Whatever you do, avoid this bank. They will cheat you out of anything they possibly can (all legal, of course). Many years ago, I had a "situation" with them. I had moved out of state for a couple years, and before I left, I went into Citizen's, with whom I had banked for a few years, to see if I could give my brother-in-law the ability to sign checks without adding him as an account holder. (this was so he could pay plumbers, etc., for any work or upkeep that needed to be done on my house, which he was taking care of in my absence) No problem, said the Citizen's representative. Well, a couple years later, I find that an inexplicable large amount (about $3000) had been confiscated by the bank out of my account. I went in to figure it out, and they said it was because my brother-in-law had overdrawn his personal account, so they were taking what he owed from my account, even though I had been assured that he was only an approved signer, not a co-account-holder. I complained ( a lot) to no avail, getting very official letters from their corporate lawyer to the effect that what they had done was perfectly legal. The only saving grace was the branch manager, who also apparently thought it was wrong. He put the money back in my account, and to him I will always be grateful for that kindness. And only because of him did I continue to keep small accounts there (landlord accounts). (and btw, he left Citizen's shortly thereafter). Flash forward some 15 years; I have 2 landlord accounts with Citizen's (security deposits, which need to be in interest bearing accounts). My statements say right on them "landlord accounts". But I come to find out that Citizen's has been withdrawing something like $10/month for each account for YEARS (my bad for assuming all was well and not checking the statements). Three trips to sort this out, and no satisfaction. My landlord accounts, far from being interest bearing, have lost hundreds of dollars due to Citizen's dishonesty, greed, and possibly incompetent workforce. I will never hold nor open another account with Citizen's ever again, and I suggest you do the same--they will screw you out of every penny they can, so beware! read more