Citizens Access

Please Do Not put your Trust or your Money into Citizens Access, Citizens Bank or now called CITIZENS. They have the most INCOMPETENT Rudest Customer Service.

Some of their Customer Service people don't speak very good English. Hector and Shay are very Rude. When you ask for a Manager or Supervisor there's never one available or they are in Meetings all day long which is Not True. You have to wait for a Call Back, which never happens.

If you want to do any ACH TRANSFER OUT. they do a TEXT EVERY TIME, the TEXT is either Severely Delayed or NEVER comes through, Same as the Email. CITIZENS will NEVER let you do a ACH TRANSFER yourself, you have to let them do it for you, from a so called BACK OFFICE. Also they will ask you alot of PEREONAL QUESTIONS that you have to answer or they REFUSE you ACCESS to your MONEY PERIOD.

The Request takes a couple to a few days to Request your ACH TRANSFER, then a Couple or Few more days. So that being said it will take approximately 4 to maybe 5 days for transfer to be completed. I am still waiting for my funds to be transferred out. Even if you can do a ACH Transfer yourself it still takes Several Days for the money to move.I Don't Trust this Online Bank at all.

Please Do Not Deposit any of your hard earned money in this Bank or Online Bank. Also when you establish a Deposit, Do Not Allow the Bank to PULL the Funds from your External Account because it takes 5 Business days or longer to have the Funds Clear, Closer to 7 Days. If you want yo deal with INCOMPETENT CUSTOMER SERVICE, Headaches or Hassell gaining Access to your money, Go Right ahead and deal with these Totally INCOMPETENT *** Again you can do what you want, I am not telling you Not to do any business with this Online Bank, its up to you it's your choice what you do, but if you don't want the hassle or headaches from this Bank, I HIGHLY RECOMMEND and HIGHLY SUGGEST doing Business with a Different Bank. I can not wait until my Account is CLOSED.

Please Check out ALL their REVIEWS, it's a TERRIBLE BANK ALL AROUND

Also your INTEREST will NOT be CREDITED at the end of the month and will NOT be CREDITED on the 1st of the Month either. They claim they don't Operate like OTHER REAL BANKS do, in FACT they wait to Credit your account 30 DAYS AFTER you OPEN the ACCOUNT, they DO NOT CREDIT in the morning, they WAIT until the END OF THE WORK DAY to CREDIT you your INTEREST that you earned. INCOMPETENT BANKING ALL AROUND.

NOT HIGHLY RECOMMEND AT ALL. Stay away if you don't want the Hassle and Headaches.