in shape

Find an Advisor
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© 2023 Citizens Financial Group, Inc. All rights reserved. Citizens is a brand
name of Citizens Bank, N.A. Member FDIC

† Wireless carrier, text and/or data charges may apply.

* CitizensPlus™ benefits cannot be applied in addition to other promotional
benefits or discounts that we may offer from time to time. In order to qualify
or maintain CitizensPlus, you must maintain an open and active Citizens Quest™
or Citizens Private Client ™ Checking account. We may evaluate accounts
periodically to determine qualifications and have the right to remove benefits
based on failure to meet qualifications. Benefits subject to change.

** Earn 1.8% cash back on everything. To qualify, you must open a new Citizens
Cash Back Plus™ World Mastercard®. All purchases must be posted to your account
within the promotional period. Balance Transfers, money orders, gift cards, wire
transfers, lottery tickets, gambling charges or unauthorized charges to your
account are not considered eligible purchases The cash back reward will post to
your account once all of the terms of the offer have been met. Your cash back
reward will appear on your statement as “Spend Reward”. Your account must be
open and in good standing at the time the cash back rewards are credited. The
Cash Back Plus Rewards Program is governed by the terms and conditions set forth
in the Reward Guide. You will receive the Reward Guide with your Cardholder
Agreement. The Reward Guide will explain the program, including the following:
A) Earn cash back rewards of 1.8% on all eligible net purchases. A net purchase
is the amount of a purchase less any credits, returns and adjustments. Certain
transactions do not qualify for cash back rewards. For example, balance
transfers, cash advances, account fees or charges, interest charges, life
insurance charges, money orders, wire transfers, lottery tickets, gambling
charges, or unauthorized charges to your account do not earn cash back rewards.
Please refer to your Reward Guide for complete program terms and conditions. B)
Cash Back Rewards will not expire as long as your credit card account is in good
standing and you make an eligible purchase once every twelve (12) months. C)
Program subject to change. D) You are solely responsible for any taxes that may
be owed as a result of cash back rewards earned and/or redeemed under this card.
Please consult your tax advisor. E) Other terms may apply and will be included
in the Agreement.

‡ Multi-Year Approval: Funds available for future use are subject to a soft
credit inquiry at time of your next request to verify continued eligibility.
After we make the initial Loan to you, we may refuse to allow you to take out
additional loans under the Multi-Year Approval feature, terms and conditions
will be outlined in your promissory note.

2Citizens Peace of Mind®: Citizens Peace of Mind provides additional time to
bring your account to a positive available balance and reverse Overdraft Fees.
If your account is overdrawn, you have up until 10:00 PM ET the following
business day (e.g., if your account is overdrawn at the end of the day Monday,
you have until 10:00 PM ET Tuesday) to deposit enough funds to cover all of the
overdraft items (minus the fees), and any additional transactions that post to
the account that day. If the available balance, excluding the overdraft fees, is
positive (greater than or equal to $0) at the end of the following business day,
any overdraft fees will be reversed. When determining the amount you need to
deposit to take advantage of Citizens Peace of Mind, you can check your balance
in the Citizens mobile app or Online Banking and then consider transactions that
may post to your account that day - such as checks or other debits. As we do not
see these transactions until they are presented for payments, only you know what
transactions may post to your account and how much you need to deposit. A
deposit that only partially covers transactions or overdraft items will not
result in a fee reversal. All deposits are subject to our Funds Availability
schedule. This schedule helps you determine when a deposit you make will
increase your available balance. For example, some deposits types such as checks
drawn on a bank other than Citizens, even if made by 10:00 PM ET the next
business day, are not available to cover transactions that day. But a deposit of
cash, a Citizens check, or an electronic funds transfer will generally be
available to cover the transactions. For information on our Funds Availability
Policy, please visit citizensbank.com/overdraft or see your Personal Deposit
Account Agreement. Citizens Peace of Mind is available on personal checking
accounts and does not apply to Overdraft Line of Credit Transfer Fees.

IMPORTANT DETAILS ON OVERDRAFT COVERAGE: When we pay a transaction that
overdraws your account, we will charge you an Overdraft Fee of $35 per item
paid. When we return a check or ACH transaction unpaid because your account had
insufficient funds, we will not charge you a fee. We will limit to 5 the number
of Overdraft Fees charged on any one business day, up to a total of $175. Once
you have overdrawn your account, you must bring it to a positive balance as soon
as possible. Whether your overdrafts will be paid is discretionary and we
reserve the right not to pay. For example, we typically do not pay overdrafts if
your account is not in good standing or if the overdraft amount is excessive.

2 Overdraft Fees will be reversed if your account is overdrawn, and you deposit
enough funds to bring your account to a positive available balance (minus
overdraft fees) by 10:00 PM ET the following business day. All deposits are
subject to our Funds Availability schedule. Learn more at
citizensbank.com/peace-of-mind

3 Non-Citizens ATM owners may charge a fee. Fees charged by Non-Citizens ATM
owners will be rebated for Citizens Private Client™ and Citizens Private Bank™
accounts.

