Citizens Spreads, leverage, minimum deposit Revealed

　　General Information

　　Citizens Bank is the 13th largest bank in the U.S. with more than $185 billion in assets. It serves 11 states across the New England, Mid-Atlantic, and Midwest regions. Headquartered in Providence, R.I., it is one of the nation's oldest and largest financial institutions and offers a wide variety of banking products.

　　Business Scope

　　Citizens Bank offers a wide array of products for consumers and businesses. As a large regional bank, Citizens Bank offers an extensive array of deposit accounts and related services. It serves customers with approximately 1,000 branches and 3,000 ATMs across the regions in which it operates. Additionally, it offers an online savings account through its subsidiary, Citizens Access. Specifically, it provides Checking accounts, Savings accounts, Money market accounts, CDs and Credit cards. Citizens Bank also offers a wide range of banking and investment services for its customers including: Purchase mortgages, Refinance mortgages, Home equity loans, Home equity lines of credit (HELOCs), Student loans, Student loan refinancing, Personal loans, IRAs, Managed investment portfolios, Robo-advisor, Private banking, Financial advisors and Business loans.

　　Customer Service

　　Customer service at Citizens Bank is available Monday through Friday from 7 a.m. to 10 p.m. (EST). Live agents are also available Saturday and Sunday from 9 a.m. to 6 p.m. (EST) at 1-800-922-9999. Investors can also send a secure message through online banking to receive a response during regular business hours. In addition, investors can access accounts online or through the bank's mobile app. Online accounts at Citizens Access have a separate phone number for customer service and the hours are different. Live customer service is available Monday to Friday from 8 a.m. to 10 p.m. (EST), Saturday from 9 a.m. to 3 p.m. (EST), and Sunday from 10 a.m. to 3 p.m. (EST).