Training Example: Citizens Financial Group, Inc. – Review the Data, Give Your Score & Compare to the Real AI Evaluation

[H1] Welcome to simplified checking and payments.
Seamlessly switch banks, switch your direct deposit, and streamline saved payment methods. Open a checking account.
Get Started

[IMG: Citizens App Preview]

Checking Accounts

Savings Accounts

Credit Cards

Home Equity Line of Credit

[IMG: Women paying with card for coffee]

[H3] A card for where you are and where you're going
Looking to establish credit,1 earn cash back, or access exclusive events? We've got a credit card tailored to where you are and where you're going.

[IMG: A mother and her son]

[H3] Pay for college with Multi-Year Approval**
College prep is a lot, but the right college funding could lighten the load. Especially if one application could cover every school year.

[IMG: A child pretending he is a plane being held up by his father]

[H3] Money in as little as two weeks
Meet Citizens FastLine®, the simpler, faster way to get a Home Equity Line of Credit. Get your rate with no impact to your credit score.

[IMG: Phone image of checking account on app]

[H2] Turn your spare change into savings with Round Ups‡
We made savings easier by letting you round up your debit card purchases to the nearest dollar. You can even set additional savings amounts to get to your goals even faster.
Start SavingAdditional Savings Options

[H2] Customer service at your finger tips

[H3] Mobile and Online Banking
Citizens offers digital ways to bank from anywhere. Learn more below on how to make a mobile check deposit2 and more on the go.3

[H3] Contact Us
Find the information you need to contact Citizens by phone, chat or in-person.

[H3] Find a Branch or ATM
Use our branch locator to find branch information and ATM locations.

[H3] Meet with a banker
With a Citizens Checkup®, our bankers can help you focus on what's important and map out a plan for your future.

©
Citizens Financial Group, Inc. All rights reserved. Citizens Bank, N.A. Member FDIC

** Multi-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, you must continue to meet eligibility criteria to obtain additional funds under the Multi-Year Approval feature. Terms and conditions are outlined in the promissory note. Multi-Year Approval borrowers have a 99% approval rate on future requests for additional funds. The additional funds approval rate is based on the percentage of approved Multi-Year borrowers from Citizens between October 1, 2024 and October 1, 2025. The approval rate represents only borrowers who had previously accepted the Multi-Year Approval offer. Please Note: International students are not eligible for Multi-Year Approval.
‡ Subject to account eligibility. Customer must have an open Citizens personal savings and personal checking account. Only available on the Citizens Bank Mobile Banking application. Text and data rates may apply. Round Ups subject to available funds. Additional amount of transfer determined by customer.
1 Citizens reports information about your Account to credit bureaus. Payments made by your billing statement due date can help build or establish your credit. Negative credit information, including late payments, missed payments, or other defaults on your Account may be reflected in your credit report and may adversely impact your ability to build credit. Subject to individual credit approval.
2 Mobile Deposit account eligibility requirements, deposit limits and other restrictions may apply. Data use fees may apply.
3 Wireless carrier, text, and/or data charges may apply.
Credit cards are issued by Citizens Bank, N.A. pursuant to license by Mastercard International Incorporated.
Home Equity Lines of Credit and Mortgages are offered and originated by Citizens Bank, N.A. NMLS ID# 433960
[IMG: Equal Housing Lender Logo]
Equal Housing Lender. All loans are subject to approval.
Banking products are offered through Citizens Bank, N.A. For Deposit products, Member FDIC.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

[H1] Citizens Customer Service Center
Fast and friendly support to help you bank with confidence anytime, anywhere.


For immediate needs please call 1-(800) 922-9999.

[H2] Customer service at your finger tips

[H3] Mobile and Online Banking
Citizens offers digital ways to bank from anywhere. Learn more below on how to make a mobile check deposit1 and more on the go.

[H3] Find a Branch or ATM
Use our branch locator to find branch information and ATM locations.

[H3] Meet with a banker
With a Citizens Checkup®, our bankers can help you focus on what’s important and map out a plan for your future.

[H3] Resources en español
Citizens has branches in seven states with Spanish-fluent staff. Visit our Spanish language educational hub and find a local branch to bank in your preferred language.

