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Citizens Bank

3.0 (2 reviews)

Services - Citizens Bank

Personal banking

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12 years ago

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11 years ago

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National Bank of Middlebury - Our Main Office building, built in 1911

National Bank of Middlebury

(7 reviews)

Good local bank - friendly and accessible for walk-ins. But three problems my wife and I have…read moreencountered in last five years: 1) their online banking website works fine but only if you can get into it - basically, i have to re-enroll with a phone call every six months because they change their security protocols and my password doesn't work anymore. 2) my wife's debit card number has been stolen at least twice - so here their security is bad and I'm not sure i would debit through them. 3) they no longer provide free checking services - you have to buy every check. So if i were starting out in Addison County in 2025, I would carefully check what other banks have to offer before signing with them. In all other respects we feel well served.

Final Version for Review…read more I've banked for over 30 years with institutions such as Bank of America, Capital One, and JPMorgan Chase. This was my first experience working with a smaller regional bank, and it has been very different from what I'm used to. When I was buying a business in Vermont, I took a loan through National Bank of Middlebury. As an out-of-state buyer, I relied on local recommendations and expected a smooth process. However, the loan application was slow and grueling, taking much longer than I had anticipated. A few years later, I applied for another business loan, and it took only two weeks to complete the entire process -- a stark contrast to my experience with NBM. In addition to this, I've experienced repeated delays with ACH payments and outbound transfers. Transfers into NBM process quickly, but transfers out are often significantly slower than what I've experienced with larger institutions -- often taking up to two weeks. Most recently, after selling my home, a payment issued through NBM still hasn't cleared a week later. By comparison, I've moved similarly large sums from major banks, and the funds were available the next business day. Even after depositing the NBM payment into my non-NBM account, I deposited a similar sum, and it cleared within 24 hours. One other significant issue has been the bank's outdated security measures, which feel archaic compared to what I've experienced with other banks. This has made certain processes more difficult than they should be, especially when dealing with electronic transactions or interbank transfers. While I understand that many long-time local customers may be satisfied with NBM's services, my experience has been frustrating, especially when compared to the speed and efficiency of larger institutions. Based on my experience, I would not choose a small regional bank again.

Citizens Bank - banks - Updated May 2026

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