Avoid Citizens at all costs. I ended up with Citizens because HSBC sold off their lower balance checking accounts to Citizens. My experience has been terrible. They issued me 2 different credit cards, one with a 26 percent interest rate, and now they won't transfer the balance to the lower interest card because of some bull$#*! "introductory period." I have no idea how I ended up with 2 different Mastercards issued by Citizens, but when I went to the bank the other day to withdraw money, the teller tried to sign me up for another. Prior to that they were charging me absurd fees for having a low savings account balance. Their hold times are atrocious, the calls get dropped frequently, and you almost always have to ask for a supervisor for help because the people who answer calls have heavy foreign accents and can't answer the questions anyway. AVOID!