[H2] Need to report potential fraud?
If you suspect fraud on a debit transaction, you can now file a claim in the mobile app*.
We now have a dedicated Fraud Customer Service Center to support you through the fraud process. Please call 1-800-974-2260 or the number found on the back of your debit card or monthly statement if you suspect fraud for another type of transaction.
Report using the mobile appCall 1-800-974-2260

[H2] For phone inquiries, please select a topic below:

[H3] Checking, Savings, Money Market and CDs
For Questions about your Checking, Savings, Money Market or CD:Monday-Friday 7am to 10pm EST, Saturday/Sunday 9am-6pm EST1-888-500-1478
For product information or to open a new Checking, Savings, Money Market or CD:Monday-Friday 8am to 9pm EST, Saturday/Sunday 9am-5:30pm EST1-866-524-7253
Debit card issues
Monday-Friday 7am to 10:00pm EST, Saturday/Sunday 9am-6pm EST1-888-861-5700
To file a fraud claim or merchant dispute
If you suspect fraud on a debit transaction, you can now file a claim in the mobile app. Go to your transactions and choose one you suspect as fraud and begin the dispute process. You will be able to add additional transactions to the claim.
You can check on the status of a submitted debit or ATM card claim (even when you initiated your dispute over the phone) in the mobile app from the hamburger menu by clicking on "Dispute Status."
If you suspect fraud or need to file a claim for another type of transaction you can call 1-800-922-9999 Monday-Friday 7am to 10:00pm EST, Saturday/Sunday 9am-6pm EST or the number found on the back of your debit card or monthly statement.

[H3] Online Banking and Mobile banking*
Questions about personal Online Banking Monday-Friday 7am to 10pm  EST, Saturday/Sunday 9am-6pm EST1-800-656-6561
Questions about Mobile Banking Monday-Friday 7am to 10pm  EST, Saturday/Sunday 9am-6pm EST1-877-353-9274
Questions about Business Online Banking Monday-Friday 7am-7pm EST, Saturday 9am-6pm EST, Closed Sunday1-877-229-6428
For Mortgage Online or Mobile banking questions1-800-234-6002

[H3] Business Banking
Business Banking - Customer ServiceMonday-Friday, 7am to 10pm ESTSaturday, 9am-6pm EST888-307-4568
Questions about Business Online BankingMonday-Friday, 7am to 10pm ESTSaturday, 9am-6pm EST1-877-229-6428

[H3] Credit Card
Talk to a Credit Card sales representative to open a new card:1-888-333-5145
Review our Digital Demos and search Credit Card to learn more.
Customer Service (Amp, Spring and Summit)Monday - Friday 7am to 10pm EST, Saturday and Sunday 9am-6pm EST: 1-800-684-2222
Customer Service (Summit Reserve)Monday - Friday 7am to 10pm EST, Saturday and Sunday 9am-6pm EST: 1-866-455-9444

[H3] Home Equity
Talk to home equity advisors about new Home Equity accounts or refinancing 1-800-340-5626
Home Equity Account Servicing
Monday-Friday 7am to 10pm EST and Saturday and Sunday 9am-6pm EST 1-866-999-0216
Loan applications1-800-340-5626

[H3] Auto Loan
Auto loan servicing
Monday-Friday 7am to 10pm EST and Saturday and Sunday 9am-6pm EST1-800-708-6680
Manage your title
Update the name on your title, change the titling state, request a duplicate title or obtain a lien satisfaction. Handling time may vary by state DMV. 1-866-999-0116

[H3] Pay My Loan
Whether you have a car, boat, recreational vehicle, home equity loan, or home equity line of credit from Citizens, you can easily set up make a payment on Citizens Online Banking .
Pay My Loan Now

[H3] Citizens Pay
Monday-Sunday 8am to 12am (Midnight) EST
For customer support, please call our toll-free number888-522-9881

