Smart money habits start early. Our products for young adults help you manage paychecks, grow your savings, and start building credit.
Start your financial journey with no monthly maintenance fee while you’re under 25.
Citizens graduate student loans are tailored to your advanced degree program. Get flexible terms, no repayment fees, and additional benefits for existing customers.
Simplify your payments or lower your rate with student loan refinancing — so you can focus on your next chapter with more financial freedom.
With benefits like rate discounts and smart payment terms, you can stress less and enjoy more by refinancing your student loans.
Take control of your financial health by refinancing your student loans. Low rates and reduced monthly payments could save thousands.
A Citizens Money Market account can help you grow your cash reserves with competitive yields and FDIC insurance.†
Grow your money with a fixed rate online-only certificate of deposit (CD).
Our advisors can build you a personalized financial plan^^ no matter where you are on your financial journey.
College is expensive. Scholarships can help make it more affordable. Citizens and College Raptor, Citizens’ college planning platform, have a great scholarship search tool and two easy-to-apply-for scholarship opportunities to help.
Citizens is giving away $55,000 in scholarships annually for school expenses. No essays, no contest, no sweat. No purchase necessary.*
College Raptor, Citizens' college planning platform, is giving away $2,500 four times a year to help pay for school expenses. No purchase necessary.**
Find billions of dollars available in institutional, private, and government scholarships, all in one place. See how much you could be eligible for.

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Any school represented in this article does not endorse and is not affiliated with Citizens or any Citizens Student Loan products or services.
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† For additional information, please click the † symbols throughout this page to view our checking and deposits disclosures.
^ For additional information, please click the ^ symbols throughout this page to view our student lending disclosures.
† † For additional information, please click the † † symbols throughout this page to view our credit card disclosures.
For U.S. citizens, permanent residents, or eligible non-citizens with a creditworthy U.S. citizen or permanent resident co-signer, Citizens provides student lending services in the following United States and U.S. Territories: AL, AK, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, AS, GU, MP, PR, VI
* Citizens Scholarship: No purchase necessary. Void where prohibited. The Citizens Scholarship Sweepstakes is open to legal residents of the 50 United States, D.C., and U.S. Territories, who are 18 years of age or older, are students, or prospective students, or parents or legal guardians of students intending to enroll or enrolled at least half-time in an accredited undergraduate/graduate post-secondary institution. To be eligible for a chance to win the Citizens Building the Workforce of the Future Scholarship entrants must be from an underrepresented or a low-income community as described in the Official Rules. Sweepstakes begins at 12:00 AM ET on 4/1/25 and ends at 5:00 PM ET on 3/31/26. Sponsored by Citizens. See Official Rules for details.
** No purchase necessary. Void where prohibited. The $2,500 College Raptor Scholarship Contest is open to legal residents of the 50 United States, D.C., and U.S. Territories, who are 16 years of age or older, and are students or prospective students who are enrolled or intending to enroll in an accredited undergraduate/graduate post-secondary institution no later than Fall 2027. The Contest begins at 12:00 AM ET on 1/1/26 and ends at 11:59 PM ET on 3/31/26. See https://www.collegeraptor.com/page/2500scholarship-terms-conditions/ for details.
1 Important information about rates and fees
2 For more information visit citizensbank.com/account-safeguards/unauthorized-transaction-policy.aspx
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
Credit cards are issued by Citizens Bank, N.A. pursuant to license by Mastercard International Incorporated.
College Raptor, Inc. is a wholly owned subsidiary of Citizens Bank, N.A. (Citizens)
^^ Citizens Securities Inc. does not provide legal or tax advice. You should do your own research and/or contact your own independent legal or tax advisor for assistance with questions you may have regarding the tax or legal implications of your investments.
Banking products are offered through Citizens Bank, N.A. ("CBNA"). For deposit products, Member FDIC.
All investing involves risk, including the risk of loss of principal. Investment risk exists with equity, fixed income, and other marketable securities. There is no assurance that any investment will meet its performance objectives or that losses will be avoided.
Citizens Wealth Management (in certain instances DBA Citizens Private Wealth) is a division of Citizens Bank, N.A. (“Citizens”). Securities, insurance, brokerage services, and investment advisory services offered by Citizens Securities, Inc. (“CSI”), a registered broker-dealer and SEC registered investment adviser - Member FINRA / SIPC. Investment advisory services may also be offered by Clarfeld Financial Advisors, LLC (“CFA”), an SEC registered investment adviser, or by unaffiliated members of FINRA and SIPC providing brokerage and custody services to CFA clients (see Form ADV for details). Insurance products may also be offered by Estate Preservation Services, LLC (“EPS”) or an unaffiliated party. CSI, CFA and EPS are affiliates of Citizens. Banking products and trust services offered by Citizens.
SECURITIES, INVESTMENTS AND INSURANCE PRODUCTS ARE SUBJECT TO RISK, INCLUDING PRINCIPAL AMOUNT INVESTED, AND ARE:
· NOT FDIC INSURED · NOT BANK GUARANTEED · NOT A DEPOSIT · NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY · MAY LOSE VALUE