Get MORE from your
everyday banking.
Save hundreds of dollars a year with Circle Gold Checking ® our premier
checking package. With Your Bank, you'll enjoy special benefits, including:
Fee Waivers:
• No monthly maintenance fees – that's a saving of $240 per year
• No-annual-fee overdraft protection (from line of credit or savings)
• Transactions at other banks' ATMs are free*
• Free Circle Design checks or a $15 credit toward the design of your choice
Preferred Rates:
• Higher rates on Circle Gold Savings, Money Market, and CDs
• 1/8% discount on a Citizens Bank Mortgage
• 1/4% discount on a Home Equity Loan or Line
Other Savings:
• No-fee American Express ® Travelers Cheques
• Free Official Checks
• Free Stop Payments
• Free Foreign Currency Exchange
• 15% discount on safe deposit box rental (where available)
Preferred Service:
• Free Switch Support to help you move your accounts to Citizens
• First to Know emails to give you early notice of special offers and programs before the general public
Rewards:
Make your account work even harder, with your choice of rewards program:
• Everyday Points® to earn valuable rewards on your purchases.
•G
reen$ense® to help you earn up to $120 each year when you pay without paper. Increase your earnings by adding a Green$ense credit card to earn 30
cents on each credit card purchase, up to $30 a month, or $360 per year.
Ready to open your account?
See important instructions below for the channel of your choice. Visit a branch, online or call 1-866-571-4653.
Important Instructions
When opening your accounts, be sure to let the branch banker or phone representative know you are Citizens Bank employee and ask them to provide the waiver
code on your account. If you are applying online, when you get to the "promo code" box, please enter the first three digits of the appropriate colleague code,
below, followed by your Employee ID Number to ensure the monthly fee is waived on your account:
• CFG for CFG Citizens or Charter One Employees
• RBS for RBS or GBM Employees
*Citizens does not impose a charge for use of a non-Citizens ATM. However, some non-Citizens ATMs may require a fee to use.
Member FDIC. Everyday Points ® Program: $25 program annual fee applies. In the case where your only enrolled account(s) in the Program is the Credit Card and/or the Business Credit Card, you will not be charged the Annual Program
Membership Fee. Terms, conditions, restrictions apply. Green$ense credit card: Earn 30¢ in Green$ense Cash on every Green$ense Credit Card purchase after you make 10 qualifying transactions from a checking account already enrolled
in Green$ense. Green$ense ® Minimum 10 eligible transactions in a month to receive 10 cents per transaction. Earnings will be reported to the IRS for income tax purposes. Patent Pending. HRFL11080M0
MORE benefits to help with
other areas of your life
More benefits for the way you live.
HOME Buyer assistance
• RBS offers $5,000 to $8,000 to help all eligible colleagues in the US, including commissioned colleagues (except seasonal or
temporary) with the purchase of their principal residence. This unique program provides a five-year forgivable loan that can be
used for expenses associated with purchase or construction of a primary residence.
• Learn more at RBS Americas HR – log in and click on the “Other Benefits” link, or call the Human Resources Service Center
at 1-866-472-8234.
• Contact the Human Resources Service Center at 1-866-472-8234 to apply for this program at least 10 business days
before your closing date.
Pet Insurance
• Purchase comprehensive medical coverage for your pets for unexpected illnesses or accidents at a 5% discount on policy cost.
You can enroll at any time and purchase coverage for routine care for cats and dogs.
• Learn more at RBS Americas HR – log in and click on the “Other Benefits” link, or call the Human Resources Service Center
at 1-866-472-8234.
• To Apply call VPI at 1-800-USA-PETS or visit VPI Pet Insurance. Be sure to tell them you’re a Citizens Bank employee to
get the 5% discount on the cost of your policy.
Legal Services
• Get access to a network of attorneys for a wide range of legal services, including:
• Preparation of wills and living wills
• The purchase, sale and refinancing of your home
• Debt collection defense
• Small claims assistance
• Learn more at RBS Americas HR. Simply click on the “Other Benefits” link, or call the Human Resources Service Center
at 1-866-472-8234.
• Please note: Enrollment is only available during annual benefits enrollment.
Citizens Bank is a brand name of RBS Citizens, N.A. and Citizens Bank of Pennsylvania
YOUR SAVINGS BENEFITS
Enjoy the benefits of Circle Gold Banking - free for all employees!
