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Beware Bont Go To This Bank

Dont go to this bank , I agree very high fees , they dont care if you are a customer for 30 years they have no loyalty they are all about making a buck on the customer, I have been banking with the same bank even though they changed hands four times first it was albany sabings bank, then they changed to Albank, then it was Charter one, then Citizens now RBS Citizens , I actually feel bad for RBS getting involved in citizens bank . I liked RBS they always have been helpful and understanding.   Not Citizens bank if you are 50 cents short in your account instead of giving you the 50 Cents they will charge you 37.00 ,, also $3.00 everytime you dont use their atm. forget about customer service they dont care and they dont help. after all the loyalty you give them they dont care at all. I am going to take my mortgage , my checking accounts somewhere else as soon as possible < I have had it with this bank.  I will be sure to share the information with all my friends , family and the world until they get the message . I hope no-one out there fall for banking with them god help you if you do because they will rake you over the hot coals.   


Michelle A Plew

Horrible Online Banking

Worst banking experienece ever. I have several other online banks and have never had problems with any of them.  I have had my account at Citizen's about three weeks and have been on the phone with their rude, unhelpful staff at least 20 times already.  Transfers from other banks either don't work or take a week or more for your funds to show up.  I have had transfer disappear.  I was given a confirmation number that I was told was a ficticious number from a department that didn't exist.  The supervisor told me I must have called the wrong number and given my financial information to a stranger.  Unfortunatly, there are no branches in this area so I have to use online banking, but it SUCKS.

Accounts Closed And Money Given To Another Person

I am assuming a happy ending to today's mess with Citizens, but I am still in shock this happened.  

My stepson went to the bank, Endicott, NY, I believe.   He closed all of his accounts.   He had 3 or 4.   I assume they gave him the money from his accounts.   They also gave him the money from MINE.....all 4 of mine.   I would not have known this happened had I not set up to receive e-mail when the balance on one of those accounts went below a certain amount.  When I went to my account online to check on the balance just mentioned, I found all of my accounts with a CLOSURE WITHDRAWAL leaving a ZERO balance in all accounts.  I just do not understand how this could happen.   I know they are working hard to resolve the problem, but I find this very disconcerting and disappointing.  

Accounting Trickery To Increase Number Of Fees

I wasn't able to make a deposit to prevent an overdraft because the bank closed very early before a holiday, and my account became overdrawn that evening. The bank then re-ordered the posting order of the withdrawals so that I was charged three $39 fees instead of one fee. When I went into the bank after the holiday, they said they would refund ONE of the fees, meaning that I would have to pay two fees -- even though I should have been charged just one fee. I ended up yelling at the bank manager, and I closed my account. I had been a good cu stomer for six years, but that didn't matter to them. These people REALLY don't care about their customers.



Data for Q1 2014

RBS Citizens, National Association consists of multiple companies with separate FDIC numbers. Click on an FDIC number to view the health for that company:

57957 - RBS Citizens, National Association
57282 - Citizens Bank of Pennsylvania

Institution Health

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 RBS Citizens, National Association had $1.08 billion in non-current loans and owned real-estate with $16.72 billion in equity and loan loss allowances on hand to cover it. This gives RBS Citizens, National Association a Texas Ratio of 6.45% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for RBS Citizens, National Association decreased slightly from 7.57% as of March 31, 2013 to 6.45% as of March 31, 2014, resulting in a positive change of 14.71%.This indicates that the balance sheet and financial strength for RBS Citizens, National Association has improved slightly in recent periods.

Deposit Growth


In the past year, RBS Citizens, National Association has decreased its total deposits by -$7.84 billion, resulting in -9.86% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth RBS Citizens, National Association has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. RBS Citizens, National Association has $96.04 billion in assets with $16.72 billion in equity, resulting in a capitalization level of 17.41%, which is excellent.

Institution Statistics

FDIC Certificate #57957
Year Established2005
Primary RegulatorOCC
Assets and Liabilities
Assets$96.04 billion
Loans$71.44 billion
Deposits$71.62 billion
Equity Capital$15.66 billion
Loan Loss Allowance$1.06 billion
Unbacked Noncurrent Loans$1.04 billion
Real Estate Owned$37.01 million
Historic Data - March 2013
Assets$105.11 billion
Equity Capital$18.94 billion
Loan Loss Allowance$1.01 billion
Unbacked Noncurrent Loans$1.04 billion
Real Estate Owned$68.38 million
Profit Margin - Quarterly
Net Interest Margin3.08%
Return on Assets0.57%
Return on Equity3.53%
Interest Income$700.76 million

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RBS Citizens, National Association Savings Account Rates

0.10%--HomeBuyer Savings
0.01%--Circle Gold Savings
0.01%--Green Savings
0.01%--Business Savings

RBS Citizens, National Association Money Market Rates

0.10%$25k-Business Money Market
0.05%--Circle Gold Money Market
0.01%--Personal Money Market

RBS Citizens, National Association Checking Account Rates

0.01%--Circle Gold Checking with Interest
0.01%--Personal Checking with Interest
0.01%--Association Checking with Interest

RBS Citizens, National Association CD Rates

1.05%$1k-48 Month Circle Gold CD
0.60%$1k-10 Month Circle Gold CD
0.40%$1k-Business 12 Month Fixed Rate CD
0.25%$1k-48 Month CD
0.20%$10k-12 Month Breakable Circle Gold CD
0.15%$1k-Business 15 Month Fixed Rate CD
0.15%$1k-Business 18 Month Fixed Rate CD
0.10%$1k-Business 3 Month Fixed Rate CD
0.10%$1k-Business 6 Month Fixed Rate CD
0.10%$1k-Business 9 Month Fixed Rate CD
0.10%$1k-10 Month CD
0.05%$10k-12 Month Breakable CD

RBS Citizens, National Association IRA Rates

1.05%$250-48 Month IRA
0.60%$1k-10 Month Circle Gold IRA
0.25%$250-48 Month Circle Gold IRA
0.10%$1k-10 Month IRA

RBS Citizens, National Association has 1,383 locations. Click to view all RBS Citizens, National Association locations.