Citizens Bank (RI)

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48 Month CD - Platinum Plus

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Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
0.50%	1-year CD	14 Month CD 1.05% - Ally Bank High Yield 12-Month CD
0.05%	Savings	CollegeSaver 1.00% - Ally Bank Online Savings Account
0.10%	4-year CD	48 Month CD 1.40% - Ally Bank Raise Your Rate 4-Year CD

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Overview / Commentary

www.citizensbank.com

800-922-9999

One Citizens Plaza
Providence, RI 02903

Citizens Bank (RI) is headquartered in Providence and is the largest bank in the state of Rhode Island. It is also the 24^th largest bank in the nation. It was established in 2005 and as of June of 2016, it had grown to 14,772 employees at 857 locations. Citizens Bank (RI) has an A+ health rating.

10/20/13 - TD Bank Wants To Buy Citizens
5/9/13 - Charter One & Citizens Bank $175 Checking Account Promotion for Several States
2/8/13 - $150 Checking Account Bonus at Citizens Bank in Several States
9/18/12 - CD and Credit Card Specials at Citizens Bank in Several States
5/21/12 - Checking & Money Market Account Bonuses of up to $225 at Citizens Bank in Some States
5/15/12 - Citizens Bank Is Latest To Settle Suit On Overdraft Fees
3/22/12 - Higher Checking Account Fees At Citizens Bank
10/31/11 - College Savings Account At Citizens Bank & Charter One
10/24/11 - Citizens Bank's Checking Promo: $200 & $240 Bonuses
9/9/11 - Higher Wire Transfer Fees at Wells Fargo and Citizens Bank - Wire Alternatives
9/7/11 - Higher ATM Fees & Paper Statement Fees at PNC, US Bank & Citizens Bank
6/13/11 - $100 Checking Account Promotion at Citizens Bank in Some States
4/14/11 - $240 Checking Account Promotion at Citizens Bank in Some States

Reviews (24)

Featured Account Options

My Bank

Posted by: Friars | May 3, 2016

I cannot say enough good things about my experience with Citizens Bank over the years. My original mortgage was through them and I currently have two home equity lines of credit through them. The rates I receive are very competitive. They have several convenient branch locations,most of them being in Hannaford supermarkets which is where I shop. They also offer IRAs which I have through them. I also have a savings account with a very competitive rate. I do most of my banking and bill payment through their website. When I do use the local branch, the manager and all personnel treats me like family. I highly recommend Citizens Bank to anyone in need of a good financial institution.

Reply

2

Long-Term Account Holder, Mostly Satisfied

Posted by: Anonymous | Apr 16, 2011

I have banked with RBS' Charter One Bank in IL for about ten years now, and I can say that, for the most part, they are a decent bank. Granted, my needs are few; I don't write many checks, deposit even less, do no online banking, and only visit the walk-in branch a couple times a year. So, for my needs, COB has served me nicely. They don't hound me with junk mail or sales calls, their branch staff always seems very polite, and, until recently, their fees were (not great but) tolerable. In fact, if not some new fees lately that seem rather petty (and hopefully will be short-lived), I would have given them 4 stars.

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4

Accounts Closed And Money Given To Another Person

Posted by: Eugene70 | Aug 15, 2013

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.

8

A Decent Bank, Except For Their New Fees Lately

Posted by: dbg123 | Apr 16, 2011

I have been with Citizens' Charter One bank in the Midwest for about 10 years, and overall I must say, if your needs are low, they are a fine bank. I write a few checks per month, deposit even less, don't do online banking, and visit the walk-in branch a couple times a year. For that, COB has always seemed nicely okay. They also treat (me) well: their fees are (not great, but) tolerable, I seldom get their sales mail or calls, and their in-branch and telephone staff have always been polite, if a little in-flexible at times. In fact, if not for some recent new annoying fees (that hopefully will be short-lived), I would have given them 4 stars.

2

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Health

A+

Data as of Q2 2016

Learn more about bank health

Health Grade Components

Overall
FDIC Certificate #	57957
Year Established	2005
Employees	14772
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.72%
Return on Equity - YTD	4.89%
Annual Interest Income	$1.62B

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$113B$106.9B
Loans	Q2 2016vs Q2 2015	$83.20B$77.23B
Deposits	Q2 2016vs Q2 2015	$79.36B$74.34B
Equity Capital	Q2 2016vs Q2 2015	$16.52B$15.95B
Loan Loss Allowance	Q2 2016vs Q2 2015	$994.4MM$977.5MM
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$902.2MM$773.7MM
Real Estate Owned	Q2 2016vs Q2 2015	$38.9MM$28.7MM

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

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Citizens Bank (RI) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%^†	-	-	CollegeSaver
0.05%^†	-	-	HomeBuyer Savings
0.01%^†	-	-	Green Savings
0.01%^†	-	-	Business Savings

Citizens Bank (RI) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.01%^†	-	-	Personal Money Market

Citizens Bank (RI) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.07%^*^†	$250k^*	-	Citizens Bank Platinum Plus Checking
OTHER TIERS: 0.03% → Up to $25k \| 0.05% → $25k - $250k
0.02%^†	-	-	Citizens Bank Platinum Checking
0.01%^†	-	-	Association Checking with Interest

Citizens Bank (RI) CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.45%^†	$1k	-	48 Month CD - Platinum Plus
1.35%^†	$1k	-	14 Month CD - Platinum Plus
1.20%^†	$1k	-	48 Month CD - Platinum
1.10%^†	$1k	-	14 Month CD - Platinum
0.50%^†	$1k	-	14 Month CD
0.40%^†	$1k	-	Business 12 Month Fixed Rate CD
0.20%^†	$10k	-	12 Month Breakable CD - Platinum Plus
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	-	48 Month CD
0.10%^†	$10k	-	12 Month Breakable CD - Platinum
0.05%^†	$10k	-	12 Month Breakable CD

Locations

Citizens Bank (RI) has 1,204 locations. Click to view all Citizens Bank (RI) locations.