Citizens Bank, National Association
For information concerning Citizens online bank, please click here.
Citizens Bank, National Association ACH Number: 241070417
Citizens Bank, National Association is an FDIC insured institution headquartered at
1 Citizens Plz, Providence, RI 2903.
It was founded in
2005 and has approximately $227 billion in
assets. Customers can open an account at one of its 863 branches.
Deposit Rates - March 23, 2023
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
0.10% | $10,000 | Compare |
|
6 Mo CD
|
0.10% | $100,000 | Compare |
|
18 Mo CD
|
0.10% | $10,000 | Compare |
|
18 Mo CD
|
0.10% | $100,000 | Compare |
|
24 Mo CD
|
0.10% | $10,000 | Compare |
|
24 Mo CD
|
0.10% | $100,000 | Compare |
|
30 Mo CD
|
0.10% | $10,000 | Compare |
|
30 Mo CD
|
0.10% | $100,000 | Compare |
|
36 Mo CD
|
0.10% | $10,000 | Compare |
|
36 Mo CD
|
0.10% | $100,000 | Compare |
|
48 Mo CD
|
0.10% | $10,000 | Compare |
|
48 Mo CD
|
0.10% | $100,000 | Compare |
|
60 Mo CD
|
0.10% | $10,000 | Compare |
|
60 Mo CD
|
0.10% | $100,000 | Compare |
| VARIABLE IRA RATES | APY | MIN |
|---|---|---|
|
Var IRA
|
0.05% | $1 |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
Int Ckg
|
0.03% | $1 |
|
Int Ckg
|
0.03% | $2,500 |
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Featured 30-Year Fixed Mortgage Rates
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NMLS ID: 66066.503% $1,556 Fees & Points $4,022 Total
0.957 Pts ($2,392)
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NMLS ID: 4474905.807% $1,459 Fees & Points $1,552 Total
0.621 Pts ($1,552)
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Overview 2023
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 57957 |
| Date Established | 2005 |
| Assets | $ 226.53 billion |
| Loans | $ 156.20 billion |
| Deposits | $ 180.87 billion |
| Capital | $ 23.20 billion |
Summary Balance Sheet
| ASSETS | |
| Cash & Balances due from depository institutions | $ 8.47 billion |
| Interest-bearing balances | $ 7.05 billion |
| Total securities | $ 33.67 billion |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 156.20 billion |
| Loan loss allowance | $ 1,979.72 million |
| Trading account assets | $ 1,464.81 million |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 13.79 million |
| Goodwill and other intangibles | $ 9.70 billion |
| All other assets | $ 14.13 billion |
| Total Assets | $ 201.28 billion |
| LIABILITIES | |
| Total deposits | $ 180.87 billion |
| Interest-bearing deposits | $ 127.69 billion |
| Deposits held in domestic offices | $ 180.74 billion |
| % insured (estimated) | 52.73% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | $ 2.11 billion |
| Other borrowed funds | $ 14.77 billion |
| Subordinated debt | $ 1,125.00 million |
| All other liabilities | $ 3.80 billionn |
| Total Liabilities | $ 201.28 billion |
| Shareholders’ Equity | $ 25.25 billion |
Summary Income Statement
| INCOME AND EXPENSES | |
| Total Interest Income | $ 4.81 billion |
| Total Interest Expense | $ 424.59 million |
| Net interest income | $ 4.39 billion |
| Provision for loan and lease losses | $ 342.00 million |
| Total non interest income | $ 1,362.50 million |
| Total non interest expense | $ 3.49 billion |
| Pre-tax Net Operating Income | $ 1,077.19 million |
*Should any logos, images or public notes appear on this page,they do so courtesy of Citizens Bank, National Association and are not subject to approval of RatesAndInfo.com. RatesAndInfo.com expressly disclaims all responsibility for this content.
Customer Reviews for Citizens Bank, National Association (5)
Rated 2.60 stars out of 5 - based on 5 reviews
Branches
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Citizens Bank, National Association Locations
Savings Comparison
This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.
PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES
Tax Rate: 30%
All calculations are for demonstration purposes only.