[H3] Investments and Retirement
Citizens Securities, Inc., existing investment and retirement accounts 1-866-919-4520
Citizens Private Wealth™ 1-866-999-0237 or automated account inquiries 1-866-605-4357
Connect with an Advisor
Meet with an Advisor at any one of our 1000+ branches or at our dedicated Banking & Wealth Centers located in:
Chestnut Hill, MA
Monroeville, PA
Boston, MA
St. Clair, PA
West Palm Beach, FL
Naples, FL

[H3] Mortgage
Questions about your existing mortgage account1-800-234-6002
Refinance or apply for a new mortgage1-888-333-1148
Find a home loan originator near you

[H3] IRA Savings and IRA CDs
For questions about a Citizens IRA, please call Citizens Retirement Services 1-800-948-7200.
To open an IRA account, please stop by your nearest Citizens Branch.

[H3] Students
Student Borrowing1-888-411-0266
Banking For Students1-800-600-0008

[H3] Wire

Domestic wire transfer limits vary depending on account types. Try scheduling a wire through the mobile app under Send Money to see your account limits, or contact branch for more details.

[H3] Support en español
1-888-398-7900 connects directly to Spanish (ayuda en español) support within our Contact Center.
To visit a Spanish-activated Citizens branch for Bilingual Support, visit Localizador de Sucursales.

Have questions? Frequently Asked Questions

[H2] Frequently asked questions and documents

[H3] FAQs
Have a question? Search FAQs for insight from our banking experts.

[H3] Account Documents
Choose a category or product to learn more about standard pricing and how each account works.

[H3] Forms & Documents
Useful online forms and documents for easy convenience and access.

[H3] Citizens Digital Demos
Learn how to use Citizens online and mobile banking*.

©
Citizens Financial Group, Inc. All rights reserved. Citizens Bank, N.A. Member FDIC

1 Mobile Deposit account eligibility requirements, deposit limits and other restrictions may apply. Data use fees may apply.
* Wireless carrier, text, and/or data charges apply.
Banking products are offered through Citizens. Citizens is a brand name of Citizens Bank, N.A. For deposit products, Member FDIC.
Citizens Wealth Management (in certain instances DBA Citizens Private Wealth) is a division of Citizens Bank, N.A. (“Citizens”). Securities, insurance, brokerage services, and investment advisory services offered by Citizens Securities, Inc. (“CSI”), a registered broker-dealer and SEC registered investment adviser - Member FINRA/SIPC. Investment advisory services may also be offered by Clarfeld Financial Advisors, LLC (“CFA”), an SEC registered investment adviser, or by unaffiliated members of FINRA and SIPC providing brokerage and custody services to CFA clients (see Form ADV for details). Insurance products may also be offered by Estate Preservation Services, LLC (“EPS”) or an unaffiliated party. CSI, CFA and EPS are affiliates of Citizens. Banking products and trust services offered by Citizens.
SECURITIES, INVESTMENTS AND INSURANCE PRODUCTS ARE SUBJECT TO RISK, INCLUDING PRINCIPAL AMOUNT INVESTED, AND ARE: · NOT FDIC INSURED · NOT BANK GUARANTEED · NOT A DEPOSIT · NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY · MAY LOSE VALUE

[IMG: Equal Housing Lender Logo]

[H1] Welcome to simplified checking and payments.
Seamlessly switch banks, switch your direct deposit, and streamline saved payment methods. Open a checking account.
Get Started

[IMG: Citizens App Preview]

Checking Accounts

Savings Accounts

Credit Cards

Home Equity Line of Credit

[IMG: Women paying with card for coffee]

[H3] A card for where you are and where you're going
Looking to establish credit,1 earn cash back, or access exclusive events? We've got a credit card tailored to where you are and where you're going.

[IMG: A mother and her son]

[H3] Pay for college with Multi-Year Approval**
College prep is a lot, but the right college funding could lighten the load. Especially if one application could cover every school year.

[IMG: A child pretending he is a plane being held up by his father]

[H3] Money in as little as two weeks
Meet Citizens FastLine®, the simpler, faster way to get a Home Equity Line of Credit. Get your rate with no impact to your credit score.