As a Citizens Financial Group colleague, enjoy the benefits of Circle Gold Banking - free for all employees! Being a Citizens
Financial Group colleague has its benefits. And with Your Bank, you can take advantage of another one to help you build savings –
Circle Gold Banking. Whether you’re saving for educational expenses, a dream vacation, home improvements, or to build a rainyday fund, Circle Gold Banking offers these great benefits:
• Preferred rates
• Peace of mind with FDIC insurance
GoalTrack Savings - Our free GoalTrack Savings program rewards you for reaching your savings goals, while giving you easy
tools to help you stay on track.
CollegeSaver – If you’re saving for a child’s education, get a jump start on your savings and earn $1,000 bonus, plus enjoy
an easy and manageable savings plan to help you reach your goal.
HomeBuyer Savings – If you’re saving for a new home, give yourself a head start and earn $1,000 off your closing costs by
saving regularly, plus get help staying on track.
Click here to find out even more great savings options.
Member FDIC. CollegeSaverSM: Variable-rate Annual Percentage Yield (APY). As of 5/14/10, APY by tier is: .30% for $25+, .40% for $1,000+, .40% for $2,500+, .50% for $10,000+, .50% for $25,000+, .50% for $50,000+, .50% for
$75,000+, .50% for $250,000+, and .50% for $1,000,000+. APY may change after account opening. Minimum balance for the bonus at beneficiary’s 18th birthday varies. We can end this program without notice; if so we will prorate
the bonus and interest for eligible beneficiaries. Interest will be reported to the IRS for the account owner (e.g., a parent or a child for UTMA). We are seeking guidance from the IRS on reporting earnings and asking permission to defer
reporting the bonus and accrued interest as income until it is paid at your child’s 18th birthday. Please consult a tax advisor. Patent Pending. HomeBuyer SavingsSM: Minimum to open $100. Terms, conditions and withdrawal limitations
apply. This does not represent a formal commitment for and participation in this savings plan does not guarantee that we will provide you with a mortgage loan. To obtain the $1,000 credit you must separately qualify, be approved
and close on a mortgage with us within 3 years after the end of the 3-year savings period. Your account must remain open until you close on a mortgage loan with us. One credit per mortgage loan. Patent Pending. CollegeSaverSM and
HomeBuyer SavingsSM are service marks of Citizens Financial Group, Inc.
Citizens Bank is a brand name of RBS Citizens, N.A. and Citizens Bank of Pennsylvania
Home Borrowing
Whether you're looking for a mortgage to buy or refinance a home, or
need extra cash to tackle a home improvement project, we have mortgage
and home equity solutions for you.
Home Equity Loans
Get the money you need in a lump sum – at a guaranteed fixed rate. Our home equity loans offer competitive rates.
With Your Bank, you'll save with a 1/4% rate discount.
Home Equity Lines
Borrow as you need to – with a revolving Home Equity Line of Credit. Our lines offer flexible repayment terms
and an added 1/4% discount with Your Bank.
Mortgage
Purchasing, renovating, or refinancing your home? With your Circle Gold Banking relationship, available with Your Bank,
you'll get 1/8% off your rate or $250 off mortgage closing costs. Plus, you'll enjoy all the other benefits of Circle Gold
Banking, including no monthly maintenance fees, preferred savings rates, and a choice of rewards programs. Home Equity offer: Rates and line caps vary by state. The ¼% discount is in addition to standard pricing based on your banking relationship. (Best loan pricing is for colleagues with a Circle or Circle Gold package who make automatic
payments.) Mortgage offer: Circle Gold Checking account with automatic payment deduction required to be eligible for 1/8% discount. One offer per property. Not applicable to Bond, CRA or Jumbo loan programs. Other program
restrictions may apply. Closing cost discount applies to first mortgages only and for purchases or refinances funded through the CFG family. One discount per property address per calendar year. Offer is applied only once if 2 employees
are applying for the same loan. Offer does not apply to mortgages originated through a lender other than CFG. Mortgages are offered and originated by RBS Citizens, N.A. All loans are subject to approval.
Equal Housing Lender.
Member FDIC. ©2010 Citizens Financial Group. All rights reserved.
Citizens Bank is a brand name of RBS Citizens, N.A. and Citizens Bank of Pennsylvania
Enjoy Extra Rewards
Choose the rewards program that fits your life.
Make everyday purchases and get rewarded like never before. Citizens Bank gives you the freedom to choose the reward program that
fits your life. Choose from:
Everyday Points ®
Earn 3x (colleague-exclusive offer) rewards points on all your purchases with your credit card. Plus get bonus points for –
• Registering online
• Having multiple products
• Every time you pay a bill online
Points are redeemable for gift cards, merchandise, travel, and even banking rewards. You can combine points — your Citizens Bank Everyday
Points Debit and Credit cards in one place to earn rewards even faster because the more accounts you have – the more points you can earn.
