Citizens Bank, officially recognized as Citizens Bank, National Association, was established on May 13, 2005, as indicated by its FDIC insurance start date​. However, its roots trace back to High Street Bank, founded in 1828 in One Citizens Plaza, Providence, Rhode Island 02903, where its headquarters remains situated. Citizens Bank operates as a National Bank, a member of the Federal Reserve System (FRS), with the Comptroller of the Currency serving as its primary federal regulator.

To Read Core Details Of Citizens Bank In short CLick Here.

Citizens Bank is recognized as a FDIC-insured institution, under the FDIC certificate #57957, ensuring the safety of its depositors' funds up to applicable limits​​. With regard to its banking class, it is classified under the "National Banks" category, showcasing its extensive reach and regulatory compliance​.

Banking with Citizens encompasses a plethora of services including personal banking, business banking, and credit offerings. For instance, they recently introduced a digital account opening feature for small business customers, allowing for the seamless creation of sole proprietorship deposit accounts online. Additionally, they offer various types of credit cards and home equity lines of credit, with each product structured to cater to diverse financial needs and situations of their customers.

Citizens Bank operates 1100 branches across numerous states in the US, with a notable presence in regions like Massachusetts, Pennsylvania, and New York, among others. Some data reflects the existence of 32 branches in Connecticut, 244 branches in Pennsylvania, and 198 branches in Massachusetts, to name a few, showcasing a substantial network of branches and 3400 ATMs across the nation.

Routing transactions through Citizens Bank is facilitated by its routing number, which is CLick Here. This number is crucial for various banking transactions including wire transfers and direct deposits. Here is the list of Citizens Bank Routing Numbers CLick Here.

Concerning their banking policy, Citizens Bank provides accessible guides outlining the fees, services, and policies associated with their checking accounts. These guides aim to offer clarity on the pricing, operations, and regulations surrounding their banking products, thereby enabling informed decision-making by their customers.

This overview encapsulates key aspects of Citizens Bank, shedding light on its foundation, operational framework, and customer-centric banking solutions, all anchored on a rich heritage dating back to the early 19th century.


Bank Name Citizens Bank
Headquarters One Citizens Plaza, Providence, Rhode Island 02903
Bank Class National Bank - FED Member
CEO Bruce Van Saun
Bank FDIC Cert #57957
Swift Code CTZIUS33XXX
Atm's 3400
Location 1100 Branches in 14 states
Routing Number Click Here
Customer Service 1 (800) 922-9999
Credit Card Support 1-888-307-9565
Number of Employees 18,100+
Area Served Regional


State Citizens Bank routing number For Wire Transfer State Citizens Bank routing number For Wire Transfer
Connecticut 211170114 011500120 Delaware 031101143 031101143
Massachusetts 211070175 011500120 New Hampshire 011401533 011500120
New Jersey 036076150 036076150 New York 021313103 021313103
Pennsylvania 036076150 036076150 Rhode Island 011500120 011500120
Vermont 021313103 021313103 Michigan 241070417 241070417
Ohio 241070417 241070417    


A SWIFT code, also known as a BIC (Bank Identifier Code), is a standard format for uniquely identifying banks globally, especially during international transactions. It comprises 8-11 characters. The first 4 characters represent the bank's code, the next 2 denote the country, followed by 2 for the city. The remaining characters (which are optional) specify the bank's branch. This system ensures secure and efficient cross-border transfers. For instance, when sending money overseas, one would need the recipient's bank SWIFT code. It acts as an address that tells where to send the money, ensuring funds reach the correct institution.


CTZI Bank code
US Country code
33 Location code
XXX Branch code
  • Country code A-Z

    2 letters representing the country the bank is in.

  • Location code 0-9 A-Z

    2 characters made up of letters or numbers. It says where that bank's head office is.

  • Branch Code 0-9 A-Z

    3 digits specifying a particular branch. 'XXX' represents the bank’s head office.


Below is a list of some important events in banks history, including mergers and acquisitions.

05-13-2005 Institution established. Original name: Citizens Bank, N.a..
05-13-2005 Changed Trust Powers to Full.
09-01-2007 Changed Institution Name to Rbs Citizens, National Association.
09-01-2007 Main Office moved to One Citizens Plaza, Providence, RI 02903.
09-01-2007 Acquired Citizens Bank of Massachusetts (18562) in Boston, MA.
09-01-2007 Acquired Citizens Bank of Rhode Island (16954) in Providence, RI.
09-01-2007 Acquired Citizens Bank New Hampshire (6214) in Manchester, NH.
09-01-2007 Acquired Citizens Bank (57281) in Wilmington, DE.
09-01-2007 Acquired Charter One Bank, National Association (28932) in Cleveland, OH.
09-01-2007 Acquired Citizens Bank of Connecticut (18197) in New London, CT.
09-01-2007 Acquired Rbs National Bank (57858) in Bridgeport, CT.
04-16-2014 Changed Institution Name to Citizens Bank, National Association.
01-02-2019 Acquired Citizens Bank of Pennsylvania (57282) in Philadelphia, PA.
04-07-2022 Acquired Investors Bank (28892) in Short Hills, NJ.