In this video, we review *Citizens Bank*, one of the largest regional banks in the U.S. If you’re considering Citizens for your checking or savings account, or you’re looking for loans or investment services, this review breaks down all the pros and cons to help you make an informed decision.
We start by covering **the advantages**: Citizens Bank offers a wide range of financial products, including checking and savings accounts, personal loans, mortgages, and student loan refinancing. Their mobile app and online banking tools are highly rated, offering features like *Citizens Paid Early™*, which lets you get your direct deposit up to two days early. They also provide overdraft protection services like *Citizens Peace of Mind™*, which helps reverse one overdraft fee per year.
However, **the drawbacks** include their limited branch network outside the Northeast and Midwest, monthly fees on some checking accounts, and relatively low savings interest rates. Overdraft fees can also add up quickly if you don’t enroll in protection plans or miss the grace period.
Overall, we give Citizens Bank a **7/10** rating. If you live in their service area and need a bank with robust services, student loan options, and easy-to-use digital banking, they’re a strong choice. But if you need higher savings interest rates or a more widespread branch network, you may want to explore other options.
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