WORST. BANK. EVER. Avoid at all costs. Most frustrating and incompetent bank I've ever dealt with. My father had a HELOC and a checking account at Citizens Bank, and when he passed away, I paid off the HELOC and tried to close the accounts. I am my father's executor and I have all the documents (death certificate, letters of authority etc) to prove it. I live in CA and they have no branches here so I have to do it by phone. I've had many, many phone calls with them and every time I get a different story and they ask me for something new. I've sent in the info they requested by physical mail, email and fax, but they still won't close the accounts. It's a nightmare. And whenever you send them any new information, it takes several weeks to get posted in their system. read more