Prepare for your HELOC closing

Understanding the process

Before Closing Checklist

  • You will receive a text message when your loan is ready to schedule.
  • If you plan to use your HELOC to pay off other loans or credit obligations, please be prepared to review those accounts during your call.
  • Open a Citizens Checking or Savings account, and once your account is active you can enroll in Online Banking, for quick access to your funds.
  • Set up Auto Pay if you want a HELOC rate discount. Call 1-888-462-0900 to sign up.
  • Ensure that all property owners can attend the closing.
  • Each property owner must bring a valid photo ID to the closing.

HELOC Account Access

Once the Rescission Period ends, you can access your HELOC funds in one of the following ways:

One-Time Deposit

If you requested funds to be drawn down immediately, they will be deposited directly into your Checking or Savings account four business days after your closing.

Online & Mobile Banking*

If you’re enrolled in Online Banking and have our free Mobile Banking app*, you can conveniently transfer funds and manage your account any time, anywhere. Want to “go paperless?” Sign up for monthly e-statements through Online Banking.

In Branch

Visit one of our convenient branch locations during regular business hours. Find a branch.

HELOC Checks

Use your HELOC checks, which should arrive within 3 weeks after your closing.

Learn More.

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What to expect after closing

From setting up your account to making your first payment, here’s what to expect after your HELOC Closing.

Frequently Asked Questions

© Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC

† For additional information, please click the † symbols throughout this page to view our home equity line of credit disclosures.

Home Equity Lines of Credit are offered and originated by Citizens Bank, N.A. (NMLS ID# 433960) All loans are subject to approval.

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

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