Find a Branch/ATM Customer Service For You For Your Business Corporate Learning About Us Log in Banking Credit Cards Home Loans Student Loans & Refinancing Investing & Retirement Auto Loans Tools & Resources READY TO REIMAGINE YOUR HOME Unlock your home's potential with a home equity line of credit Start Now Popular Products Checking Accounts Compare Accounts Credit Cards Compare Credit Cards Student Loans See our Rates Home Mortgage See our Rates Ready to unlock your home's potential A home equity line of credit is the affordable way to fund all your home renovations. Start Here 5% cash back on absolutely everything** More is more! Treat yourself to 5% cash back on up to $6,000 spent on purchases within the first year. Learn More Ready for today and tomorrow Earn more on your cash as you invest for the future with SpeciFi Save & Grow™. Learn More Made Ready to drive forward Learn how Citizens is helping military veterans and their families. Read More We are excited to welcome select HSBC customers and employees to the Citizens family. Learn More Choose a goal and we’ll help make you ready to reach it. Trending Manage Your Debt Plan for Tomorrow Refinance Student Loans Your Home COVID-19 Resource Center: Ready to Move Forward Ready to Plan for College Making Mental Health a Priority Download our mobile app* Deposit checks and transfer funds Pay bills and add billers Easily freeze and unfreeze your Debit card Company About Us Career Community Help Contact Us Ask A Citizen Resources Branch Locator Site Map About Our Ads Site Requirements Security & Legal Privacy Policy Privacy Rights Accessibility © 2021 Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC Home equity lines of credit are offered and originated by Citizens Bank, N.A. (NMLS ID# 433960). All loans are subject to approval. Mortgages are offered and originated by Citizens Bank, N.A. (NMLS ID# 433960). All loans are subject to approval. *Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Must have a bank account in the U.S. to use Zelle. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc. 1At least one account holder must be under 25 years old. Account will switch to One Deposit Checking from Citizens® when all account owners are age 25 or older. 2The 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. 3Multi-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. Please Note: International Students are not eligible for Multi-Year Approval. ‡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 the following business day. All deposits are subject to our Funds Availability schedule. Learn more at citizensbank.com/peace-of-mind. Securities, Insurance and Investment Advisory Services offered through Citizens Securities, Inc. (“CSI”). Citizens Securities, Inc. is an SEC registered investment adviser and Member - FINRA and SIPC. One Citizens Bank Way, JCB135, Johnston, RI 02919. (800) 942-8300. Citizens Securities, Inc. is an affiliate of Citizens Bank, N.A.. 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.. 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 Banking products are offered through Citizens. Citizens is a brand name of Citizens Bank, N.A.. Deposit accounts held at Citizens Bank, N.A. are separately insured. Member FDIC *Wireless carrier, text and/or charges may apply. **Earn 5% in cash back rewards (an additional 3.2% cash back rewards in addition to the standard 1.8% cash back rewards) for eligible purchases on up to $6,000 within your first 12 months from account opening with your NEW Citizens Cash Back Plus™ World Mastercard®. To qualify, you must open a new Citizens Cash Back Plus™ World Mastercard® account online by 1/4/2022. You will continue to earn 1.8% cash back rewards on ALL eligible purchases once the $6,000 spend limit is reached, net of any credits, returns and adjustments. 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.