Citizens Bank is horrible, the worst bank I've ever had, possibly the worst bank overall, and they cheat customers. Worst overall customer service experiences. Wait on hold 2 hours and finally give up waiting. Their website may not work when you need it. I can't even pay my bill and now past due with a $40 LATE FEE. How about Citizens Bank can go and die. Last thing, they once opened a credit card in my name after I told the Bank person no over and over.