Welcome to Safe With Citizens™

Welcome to Safe With Citizens, our online multi-factor authentication solution. In today’s online environment, phishing, spyware, malware - as well as other online risks - pose a significant threat to your business. In an effort to help customers manage this risk, and as part of an ongoing effort to improve your online security, we have introduced Safe With Citizens. This program helps reduce threats posed by unauthorized access to your accounts. This everyday login process consists of two elements: image selection and challenge questions. Please note: you will be required to enroll in Safe With Citizens upon your first login.

Click the links below to learn more about Safe With Citizens.

Enrollment Instructions for Image Selection and Challenge Questions
FAQs about Safe With Citizens

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Enrollment Instructions For Image Selection and Challenge Questions

On the first login screen, you will enter your Customer and User IDs. On the second screen you will be asked to enter your Password.

GPS Login Illustration

Once you click continue, on your first login, you will be required to enroll in image selection and challenge questions, and you will see the page below. Simply enter your Password, click continue, and you will begin the enrollment process.

GPS Login Illustration

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Step 1: Select Your Image and Phrase

Image selection allows you to select an image that will appear on the Money Manager GPS Password page each time you log in to the system. This image allows you to ensure that you reached a valid Citizens site rather than a fraudulent site designed to gather your confidential information. To begin, choose an image. You can either select the random image that has been presented by simply entering Your Phrase, or you can click the Choose Another Image link to choose from our library of images. Once you have chosen Your Image and Your Phrase, simply click on the Continue button to proceed. Your next step will be to select and answer your challenge questions and choose a registration option for your computer.

GPS Login Illustration

Step 2: Answer 4 Challenge Questions and Register Your Computer

Upon login, a challenge question will be presented to the user if Citizens does not recognize your computer or the location you are logging in from to thwart unauthorized users who may be trying to access your accounts from unknown computers and/or locations. To enroll your challenge questions, you must select and answer a question from each of the four drop downs, then enter your answer in the box below the question. Next, you need to choose a registration option for this computer. If you select not to register your computer, you will be required to answer a challenge question on your next login from that computer.

Please note: your answers to the questions must be made up of letters and/or numbers only. Do not include punctuation or special characters like "/", "*", "@" or "%". Please note that you may be asked to answer this question in the future, so select questions and answers that you can remember.

GPS Login Illustration

Step 3: Confirm Your Selections

To confirm your selections, simply review your entries then click Save. Please note: if you have not completed all four questions or if you have an invalid entry, a red error will appear next to the incorrect entry. If you receive this error, simply correct your entry and click Save again.

GPS Login Illustration

Step 3: Enrollment Confirmation

GPS Login Illustration

On Your Next Login

If you have registered your computer, on your next login, once you have entered your Customer ID and User ID, you will see Your Image and Your Phrase. Simply validate that they are in fact Your Image and Your Phrase, enter your Password and click Login. If you do not see Your Image and Your Phrase, please call Client Services immediately. Below is a sample of the image page:

GPS Login Illustration

If you are logging in from an unregistered computer, you will be asked to answer one of your four randomly selected challenge questions and to select a registration option for your current computer. Below is a sample of the screen you will see. Once you correctly answer your challenge question, you will proceed to the page above where you can validate Your Image and Your Phrase. Then enter your Password and click Login to access your accounts.

GPS Login Illustration

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Safe With Citizens Frequently Asked Questions

Our Safe With Citizens service is an easy and free way to help prevent identity theft and fraud.

What is Safe With Citizens?
Why do I need Safe With Citizens?
How does Safe With Citizens work?
Why am I getting a blank page after I click Continue when I try to login?
Has my Password changed?
Does Safe With Citizens use cookies?
What is a cookie?
Does Safe With Citizens Use Flash Objects?
What is a flash object?
How is Safe With Citizens more secure?
What if someone steals my Password? How will Safe With Citizens prevent them from accessing my account?
Why do I need to set up challenge questions?
What keeps somebody from stealing my Safe With Citizens image and image phrase?
When I enter my Customer and User IDs, it asks me a question instead of showing my Safe With Citizens image. Why?
How do I know I am at the genuine Money Manager GPS site?
How do you know that I am signing in from my own computer?
Can I access Money Manager GPS from multiple computers?
I share my computer with someone who also uses Money Manager GPS. Can both of us still sign in from this computer?
Can I change my Safe With Citizens image, phrase and challenge questions?
Is there a fee for using the Safe With Citizens service?
How do I sign up for Safe With Citizens?
What are Your Image and Your Phrase?
What if I forgot my Image?


