Citizens Bank
An American Bank based in Providence, Rhode Island, Citizens Bank is a wholly-owned affiliate of Royal bank of Scotland Group. The parent company is headquartered in Edinburgh, Scotland.
Providence, Rhode Island has been the base of Citizens bank since its establishment in 1828. Currently, the bank has operations in Connecticut, Illinois, Massachusetts, New Jersey, New Hampshire, New York, Delaware, Ohio, Indiana, Pennsylvania and Vermont. The bank has branches in the mentioned states while it has offices in over 40 states.
Citizens Bank branches provide diversified banking services. It caters to retail and commercial banking. Its commercial banking lines can include checking accounts, savings and money markets accounts, personal investing and borrowing options.
Moreover, Citizens Bank offers banking packages suitable for those who would like to get checking and savings accounts and Citizens Bank card products. Individuals can apply for Citizen Bank credit card, debit card and card with reward features. The bank offers several types of cards for different individuals with different credit limits and preferences.
Likewise, the bank can provide banking products for its student clients. This market group can also apply for a student loan. Meanwhile, individuals may also avail of a life planning product from the bank.
Apart from its personal banking, Citizens Bank offers its business clients with wide array of financial services. Clients may choose to avail all or any of the following Citizens Bank offers: Business Checking Account; Business Savings Accounts; Business Borrowing Options; Business Investing; cash management; and Professional First Banking Program. Clients who are businessmen or executives may also avail of Citizens Bank Business Debit Rewards.
Meanwhile, it is possible for individuals to bank online using Citizens Bank online banking system. A different online banking system is also offered for business clients. Likewise, personal and banking clients can have the convenience of international banking with the bank. The bank can provide the following international banking services: international check processing and foreign currency drafts. Clients may also exchange their money to the currencies they want to travel. It is also possible for the bank to offer international wire transfers of foreign currency. Other international baking services may be availed by the clients from the bank.
Aside from retail banking, the bank can also offer higher range of financial services through its commercial banking segment. The bank can provide corporate businesses, certain types of industry and institutions situated in the bank’s market with financing services such as lending, asset finance, dealer finance, loan syndication, business capital and commercial real estate lending. The bank can also provide services for cash management.
Moreover, the bank can provide specialized banking services to special type of industries and clients such as professionals banking, hospitality banking, publishing banking and technology banking. The firm can also offer financial products and services for private companies in America.
The bank can also cater to government banking and government contracting. Moreover, it can provide clients with interest rate risk management services.
Citizens Bank can provide clients with a wide range of investment services. Personal clients can avail of retirement plan, educational investment, and tax-advantaged investment. Different types of investment offers can be provided by the bank to businesses, corporate entities and not-for-profit organizations.
Citizens Bank can provide more types of financial services aside from the aforementioned ones. The bank’s services can be accessed trough its branches in 13 states. Some of the services can be attained through ATM or the online banking systems of the bank.
Citizens bank through its holding company Citizens Financial Corporation is among US’ largest banks in terms of deposits. From the bank’s history of acquisitions and mergers, the bank holding company recently prides itself for having assets worth 161 billion dollars.
Citizens Bank shares a slogan with Charter One Bank that states: Not your typical bank. The latter bank was acquired by the bank but continues to operate under its name in some states of America.