Citizens Bank is a bank to be avoided. Their fees are high and they use dishonest trickery to get their customers to pay more fees. In my case, I had been a good customer for six years, but because of a confluence of events, PayPal pulled money out of my account right before three checks came in to clear. Citizens Bank was closing early because of a holiday the next day (which I don't think they should have done since the day before the holiday was not a holiday in itself). As a consequence, I couldn't get money into the bank. The checks came in to clear in the order of smallest to largest, and I should have been charged one $39 overdraft fee -- but Citizens re-ordered the withdrawals from largest to smallest so that I was charged three fees. This kind of behavior to force people to pay additional fees they shouldn't even owe is truly outrageous. You would do well to find another bank. read more