What is Safe With Citizens?

Safe With Citizens is a new online security feature that is now a standard part of your Money Manager GPS login experience. As part of our ongoing commitment to help protect you against identify theft and fraud, Safe With Citizens helps prevent unauthorized access to your accounts while reassuring you that you're at the valid Citizens Web site. Safe With Citizens involves an image, a phrase and four challenge questions that are secrets between you and Citizens. Each helps protect you, whether you're logging in to Money Manager GPS from your computer or from another location (such as an Internet cafe or a public library).

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Why do I need Safe With Citizens?

Safe With Citizens helps to ensure your information is secure by protecting you from fraud and identity theft in several ways. First, it prevents automated attempts to gain account information by thwarting automated programs designed to try multiple Customer and User IDs combinations in an attempt to glean a valid one. Then, by presenting you with an image and phrase known only to you, it helps you recognize that you are at the valid Money Manager GPS site at Citizens, rather than at a fraudulent site. Third, if we don't recognize your computer and/or location, we will ask you one of your challenge questions as an additional line of defense against unauthorized access to your accounts.

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How does Safe With Citizens work?

Safe With Citizens involves an image, a phrase and four challenge questions known only to you. When using your computer, enter your Customer and User IDs then click the Continue button, and we will show your secret Safe With Citizens image and phrase. These allow you to verify that you are at the Citizens' Money Manager GPS site. You now know it is safe to enter your Password.

When you are signing in from a different computer or location that we do not recognize, we will ask you one of your challenge questions to verify your identity. When you answer correctly, the secret Safe With Citizens image and phrase appears. You then will know it is safe to enter your Password and log in.

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Why am I getting a blank page after I click Continue when I try to login?

You have an outdated or corrupt Macromedia® Flash® Player installed on your computer.
You must uninstall your current player and reinstall a current Flash Player version.

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Has my Password changed?

No. The Safe With Citizens image, phrase and answers you provide to the four challenge questions are separate from your regular Money Manager GPS login Password.

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Does Safe With Citizens use cookies?

One of the ways we recognize you and your computer is by placing a cookie on your computer when you sign up for our Safe With Citizens service. The cookie contains a randomly generated, unique number used as an identifier. When you log in again, your Web browser sends us this cookie that lets us know you are using your computer. The cookie is visible only to the Money Manager GPS site at Citizens and does not contain any personal information. You can also access Money Manager GPS from any number of computers and enjoy the same Safe With Citizens protections.

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What is a cookie?

A cookie is a piece of securely coded information that Citizens sends to your computer when you sign up for our Safe With Citizens service. Cookies include a randomly generated, unique number used as a registration identifier. Every time you log in from that same computer, your Web browser sends this cookie to us to let us know that you are using your computer.

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Does Safe With Citizens Use Flash Objects?

Yes. If you have Macromedia® Flash® installed on your computer, we will use Macromedia Flash Objects to identify your computer in the event that we cannot identify your cookies. By using Flash Objects as a backup method for recognizing you as a valid user, we ensure that your login experience is as quick and convenient as possible.

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What is a Flash Object?

Macromedia Flash Objects store data (in much the same way that cookies do) on your computer. If you have Macromedia Flash installed, Citizens can use Flash Objects to recognize your computer in the event that you erase all your cookies. If we cannot identify you by your cookies, we can identify you as a valid user without having to ask you one of your Safe With Citizens challenge questions.

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How is Safe With Citizens more secure?

Safe With Citizens is more secure because it:

  • Prevents automated attempts to access your information
  • Allows you to know that you are at the valid Citizens Money Manager GPS site before you enter your Password.
  • Allows us to recognize your computer and/or location and present challenge questions to help us verify your identity if necessary.

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What if someone steals my Password? How will Safe With Citizens prevent someone else from accessing my account?

When an unauthorized person tries to log in from another computer, we will recognize that the unauthorized user is at a different computer and/or location. We'll ask one of your challenge questions. Without the correct answer, an unauthorized user will not be able to log in to your account.

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Why do I need to set up challenge questions?

