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Citizens Bank Zero Liability Policy

Shop with confidence.

Use your card worldwide without worry. Citizens Bank protects your card information so you won’t be held liable for unauthorized purchases made with your card or account information.*

How does the Citizens Bank Zero Liability policy work?

  • You discover fraudulent or suspicious activity on your monthly statement
  • You should immediately call us at 1-800-922-9999 to report the activity so we can take immediate action to regain control of your account
  • As a first step, Citizens Bank will deactivate your current card and issue you a new one
  • The Internal Claims Group will research all purchases made after the date of the suspicious activity
  • When the research is complete and all fraudulent purchases have been verified, we will return misused funds to your account.

Our commitment to you.
If your account is compromised we will take every possible action on your behalf to resolve the issue quickly and with as little inconvenience as possible. We will also extend you provisional credit for losses from unauthorized card use within 5 business days of notification of the loss.

 
 

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© Copyright 2013 RBS Citizens Financial Group, Inc. All rights reserved.
Citizens Bank is a brand name of RBS Citizens, N.A. and Citizens Bank of Pennsylvania. Deposit accounts held at RBS Citizens, N.A. and Citizens Bank of Pennsylvania are separately insured.

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*Citizens Bank Zero Liability policy covers cards issued only by Citizens Bank and does not apply to ATM transactions or PIN transactions. Cardholder must notify Citizens Bank promptly of any unauthorized or suspicious use. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify your financial institution immediately of any unauthorized use. Transaction at issue must be posted to your account before provisional credit may be issued. For specific restrictions, limitations and other details, please consult your issuer.