Attempted small business banking here -- not a smooth experience. We chose Citizens because they offer free business accounts. One of the things we needed was the flexibility to give certain employees the ability to buy things for the business using the company's account. They assured us this would be straightforward. It was not. After bringing the employees in each individually to do the paperwork, we were told that it had been done incorrectly by the bank employee for two of them and consequently all the signatures would have to be collected again. I called to inquire about this. The bank employee who did the paperwork had seemed confused but had not bothered to ask anyone else to ensure the paperwork was done correctly -- either the employee was new or needed a refresher on how to handle business accounts. I received no apology, just a short, "uh no ... he has been working here awhile." That was it. We moved our business banking shortly thereafter. Never had any personal account experience there but Citizens was one of two major banks in another east coast city I used to live in and most people I knew chose Bank of America for their personal accounts over Citizens because of fees. read more