Challenge questions help prevent unauthorized users from accessing your Money Manager GPS information. Even if an unauthorized person has stolen your Customer and User IDs and Password, the challenge questions will foil attempts to log in to your account. If someone signs in from a computer that we don't recognize (for example, if you log in from a public library), we'll ask you a challenge question to verify that it's really you.

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What keeps somebody from stealing my Safe With Citizens image and image phrase?

After you click the Continue button, we only show your Safe With Citizens image and image phrase automatically if you log in from a computer we recognize as yours. If you're at a different computer, we ask one of your challenge questions before showing the image and phrase.

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When I enter my Customer and User IDs, it asks me a question instead of showing my Safe With Citizens image. Why?

We want to verify that it's really you logging in to your account. We ask a challenge question when you're signing in from an unrecognizable computer and/or location. Your correct answer confirms that it's really you.

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How do I know I'm at the genuine Money Manager GPS site?

Safe With Citizens will help you identify our valid site. Type the correct address (https://www.citizensbankmoneymanagergps.com/) directly into your Web browser. When you arrive at the site and enter your Customer and User IDs, click the Continue button, and your secret Safe With Citizens image and phrase will appear. That's confirmation that you're at the bank's legitimate Web site. If you do not see your secret image and phrase and are not asked your secret challenge question, do not enter your Password. Since this may represent a fraudulent Web site, please report this immediately to us at fraud_prevention@citizensbank.com.

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How do you know that I'm signing in from my own computer?

When you sign up for our Safe With Citizens service, we put a secure cookie and/or Flash Object on your computer. This information contains randomly generated, unique numbers used as an identifier. When you log in again, your Web browser sends us this information to let us know that you're using your computer. The information is visible only to the Money Manager GPS site at Citizens and does not contain any personal information. You can also access Money Manager GPS from any number of computers and enjoy the same Safe With Citizens protections.

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Can I access Money Manager GPS from multiple computers?

Yes. You can access Money Manager GPS from any number of computers and enjoy the same Safe With Citizens protections. If you log in from a computer that you haven't used for Money Manager GPS before, simply answer one of your challenge questions to verify that it's really you. Once you answer the question correctly, we will ask you if you want us to recognize that computer in the future. If you answer yes, you will not need to answer a challenge question when you use that computer again.

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I share my computer with someone who also uses Money Manager GPS. Can both of us still sign in from this computer?

Yes. You can use the same computer to log in to your individual Money Manager GPS accounts safely; you won't see each other's information. There's no limit to how many people can log in to Money Manager GPS at Citizens from the same computer. Just remember not to share your Customer and User IDs, Password or answers to your challenge questions.

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Can I change my Safe With Citizens image, phrase and challenge questions?

Yes. You can change your Safe With Citizens image, phrase and challenge questions at any time. We will never ask you to change your Safe With Citizens information, and we will never change it for you. To make the change, log in to Money Manager GPS and go to the User Profile tab. Then click on the Edit Safe With Citizens link.

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Is there a fee for using the Safe With Citizens service?

Safe With Citizens is free. It's just one more way we're working with you to safeguard your privacy and security.

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How do I sign up for Safe With Citizens?

Signing up for Safe With Citizens is quick and easy. You simply choose a Safe With Citizens image, phrase and four challenge questions. You have two ways of signing up for Safe With Citizens - at the time of Money Manager GPS enrollment (after January 2007), or, if you are already enrolled, you will be prompted to set up your Safe With Citizens image, phrase and four challenge questions during our rollout period from January 2007 to March 2007.

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What is Your Image and Your Phrase?

Your Image and Your Phrase are an Image and a Phrase that you select during Safe With Citizens enrollment. They help you recognize that you are at the valid Money Manager GPS site at Citizens, rather than at a fraudulent site, as they will only appear to you when you are at our site.

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What if I forgot my Image?

If you forgot Your Image or Your Phrase, please contact your System Administrator for Money Manager GPS, so they can allow you to reset Your Image and Phrase. You can also call Cash Management Client Services to reset Your Image and Phrase.

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Citizens Money Manager GPS and the Citizens Logo are registered marks of Citizens Financial Group, Inc.
© 2004 Citizens Financial Group, Inc. All rights reserved.
Citizens Bank is a brand name of RBS Citizens, N.A. and Citizens Bank of Pennsylvania