IN-competent employees!!! Terrible Policies and rules which do not make sense. It actually deserves "ZERO" star!!!
I have a few CDs are going to mature one by one in few weeks. And, I have a checking account with them. I went to the bank in person to ask them to roll the going-to matured CDs to my checking account when it is matured. NO! They said that they can NOT do it. According to their "POLICY", I have to go in in person when each CD matured to "CLOSE" each CD account "in person". After protest, the rep called manager unwillingly. And, I was told that I could write a letter to them and saying that I wanted to roll the CDs to checking after CDs matured. But, Watch this: Their policy says that I could not just write the letter in front of them even though they have checked my IDs and verified my identity. According to their "POLICY", I have to take the letter to another place to have it notarized that I am the one who wrote and sign the letter. And, that is NOT all. I can NOT submit this letter to them in person. I have to go to the POST OFFICE and MAIL it to them. ONLY doing that, they will maybe consider to honor my request. They said that that is doing me a FAVOR.... And, how about the CD that was matured today??? Oh, she said "you do not have a CD matured today." That one is already auto renewed for another year+ and that is going to mature at 2017 with interest rate 0.03%!!! After protest, another employee came out and told this incompetent employee that since it is within 10 days grace period, she could cancel the new CD and issue me a check. Did you see the conflict here? First, she told me that I have to come in in person after each CD matured to close the account. But, when I was actually there for the CD that is matured at that day, the CD has been renewed!!! And, if I did not protest, I would not get my money out. They are trying to hijack my money. Few weeks ago, they told me to go in in person to get a better deposit rate for they could not give out on the phone. NO, they do not have a better CD rate. They cheated me to go in in person and tried to sell me their other investment products!!!
When I opened the CD accounts, they told me that if I deposited this XXX large amount, I could get this xxx rate. I could transfer the money IN (i.e., deposit to the Citizens bank) without problems, But, when I wanted to use the online banking to transfer money out of the bank, the limit is $5000 per month because the POLICY says to prevent money laundry. They tried all the stops (i.e., all different kinds of POLICIES) to prevent me taking the money out. They gave me a load of crabs!!!
I opened a local bank account with the Citizens Bank hoping for the convenience. BUT, all I got is loads of POLICIES and crabs.
AVOID CITIZENS BANK! If you need a local bank, CHASE bank next door is much better - they provide notary services for free for their customers during the office hours and the employees do their best to help. At least, CHASE hires only competent employees. I have checked the Chase policies. They do not have such crabs.
*** There is more story this week.
We got snow storm going. The Bank said that I HAD to go in in person. So, I risked my life driving to the branch to close the CD that is matured yesterday.
The store manager did NOT apologize for the inconvenience. What he said was: "You should be GLAD that we are open today!"
I asked him whether he got my "notarized" letter (sent through the POST OFFICE) about transferring the CD (when it is matured) to my checking account and that I do not want to renew. He said YES. Then he said this: "You got to call me on or before the CD matured and to "remind" me to do that for you". ME: What ???? He said that he might not remember to do that because he might be away or have meeting or .... Does this bank know what is called "customer service"??? This bank has "0" customer service.
And, due to the snow storm, the branch had NO other customers. However, it took them 30 minutes to issue me a check!!!
The manager "REFUSED" to issue the check himself by claiming that it is FASTER to have his employee to do it. And, the incompetent employee whom I worked with last weekend "REFUSED" to
do it. And, this other employee gladly accept the manager's request. But, she is just another incompetent employee -- she said that she could not find my matured CD. And, she said that "You had several CDs", Which ONE???? I told her the one that has matured. The other employee and the manger were just standing there not helping her. I had to suggest that it might be auto renewed and asked her to look for the CD that is going to matured in 2017. Of course, my CD has been auto "renewed" despite the fact that the manager had received my letter just a day ago that asked him to transfer the money into my checking account. He did NOT do anything!!! And then, their printer got problems ... etc.
I do NOT recommend CITIZENS bank. BE aware of their policies, policies, .... policies... policies. read more