Citizens Online Banking

Citizens Bank offers a wide range of online services for its customers, including twenty-four hour access to account information, online bill pay, and the ability to download up to eighteen months worth of banking records into a home accounting package like Microsoft Money or Quicken. Citizens online banking offers convenience and access for customers, along with outstanding customer service and FDIC protection to protect deposits.

Citizens online banking is covered by a 100% fraud protection guarantee; if unauthorized online transactions occur, Citizens Bank will cover the losses and customers will have no liability so long as they report the suspicious activity within two days of its discovery. Citizens online banking also provides outstanding technical security using state-of-the-art encryption techniques and secure login technology to protect customers against unauthorized access to their accounts. Citizens Bank’s online customer service department is available twenty-four hours a day, seven days a week to handle any problems or concerns that may arise.

One of the most useful features of Citizens online banking is the ability to receive and pay bills online. Citizens Bank is equipped to accept e-bills from numerous utilities and other companies; customers can make one-time payments or set up a recurring payment plan to pay their bills. Payments may be scheduled for up to one year in advance, and Citizens even keeps a record of all payments online for reference. In most cases, payments can be made in less than 48 hours, allowing customers to exercise complete control over their financial transactions.

For consumers who have a mortgage with Citizens Bank, even more information is available through Citizens online banking. Borrowers can obtain current information regarding their mortgage, including when the last payment was received, escrow holdings, date of last insurance and property tax payments, and current amount due. Customers can also set up automatic mortgage payments or make payments directly from their Citizens accounts, offering additional convenience and flexibility.

Citizens online banking offers customers the chance to examine or download detailed information about each of their accounts with Citizens Bank, including outstanding and pending charges to accounts, any funds that may be temporarily unavailable or on hold, and images of cancelled checks. For added convenience, Citizens online services can retrieve up to eighteen months of bank activity; this is exceptionally helpful for tracking expenses and figuring deductions at tax time. Citizens Bank customers can also transfer money between various accounts at any time, although transfers made after banking hours may not be reflected until the next business day. Customers can also sign up for mobile alerts to track their accounts more closely; these text messages can alert customers to low balances or notify them regarding specific transactions involving their accounts.

Citizens Bank is currently in the process of enhancing its online banking services; expected changes include a new, easier-to-use interface and the ability to transfer funds to accounts held by other customers at Citizens Bank or to outside financial institutions. While Citizens online banking is not yet on a par with the leaders in online financial services, Citizens Bank continues to add features and improve its services in order to better meet its customers’ needs and offers comparable online features to those available from most other banks.