At no time will you receive a call or an email from the bank asking for your login credentials. If you receive a suspicious request, do not respond - call us at1-800-922-9999

How Citizens Contacts You

Security measures to prevent fraud and shield your critical financial information.

Call us at 1-800-922-9999

When you might hear from Citizens

To help keep your banking experience smooth and secure, Citizens may occasionally contact you by phone or email. Reasons we may reach out include:

Letting you know about system updates or technical issues
Sharing information about new products or services that may benefit you
Verifying recent activity on your account for your protection
Checking in to strengthen our relationship and better support your needs

Common short codes

We use short codes (5-6 digit numbers) so you can identify us quickly.

63776 - General messages

76191 - Account setup (auto loans, credit cards, deposits, student lending, HELOC, Citizens Pay)

79669 - Account alerts, payment reminders, Citizens Access

Text messages from Citizens

We may send you text messages to help with:

Identity verification
Debit card activation
Account access support

These messages come from short codes 5- or 6-digit numbers unique to Citizens, so you can recognize them quickly and confidently.

Personalized links

Sometimes, we'll include a link in our text messages that takes you to a personalized feed just for you. It's designed to share recommendations and insights to help you make the most of your account. These links will still come from one of our trusted short codes.

Secure login practices

Citizens checks your browser for security before each login.
You must use a Login ID and password.
It's recommended to change your Online User ID to something unique and memorable.
Use strong passwords: mix uppercase, lowercase letters, and numbers.

Auto log-off

Our system automatically logs you out after a period of inactivity.

Account lockout protection

After multiple failed login attempts, your account is temporarily disabled.
You'll need to contact Citizens to regain access.

EV SSL encryption

Citizens uses Extended Validation Secure Socket Layer (EV SSL) certificates.
Look for the green bar in your browser to confirm you're on the official site.

Behavior monitoring

Citizens monitors for unusual activity (e.g., large transactions or foreign spending).
You may be contacted to verify suspicious behavior.

SMS fraud alerts

Citizens may send text alerts for suspicious transactions.
You can reply STOP to opt out anytime.
T-Mobile users: note that message delivery may vary.

Report fraud in the app*

If you suspect fraud on a debit transaction, file a claim in the mobile app. Choose a transaction to begin the dispute.

Identity theft prevention and protection

How to stay safe from someone trying to impersonate you for financial gain, and what you can do if you're a victim.

Business fraud guide

Secure your corporate financial assets from fraud and reduce the risks of unauthorized activities.

* Wireless carrier, text, and/or data charges may apply.