Yes, if they are a joint account holder. Otherwise, consider designating a power of attorney (POA) if you will not be available to service or maintain your accounts. Contact your military legal services office or personal attorney for details about setting up a POA.

In general, credit obligations established prior to qualifying Active Duty service may be eligible for benefits under the SCRA. These include, but are not limited to: Credit Cards, Automobile Loans, Student Loans, Mortgage, and Home Equity loans and lines of credit.

Some of the main benefits are:

• An interest rate reduction or limit of 6% on qualifying accounts.
• Reduction in payment for eligible accounts that have an interest rate above 6%.
• Protection from foreclosure and repossession for eligible accounts.

You may submit your request for SCRA benefits via the below channels. Please be sure to include your name, account number, contact information, and a copy of your most recent military orders calling you to active duty. If you are requesting benefits on behalf of someone else, please include their information as well.

• Email: MilitaryAssistance@citizensbank.com
• Fax: 855-872-1791
• Mail: Citizens Bank
  Military Assistance Team - JCA150
  One Citizens Bank Way
  Johnston, RI 02919

If I have outstanding auto loan with Citizens, am I able to take my vehicle out of the country while deployed?

In most cases, yes. Citizens can provide you with an authorization letter; we’ll just need a few things from you! At your earliest opportunity, fax or mail your request to us at the information below.

• Mail: Citizens Bank
  Military Assistance Team - JCA150
  One Citizens Bank Way
  Johnston, RI 02919
• Fax: 1.877.362.6343

In your request, include the dates you will be out of the country, along with a copy of your military orders and current insurance information. Please also provide a fax number, if you would like a copy of the permission letter sent via fax; otherwise, once approved, we will mail your letter within two (2) Business Days of receipt.

The Military Assistance Team will use information you provide with your request, as well as information from the Department of Defense's Manpower Data Center (DMDC) to make a determination of your eligibility. Please allow up to thirty (30) days to receive a written response to your request.