GET paid up to $480 with Green$ense ®
Get paid up to $120 each year with any checking account through Green$ense ®. With Green$ense ® you can earn up to $10 a month or $120 a
year. We’ll pay you 10 cents every time you use your debit card or pay a bill online. With a Green$ense Platinum MasterCard® Credit Card you
can earn 30 cents on each credit card purchase, up to $30 a month, or $360 per year.
Less paper is good for the environment. More money is good for you.
fuelperks!
Earn more Giant Eagle fuelperks! ® than ever before, every time and everywhere you use your Citizens Bank debit card. Swipe, sign and see the
fuelperks! add up. This program is only available to Citizens Bank colleagues in Western Pennsylvania.
So when it comes to rewards, the choice is yours, whether it’s cash, merchandise, travel, helping the environment and more.
Member FDIC. Everyday Points ® Program: $25 program annual fee applies. In the case where your only enrolled account(s) in the Program is the Credit Card and/or the Business Credit Card, you will not be charged the Annual Program
Membership Fee. Terms, conditions, restrictions apply. See charterone.com/everdaypoints or speak to a banker for more details on the Everyday Points program.
Green$ense®. Minimum 10 eligible transactions in a month to receive 10 cents per transaction. Earnings will be reported to the IRS for income tax purposes. Patent Pending.
Green$ense Credit card: Earn 30¢ in Green$ense Cash on every Green$ense Credit Card purchase after you make 10 qualifying transactions from a checking account already enrolled in Green$ense.
fuelperks!® Certain restrictions may apply. fuelperks! exclusions apply inside Giant Eagle and GetGo. See fuelperks! Simple Program Guide for details. Purchase restrictions: Offer excludes purchases of alcohol, tobacco, fuel, price
controlled milk products (PA only), kerosene, state- and federally funded pharmacy prescriptions,postage stamps, lottery tickets, Giant Eagle and GetGo ® gift cards, Visa ® prepaid reloadable gift cards, money orders, phone card
purchases at GetGo, Western Union, ® amusement or entertainment tickets, copy or fax machine service, delivery charges, fundraising activities, donations, returned check service fees and items prohibited by law. Purchases of fuel at
GetGo are treated as outside purchases. fuelperks! discounts are calculated after all of the aforementioned items, all store discounts and all coupons (including manufacturer coupons) have been subtracted from the order. fuelperks! are
not earned on the amount of sales tax and other taxes paid by the consumer. fuelperks! are earned outside Giant Eagle and GetGo on non-PIN debit transactions only. fuelperks! discounts earned by shopping at merchants other than
Giant Eagle or GetGo may take up to five days to become active. For complete fuelperks! terms and conditions, please stop by a Giant Eagle or GetGo store or visit GiantEagle.com.
Citizens Bank is a brand name of RBS Citizens, N.A. and Citizens Bank of Pennsylvania
Credit cards
Credit Cards to fit your life.
We offer our colleagues the best products and rates available anywhere. Take a moment to see what we have to
offer and apply today!
Everyday Points® Platinum MasterCard®
• Earn 3 points for every dollar you spend (3 points without additional bank relationships
is a colleague-exclusive offer)
Green$ense® Platinum MasterCard®
• Earn up to $30 each month
Accelerator Rewards Platinum MasterCard®
• Earn 10% cash back on gasoline purchases for the first 90 days & 3% on gas thereafter
(the 3% cash back is a colleague-exclusive offer)
CustomCash Platinum MasterCard®
• Earn up to 3% cash back on purchases (CustomCash is a colleague-exclusive offer)
Platinum MasterCard®
• 7.99% low APR on balance transfers and purchases* (this low rate is a colleague-exclusive offer)
To learn more or apply now, click here.
*7.99% APR for Purchases and Balance Transfers only will remain in effect, as long as your account remains in good standing. A Balance Transfer fee of 3% of the amount ($10 min.) will apply. The 7.99% APR does not apply to cash
advances. Higher rates apply in the event of default up to 29.99%. Minimum Finance Charge: $1.50. Foreign Transaction Fee: 3% of the transaction amount. Upon approval “Important Terms and Disclosures” will be sent with your credit
card providing more specific details on applicable rates, fees, and offer expiration dates.
Citizens Bank is a brand name of RBS Citizens, N.A. and Citizens Bank of Pennsylvania
Online Banking
Get greater control of your money with new
and improved Online Banking!
Get the convenience of accessing your complete financial relationship – mortgages, credit cards, loans and lines of credit,
checking and savings accounts,– with enhanced Online Banking:
• Make easy internal and external transfers. You can now make transfers between your Citizens Bank accounts and your
accounts at other financial institutions. Incoming transfers are free. Outgoing transfers are just $3.00 per transfer. You can
also initiate transfers to other Citizens Bank customers which are also free.