[IMG: Phone image of checking account on app]

[H2] Turn your spare change into savings with Round Ups‡
We made savings easier by letting you round up your debit card purchases to the nearest dollar. You can even set additional savings amounts to get to your goals even faster.
Start SavingAdditional Savings Options

[H2] Customer service at your finger tips

[H3] Mobile and Online Banking
Citizens offers digital ways to bank from anywhere. Learn more below on how to make a mobile check deposit2 and more on the go.3

[H3] Contact Us
Find the information you need to contact Citizens by phone, chat or in-person.

[H3] Find a Branch or ATM
Use our branch locator to find branch information and ATM locations.

[H3] Meet with a banker
With a Citizens Checkup®, our bankers can help you focus on what's important and map out a plan for your future.

©
Citizens Financial Group, Inc. All rights reserved. Citizens Bank, N.A. Member FDIC

** Multi-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, you must continue to meet eligibility criteria to obtain additional funds under the Multi-Year Approval feature. Terms and conditions are outlined in the promissory note. Multi-Year Approval borrowers have a 99% approval rate on future requests for additional funds. The additional funds approval rate is based on the percentage of approved Multi-Year borrowers from Citizens between October 1, 2024 and October 1, 2025. The approval rate represents only borrowers who had previously accepted the Multi-Year Approval offer. Please Note: International students are not eligible for Multi-Year Approval.
‡ Subject to account eligibility. Customer must have an open Citizens personal savings and personal checking account. Only available on the Citizens Bank Mobile Banking application. Text and data rates may apply. Round Ups subject to available funds. Additional amount of transfer determined by customer.
1 Citizens reports information about your Account to credit bureaus. Payments made by your billing statement due date can help build or establish your credit. Negative credit information, including late payments, missed payments, or other defaults on your Account may be reflected in your credit report and may adversely impact your ability to build credit. Subject to individual credit approval.
2 Mobile Deposit account eligibility requirements, deposit limits and other restrictions may apply. Data use fees may apply.
3 Wireless carrier, text, and/or data charges may apply.
Credit cards are issued by Citizens Bank, N.A. pursuant to license by Mastercard International Incorporated.
Home Equity Lines of Credit and Mortgages are offered and originated by Citizens Bank, N.A. NMLS ID# 433960
[IMG: Equal Housing Lender Logo]
Equal Housing Lender. All loans are subject to approval.
Banking products are offered through Citizens Bank, N.A. For Deposit products, Member FDIC.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

Esta página se ofrece en español. Sin embargo, no todas las páginas en www.citizensbank.com
están traducidas al español.MÁS INFORMACIÓN

[H1] En Citizens hablamos español
También hablamos el idioma de los emprendedores, y de la gente con sueños grandes o pequeños. Bienvenidos a su banco.

[IMG: Asesora de Citizens usando una Tablet.]

[H2] Un banco para sentirse como en casa

[H3] 40+ sucursales donde hablamos español

[H3] Atención al cliente disponible en español

[H3] Más de 135 años de experiencia

[H3] Más de 3000 cajeros (ATM) en español

[H2] ¿Cómo podemos ayudarle hoy?

[IMG: imagen decorativa]

[H2] Necesito aprender sobre finanzas
¿Necesita escribir un cheque o configurar un depósito directo? ¿Desea manejar su dinero desde su celular? Nuestros banqueros hablan español y pueden ayudarle.
Quiero aprender más

[IMG: imagen decorativa]

[H2] Necesito impulsar mi negocio
Lea nuestro informe sobre negocios, con consejos prácticos que han ayudado a empresas a prosperar con nuestra banca empresarial.
Descubra las claves del éxito

[H2] Video

Close

[IMG: Madre e hija usando juntas una laptop en su hogar.]

[H2] Necesito ayuda para enviar a mi hijo/a a la universidad
Llegó el gran momento, pero ¿necesita apoyo financiero? Aprenda consejos sobre cómo encontrar ayuda económica.
Vea los consejos

Descargo de responsabilidad: la información contenida en el presente documento tiene únicamente fines informativos y se ofrece como un servicio al público, no es asesoramiento legal ni sustituye el asesoramiento legal. Debe investigar por su cuenta o comunicarse con su asesor fiscal o legal si tiene preguntas sobre la información contenida en el presente.