Citizens and Northern Bank: A Comprehensive Guide for Customers and Stakeholders

Northern Bank, now part of Citizens Financial Group, has a rich history of serving customers in the Northeastern United States. This guide provides comprehensive information about the bank's services, products, and commitment to its customers and the community.

A Legacy of Financial Stability and Growth

Northern Bank was founded in 1850 as The Stamford Bank. Over the years, it has experienced significant growth and expansion, including its acquisition by Citizens Financial Group in 2016. Today, Citizens is one of the largest banks in the country, with over $175 billion in assets.

Comprehensive Banking Services for Individuals and Businesses

Citizens Bank offers a wide range of banking services to meet the needs of individuals and businesses, including:

• Checking and savings accounts
• Loans (personal, auto, home mortgage, and commercial)
• Credit cards
• Online and mobile banking
• Financial planning and investment services

Commitment to Customers

Citizens Bank is dedicated to providing excellent customer service. The bank has received numerous awards for its customer satisfaction, including being ranked among the top 10 banks in the U.S. by J.D. Power and Associates. Citizens Bank is also committed to providing financial education and resources to its customers.

Community Involvement

Citizens Bank is an active member of the communities it serves. The bank supports local businesses, schools, and non-profit organizations through donations, sponsorships, and volunteerism. Citizens Bank also invests in affordable housing and community development projects.

Table 1: Key Financial Data

Products and Services for Individuals

Citizens Bank offers a variety of products and services designed to meet the financial needs of individuals, including:

Checking and Savings Accounts

• Citizens Access Checking: No monthly maintenance fee, unlimited transactions
• Citizens Access Savings: High yield savings account with no monthly maintenance fee
• Citizens Performance Money Market: High-yield money market account with Tiered Interest Rates

Loans

• Personal Loans: Flexible loans for a variety of purposes, including debt consolidation and home improvements
• Auto Loans: Competitive rates and flexible terms on new and used cars
• Home Mortgage Loans: Conventional, FHA, and VA loans for home purchases and refinances

Credit Cards

• Citizens Smart Credit Card: Rewards card with 2% cash back on gas and groceries
• Citizens Travel Rewards Credit Card: Miles-earning card with no foreign transaction fees
• Citizens Cash Back Plus Credit Card: No annual fee card with 1% cash back on all purchases

Products and Services for Businesses

Citizens Bank provides comprehensive banking solutions for businesses of all sizes, including:

Business Banking Accounts

• Business Advantage Checking: No monthly maintenance fee for businesses with high transaction volume
• Business Savings: High yield savings account for businesses
• Business Money Market: High-yield money market account for businesses

Loans

• Commercial Loans: Term loans, lines of credit, and equipment financing for businesses
• SBA Loans: Government-backed loans for businesses with flexible terms and low interest rates
• Commercial Real Estate Loans: Loans for commercial property purchases and refinances

Business Services

• Online and Mobile Banking: Secure and convenient banking for businesses
• Merchant Services: Credit card processing solutions for businesses
• Payroll Services: Payroll processing, tax filing, and HR support for businesses

How to Open an Account

Opening an account with Citizens Bank is easy and convenient. You can apply online, by phone, or in person at a branch location.

Step-by-Step Guide to Opening an Account

1. Choose an Account: Decide on the type of account you need, such as checking, savings, or money market.
2. Gather Your Information: You will need to provide personal or business information, including your name, address, and Social Security number.
3. Apply: Complete an online application or visit a branch location to submit your application in person.
4. Funding Your Account: Once your account is approved, you can fund it with a deposit or transfer from another bank.

Tips and Tricks for Banking with Citizens

• Use Online and Mobile Banking: Citizens Bank's online and mobile banking platforms are convenient and secure ways to manage your finances.
• Set Up Automatic Payments: Schedule automatic payments for your bills to avoid late fees and build your credit score.
• Take Advantage of Rewards Programs: Earn rewards points on your credit cards and checking accounts.
• Talk to a Financial Advisor: Citizens Bank offers complimentary financial planning services to help you reach your financial goals.

Frequently Asked Questions (FAQs)

1. What is the minimum balance required for a Citizens Access Checking account?

There is no minimum balance required for a Citizens Access Checking account.

2. What are the interest rates on Citizens' savings accounts?

Interest rates on Citizens' savings accounts vary depending on the type of account and the balance. Please refer to the bank's website for current rates.

3. What is the limit for cash withdrawals from an ATM?

The daily cash withdrawal limit from an ATM is $1,000.

4. How do I contact Citizens Bank customer service?

You can contact Citizens Bank customer service by phone at 1-800-922-9999 or online at citizensbank.com.

5. What are the benefits of Citizens' Smart Credit Card?

The Citizens Smart Credit Card offers 2% cash back on gas and groceries, no annual fee, and low interest rates.

6. What types of loans does Citizens Bank offer for businesses?

Citizens Bank offers a variety of loans for businesses, including commercial loans, SBA loans, and commercial real estate loans.

Call to Action

Citizens Bank is committed to providing its customers with the financial products and services they need to succeed. Whether you are an individual or a business, Citizens Bank is here to help you reach your financial goals.

Visit citizensbank.com or call 1-800-922-9999 to learn more about Citizens Bank and to open an account today.