• View personal mortgage balances and access your account information through a link to CCO Mortgage –
My Mortgage Account
• Access your personal credit card information. You can view balances, transactions, and make payments.
• View improved check images.
• See pending transactions online.
Plus, you can take advantage of all the other great benefits of Online Banking, including the ability to:
• Pay virtually anyone with our free Bill Pay service.
• Go paperless with online statements.
• View up to 18 months of account activity.
• Set account alerts to your email or mobile phone.
• Download account information to Quicken ® or Microsoft ® Money
(Get instructions on linking your software with online banking).
If you’re new to Online Banking and would like to enroll now, just click here for Citizens Bank and then click on the Enroll Now
button. To view our Online Banking demo, please click here.
Member FDIC. Citizens Bank is a brand name of RBS Citizens, N.A. and Citizens Bank of Pennsylvania
Identity Theft Protection
Enroll in PrivacyGuard for $12.99 per month, and enjoy a second
membership FREE of charge for your spouse or partner.
Identity theft is the fastest growing crime in America. To help you protect yourself, we’re pleased to offer our colleagues
PrivacyGuard ®. This single, easy-to-use solution can help you manage and protect your identity, your credit, and your good name.
Your PrivacyGuard membership makes it easy to:
Monitor your records:
• Access your triple-bureau credit reports, online or by mail.*
• Receive an analysis of your personal credit score.
• Review your driver’s record, medical information bureau file, social security report and more.
Be aware of changes:
• Receive daily credit monitoring with “alerts” to notify you of certain changes to your credit report.**
Get Assistance:
• Access a credit information hotline, 24-hours a day at 1-800-374-8273 with questions about your credit report.
• Work with a dedicated caseworker to restore your identity if you become a victim of ID theft.
Protect yourself:
• Receive up to $25,000 in identity theft expense reimbursement. For residents of the State of New York, the insurance benefit
will be up to $10,000.***
• Register your payment cards and important documents to facilitate replacement if they are lost or stolen.
How to apply
· Existing colleagues apply during HR benefits enrollment period
· New colleagues apply during new colleague HR benefits enrollment period
· Click here to learn more
* Neither Trilegiant Corporation, its credit information subcontractors, nor Alliance Marketing Association shall have any liability for the accuracy of the information contained in the credit reports or Credit Alert reports which you
receive, including any liability for damages, direct or indirect, consequential or incidental. PrivacyGuard is not a credit counseling service and does not promise to help you obtain a loan or improve your credit record, history or
rating.** Daily monitoring will notify you of any inquiries, significant changes in credit score, certain derogatory information, or accounts that have been added to your credit reports as reported by a national credit reporting agency.
If no information has been added or changed, then you will receive a quarterly notification stating that no information has changed within your credit file.*** The Personal Identity Theft Protection insurance benefits are provided to
all members, together with PrivacyGuard’s other benefits, through Alliance Marketing Association an affiliate of Trilegiant Corporation, the provider of the PrivacyGuard service (the “Association”). Upon enrollment in the PrivacyGuard
service, you will automatically be admitted as a member of the Association. The Personal Identity Theft Protection insurance benefits are underwritten by Virginia Surety Company, Inc., which has issued the master policy with respect
to such benefits to the Association. Evidence of coverage under the master policy will be available to you upon enrollment in the PrivacyGuard service. The summary of policy benefits, terms, conditions and limits of coverage set
forth in the evidence of coverage are subject to the terms of the master policy. The federal Fair Credit Billing Act gives you the right to dispute billing errors, such as unauthorized charges, on your credit card by notifying your credit
card company in writing within 60 days after the first bill containing the error was mailed to you. The credit card company must resolve the dispute within two billing cycles (not to exceed 90 days) after receiving your notification.
You may withhold payment on the disputed amount (and related charges) during the investigation. You must pay the amount not in dispute. You will be informed in writing whether your bill is correct or contains an error. If your bill
contains an error, it will be corrected. Your liability for unauthorized charges is limited to $50. You are not required to enroll in PrivacyGuard to maintain your credit card.PrivacyGuard is a service provided by Trilegiant Corporation
in conjunction with Alliance Marketing Association. Citizens Bank is not responsible for the services provided by Trilegiant Corporation. The PrivacyGuard service may be modified or improved at any time and without prior notice.
PrivacyGuard and Credit Alert are registered service marks of Affinion Publishing, Inc. © 2006, Trilegiant Corporation Fees may apply.
Citizens Bank is a brand name of RBS Citizens, N.A. and Citizens Bank of Pennsylvania