- 1LOCAL CDBankRHODE ISLAND$50,0006 Month0.10%0.35x (National Avg. - 0.29%)$10,000-SCENARIO
Year Rate
0.10%Annual
InterestAnnual Interest
(After Tax)1 50,000 50 35 2 50,050 50 35 3 50,100 50 35 4 50,150 50 35 5 50,200 50 35 6 50,251 50 35 7 50,301 50 35 8 50,351 50 35 9 50,401 50 35 10 50,452 50 35 11 50,502 51 35 12 50,553 51 35 13 50,603 51 35 14 50,654 51 35 15 50,705 51 35 16 50,755 51 36 17 50,806 51 36 18 50,857 51 36 19 50,908 51 36 20 50,959 51 36 TOTAL $1,010 $707 - 2LOCAL CDOnline Bank-$50,00060 Month4.10%5.06x (National Avg. - 0.81%)$2,500-SCENARIO
Year Rate
4.10%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,050 1,435 2 52,050 2,134 1,494 3 54,184 2,222 1,555 4 56,406 2,313 1,619 5 58,718 2,407 1,685 6 61,126 2,506 1,754 7 63,632 2,609 1,826 8 66,241 2,716 1,901 9 68,957 2,827 1,979 10 71,784 2,943 2,060 11 74,727 3,064 2,145 12 77,791 3,189 2,233 13 80,980 3,320 2,324 14 84,300 3,456 2,419 15 87,757 3,598 2,519 16 91,355 3,746 2,622 17 95,100 3,899 2,729 18 98,999 4,059 2,841 19 103,058 4,225 2,958 20 107,284 4,399 3,079 TOTAL $61,682 $43,178 - 3LOCAL CDOnline Bank-$50,00024 Month4.30%7.76x (National Avg. - 0.55%)$2,500-SCENARIO
Year Rate
4.30%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,150 1,505 2 52,150 2,242 1,570 3 54,392 2,339 1,637 4 56,731 2,439 1,708 5 59,171 2,544 1,781 6 61,715 2,654 1,858 7 64,369 2,768 1,938 8 67,137 2,887 2,021 9 70,024 3,011 2,108 10 73,035 3,140 2,198 11 76,175 3,276 2,293 12 79,451 3,416 2,391 13 82,867 3,563 2,494 14 86,430 3,717 2,602 15 90,147 3,876 2,713 16 94,023 4,043 2,830 17 98,066 4,217 2,952 18 102,283 4,398 3,079 19 106,681 4,587 3,211 20 111,268 4,785 3,349 TOTAL $66,053 $46,237 - 4LOCAL CDOnline Bank-$50,00012 Month4.50%10.25x (National Avg. - 0.44%)$2,500-SCENARIO
Year Rate
4.50%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,250 1,575 2 52,250 2,351 1,646 3 54,601 2,457 1,720 4 57,058 2,568 1,797 5 59,626 2,683 1,878 6 62,309 2,804 1,963 7 65,113 2,930 2,051 8 68,043 3,062 2,143 9 71,105 3,200 2,240 10 74,305 3,344 2,341 11 77,648 3,494 2,446 12 81,143 3,651 2,556 13 84,794 3,816 2,671 14 88,610 3,987 2,791 15 92,597 4,167 2,917 16 96,764 4,354 3,048 17 101,119 4,550 3,185 18 105,669 4,755 3,329 19 110,424 4,969 3,478 20 115,393 5,193 3,635 TOTAL $70,586 $49,410
Abzo68
May 17, 2022 |
I have accounts at some of these other names where I make a little more, but if I need something (to access my cash or to cover an obligation somewhere), this is the place I go. Great service by phone too. I've been a customer for many years and I will be a customer long after I am done with most of these other banks.
Bedtime01
May 17, 2022 |
Once again, Citizens is most competitive of the quality names (Citizens, Ally, Synchrony, CIT). Best service too.
Liam1969
May 3, 2022 |
It started in a promising way several years ago but it is now a complete shit show. Changed the name and brand, then the website and now I am making a rate that is half the top rate. I feel like the guy who graduated from high school and was still hanging out in the parking lot two years later and smoking weed. It is time for me to go.
JamieS
December 22, 2021 |
I had not logged in for a while and wanted to check on my account, but the website now feels like watching Peanuts. Does not inspire confidence and the .40% rate doesn't thrill me either (others are going up).
Review on the Online BankElderguy
December 5, 2021 |
As a 65+ year old customer of over 4 years, I am enjoying the new enhancements to the website (not!). I first land on a page where the default setting is to take me to my student loan page and I have to indicate there that I am in fact a savings / CD customer! I sure am glad that I looked into 5year Cds with this bank that still pay over 2.5% and still have 2 1/2 years, but when they come due I will go somewhere else. In the meantime, this does little to inspire confidence or show that they value me as a customer.
Review on the Online Bank