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Education Refinance Loan

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Ready for the next milestone.

Refinance your student loans and free up money for what's next. You could lower your rate, your payment or both.

Learn More

Smart Saving

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Ready to plan, ready to save.

Whether you're saving up for a goal or setting aside just-in-case funds, we can help.

Check out our Savings Hub

Get School Ready

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Ready for more brainpower.

Multi-Year Approval is a simple way to secure money for school, from orientation to graduation, with just one application.

Get Started

Home Equity Line of Credit

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Ready to dream big.

Right now with lower HELOC rates, you can do home improvements and more.

See our rates
Wedding Photo

Ready for the next milestone.

Refinance your student loans and free up money for what's next. You could lower your rate, your payment or both.
null

Ready to plan, ready to save.

Whether you're saving up for a goal or setting aside just-in-case funds, we can help.
null

Ready for more brainpower.

Multi-Year Approval is a simple way to secure money for school, from orientation to graduation, with just one application.
null

Ready to dream big.

Right now with lower HELOC rates, you can do home improvements and more.

Questlove is made of music, passions, and a community he gives back to.
What are you made of?

See more of Questlove's journey in collaboration with Citizens Bank.

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Choose a goal and we’ll help make you ready to reach it.



What can we help you with?

Our banking experts have you covered.

Ask a Citizen
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Home equity lines of credit are offered and originated by Citizens Bank, N.A. (NMLS ID# 433960). All loans are subject to approval.

Mortgages are offered and originated by Citizens Bank, N.A. (NMLS ID# 433960). All loans are subject to approval.

*Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Must have a bank account in the U.S. to use Zelle. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.

1Monthly maintenance fee waived if any account owner is under age 25; $3.99 once all account owners are age 25 or older.

2The Cash Back Plus Rewards Program is governed by the terms and conditions set forth in the Reward Guide. You will receive the Reward Guide with your Cardholder Agreement. The Reward Guide will explain the program, including the following: A) Earn cash back rewards of 1.8% on all eligible net purchases. A net purchase is the amount of a purchase less any credits, returns and adjustments. Certain transactions do not qualify for cash back rewards. For example, balance transfers, cash advances, account fees or charges, interest charges, life insurance charges, money orders, wire transfers, lottery tickets, gambling charges, or unauthorized charges to your account do not earn cash back rewards. Please refer to your Reward Guide for complete program terms and conditions. B) Cash Back Rewards will not expire as long as your credit card account is in good standing and you make an eligible purchase once every twelve (12) months. C) Program subject to change. D) You are solely responsible for any taxes that may be owed as a result of cash back rewards earned and/or redeemed under this card. Please consult your tax advisor. E) Other terms may apply and will be included in the Agreement.

3Multi-year approval funds available for future use are subject to a soft credit inquiry at time of your next request to verify continued eligibility. After we make the initial loan to you, we may refuse to allow you to take out additional loans under the multi-year approval feature, terms and conditions will be outlined in your promissory note. Please Note: International Students are not eligible for multi-year approval.

†The average monthly payment savings estimated amount is based on 15,839 Education Refinance Loan customers who refinanced their loans between September 1, 2018 and September 1, 2019 and who received a lower payment. The calculation is derived by averaging the monthly payments prior to refinancing minus the monthly payments after refinancing. Excluded are monthly savings reported from customers that exceeded $6,250 or were lower than $20 to minimize risk of data error skewing the savings amounts. Savings vary based on interest rates, balances and remaining repayment term of loans to be refinanced. Borrower’s overall repayment amount may be higher than the loans they are refinancing even if monthly payments are lower.

The investment products and financial strategies suggested herein are subject to investment risk, including possible loss of principal amount invested. There can be no guarantee the suggested strategies will lead to successful outcomes. Investment decisions should be based on each individual’s goals, time horizon and tolerance for risk.

Securities, Insurance and Investment Advisory Services offered through Citizens Securities, Inc. (“CSI”), also referred to as Citizens Investment Services. Citizens Securities, Inc. is an SEC registered investment adviser and Member - FINRA and SIPC. 770 Legacy Place, MLP240, Dedham, MA 02026. (800) 942-8300. Citizens Securities, Inc. is an affiliate of Citizens Bank, N.A..

SpeciFi ℠ is made available through CSI. Portfolio management services are sub-advised by SigFig Wealth Management, LLC (“SigFig”), an SEC registered investment adviser. SigFig is not an affiliate of CSI, or Citizens Bank, N.A..

Securities, Insurance Products and Advisory Services are:
● NOT FDIC INSURED ● NOT BANK GUARANTEED ● MAY LOSE VALUE ● NOT A DEPOSIT ● NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

Banking products are offered through Citizens Bank. Citizens Bank is a brand name of Citizens Bank, N.A.. Deposit accounts held at Citizens Bank, N.A. are separately insured. Member FDIC

Wireless carrier, text and/or charges may apply.

Visa is a registered trademark of Visa International Service Association.