4 Deposit boosters exclude certificate of deposit (CD) rates. Citizens Quest and
Citizens Private Client Deposit Rate Boosters do not apply to other promotional
rate offers.

5 Investment Boost Citizens Quest Checking: To earn a match of up to $1000, open
and fund a new managed money relationship with Citizens Securities, Inc./
Clarfeld (excluding Specifi). For purposes of this offer, the qualifying balance
shall mean incoming assets (including cash and securities) that remain on
deposit for 90 days following investment account opening (the “accumulation
period”). Qualifying assets transferred in totaling $200,000.00 will receive the
full $1,000 match. Qualifying assets transferred in less than $200,000.00 will
receive a 0.50% match that will be calculated at the end of the accounts 90 day
accumulation period.  Qualifications: You must have a Citizens Quest checking
account and a Citizens Securities, Inc. or Clarfeld – (excluding Specifi)
managed money investment account, both must be open and active for 60 days
following your Citizens Securities/Clarfeld, Inc investment account accumulation
period. Eligibility: One-time promotional bonus is available only to one
individual per household. Household must be new to Citizens Securities,
Inc/Clarfeld, to qualify for the bonus. Household for this CitizensPlus offer is
defined as individuals residing at the same address. Bonus will be deposited to
a Citizens Quest checking account within 60 days following the above noted 90
day accumulation period and will be labeled as “Balance Builder Bonus.” Bonus
will be reported to the IRS for income tax purposes.

6 Investment Boost Citizens Private Client Checking: To earn a match of up to
$2,000, open and fund a new managed money relationship with Citizens Securities,
Inc./ Clarfeld (excluding Specifi). For purposes of this offer, the qualifying
balance shall mean incoming assets (including cash and securities) that remain
on deposit for 90 days following investment account opening (the “accumulation
period”). Qualifying assets transferred in totaling $200,000.00 will receive the
full $2,000 match. Qualifying assets transferred in less than $200,000.00 will
receive a 1.00% match that will be calculated at the end of the account’s 90 day
accumulation period. Qualifications: You must have a Citizens Private Client
Checking account and a Citizens Securities, Inc. or Clarfeld – (excluding
Specifi) managed money investment account, both must be open and active for 60
days following your Citizens Securities/Clarfeld, Inc. investment account
accumulation period. Eligibility: One-time promotional bonus is available only
to one individual per household. Household must be new to Citizens Securities,
Inc./Clarfeld, to qualify for the bonus. Household for this CitizensPlus offer
is defined as individuals residing at the same address. Bonus will be deposited
to a Citizens Private Client Checking account within 60 days following the above
noted 90 day accumulation period and will be labeled as “Balance Builder Bonus.”
Bonus will be reported to the IRS for income tax purposes.

7 Cash Back Plus Rewards: The Cash Back Plus Rewards Program is governed by the
terms and conditions set forth in the Reward Guide. You will receive the Reward
Guide with your Cardholder Agreement. The Reward Guide will explain the program,
including the following: A) Earn cash back rewards on all eligible net
purchases. A net purchase is the amount of a purchase less any credits, returns
and adjustments. Certain transactions do not qualify for cash back rewards. For
example, balance transfers, cash advances, account fees or charges, interest
charges, life insurance charges, money orders, wire transfers, lottery tickets,
gambling charges, or unauthorized charges to your account do not earn cash back
rewards. Please refer to your Reward Guide for complete program terms and
conditions. B) Cash Back Rewards will not expire as long as your credit card
account is in good standing and you make an eligible purchase once every twelve
(12) months. C) Program subject to change. D) You are solely responsible for any
taxes that may be owed as a result of cash back rewards earned and/or redeemed
under this card. Please consult your tax advisor. E) Other terms may apply and
will be included in the Agreement.

8 Credit Card — Citizens Quest: When you spend ten thousand dollars or more on
your card annually, you will earn Bonus Points of 0.10% for every dollar spent
on eligible net purchases. Annual spend based on your Cash Back Plus Credit Card
Account anniversary. These Bonus Points are exclusive to Citizens Quest®
Checking Customers and are subject to Citizens Quest Checking account approval
and ongoing program qualification requirements. If you are eligible for Bonus
Points, this bonus will be paid in the month following your Cash Back Plus
Credit Card anniversary and will include all bonus points earned during the
previous year. This Rewards Program and additional bonus points are subject to
Citizens Quest Checking account approval and ongoing program qualification
requirements.

9 Mortgage Auto-Pay Discount: In the following states: NH, VT, MA, RI, CT, NY,
NJ, DE, PA, OH, MI , a Citizens consumer checking account set up with automatic
monthly payment deduction and e-statement enrollment is required at time of loan
origination to be eligible for a 0.125 percentage point mortgage interest rate
discount. All other states require a consumer checking account set up with
automatic monthly mortgage payment deduction. E-statement enrollment is required
at time of loan origination to be eligible for the 0.125 percentage point
interest rate discount. One offer per property. Not applicable to Bond or CRA
loan programs. Other exclusions and restrictions may apply.

10 Mortgage Closing Costs Closing cost discount offer cannot be combined with
other closing cost discount offers. Borrower or co-borrower on mortgage
application must be listed as account holder on Citizens Private Client Checking
or Citizens Quest Checking account in order to be eligible for the discount.
Checking account must be opened prior to mortgage loan closing.

11 Home Equity Line of Credit Auto-Pay Discount: Save 0.25% off your rate for
customers with a Citizens consumer checking account, set up with automatic
monthly payment deduction at the time of origination.

12 Home Equity Line of Credit: Variable Annual Percentage Rate (“APR”) based on
The Wall Street Journal Prime Rate (“Prime”) published on the last business day
of the prior month (8.50% APR as of 10/31/2023). Maximum APR 21%. Minimum APR
cannot be lower than 2.50%. Eligible properties include owner-occupied 1-to
4-family properties, condominiums and second/vacation homes. Ineligible
properties include, but are not limited to: investment property (defined as
non-owner-occupied property), a co-op, mobile home or manufactured housing.
Property must be located in AL, AR, CT, DC, DE, FL, GA, IA, IL, IN, KY, MA, MD,
ME, MI, MN, NC, NE, NH, NJ, NY, OH, OK, PA, RI, SC, SD, TN, VA or VT. Rate and
terms are subject to change and credit approval. Home equity lines of credit are
available in first or second lien positions. Not available for homes currently
for sale. Homes previously listed for sale must be off the market for at least
90 days prior to application. Property insurance required. Flood insurance may
be required. The Annual Fee is waived for the Citizens Home Equity Line of
Credit if you have a Citizens Private Client Checking or Citizens Quest Checking
account open and active at the anniversary of your Credit Line when the Annual
Fee would be assessed. If you do not meet this requirement, the Annual Fee of
$50 will be charged to your Credit Line Account. Citizens offers Home Equity
Lines of Credit as low as $17,500, but terms may vary.

13 HELOC/Private Client Discount: Citizens Private Client Checking customers
will receive 0.25% off their offered home equity line of credit (HELOC) interest
rate if they have an open Citizens Private Client Checking account at the time
their Citizens HELOC application is submitted.

14 Student Education Refinance Automatic Payment Discount: Borrowers will be
eligible to receive a 0.25 percentage point interest rate reduction on their
student loans owned by Citizens Bank, N.A. during such time as payments are
required to be made and our loan servicer is authorized to automatically deduct
payments each month from any bank account the borrower designates. Discount is
not available when payments are not due, such as during forbearance. If our loan
servicer is unable to successfully withdraw the automatic deductions from the
designated account three or more times within any 12-month period, the borrower
will no longer be eligible for this discount.

15 Education Loyalty Discount: The borrower will be eligible for a 0.25
percentage point interest rate reduction on their loan if the borrower or their
co-signer (if applicable) has a qualifying account in existence with us at the
time the borrower and their co-signer (if applicable) have submitted a completed
application authorizing us to review their credit request for the loan. The
following are qualifying accounts: any checking account, savings account, money
market account, certificate of deposit, automobile loan, home equity loan, home
equity line of credit, mortgage, credit card account, or other student loans
owned by Citizens Bank, N.A. Please note, our checking and savings account
options are only available in the following states: CT, DC, DE, FL, MA, MD, MI,
NH, NJ, NY, OH, PA, RI, VA, and VT and some products may have an associated
cost. This discount will be reflected in the interest rate disclosed in the Loan
Approval Disclosure that will be provided to the borrower once the loan is
approved. Limit of one Loyalty Discount per loan and discount will not be
applied to prior loans. The Loyalty Discount will remain in effect for the life
of the loan.

SpeciFi ℠ is made available through CSI. Portfolio management services are
sub-advised by SigFig Wealth Management, LLC (“SigFig”), an SEC registered
investment adviser. SigFig is not an affiliate of CSI, or Citizens Bank, N.A..

Citizens Wealth Management is comprised of both banking and brokerage affiliated
companies.

Mortgages are offered and originated by Citizens Bank, N.A. (NMLS ID# 433960).
All loans are subject to approval.

Visa is a registered trademark of Visa International Service Association.

The Contactless Symbol and Contactless Indicator are trademarks owned by and
used with permission of EMVCo, LLC.

Mastercard is a registered trademark, and the circles design is a trademark of
Mastercard International Incorporated.

Securities, Insurance and Investment Advisory Services offered through Citizens
Securities, Inc. ("CSI"). CSI is an SEC registered investment adviser and Member
- FINRA and SIPC. One Citizens Bank Way, JCB135, Johnston, RI 02919. CSI is an
affiliate of Citizens Bank, N.A.

Securities, Insurance Products and Advisory Services are:

· NOT FDIC INSURED · NOT BANK GUARANTEED · MAY LOSE VALUE · NOT A DEPOSIT · NOT
INSURED BY ANY FEDERAL GOVERNMENT AGENCY







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