Citizens Bank operates branches across the Northeast and Midwest, plus online banking nationwide

Citizens Bank is headquartered in Providence, Rhode Island, and operates physical branches in eleven states: Rhode Island, Massachusetts, Connecticut, New York, Pennsylvania, New Jersey, Ohio, Indiana, Illinois, Kentucky, and Vermont. The bank also serves customers nationwide through its website and mobile app, so you can bank online regardless of where you live. If you need to visit a physical location, the bank's branch locator on its website shows addresses, hours, and services available at each branch near you.

Citizens Bank is a subsidiary of Royal Bank of Canada (RBC), one of the largest banks in North America. This ownership structure does not change how Citizens Bank operates or where its branches are located—it simply means RBC owns the parent company. Citizens Bank maintains its own brand, customer service, and branch network separate from RBC's other operations.

Key Takeaways

  • Citizens Bank has physical branches in eleven states, concentrated in the Northeast and Midwest, with headquarters in Providence, Rhode Island.
  • You can open an account and conduct most banking online or through the mobile app, even if you live outside the states where branches are located.
  • The bank's branch locator tool on its website shows exact addresses, hours, and which services each location offers.
  • Citizens Bank is owned by Royal Bank of Canada but operates independently under its own brand and customer service structure.

States where Citizens Bank has physical branches

Citizens Bank branches are concentrated in the Northeast and Midwest. The largest branch networks are in Massachusetts, Pennsylvania, and New York, where the bank has hundreds of locations. Connecticut, Rhode Island, New Jersey, and Ohio each have dozens of branches. Vermont, Indiana, Illinois, and Kentucky have smaller networks, typically in major cities and suburbs.

If you live in one of these states, you can visit a branch to deposit checks, withdraw cash, open accounts, or speak with a banker about loans and investment services. If you live outside these states, you can still use Citizens Bank for checking, savings, and most other services through online banking—you simply cannot walk into a physical branch.

How to find a specific Citizens Bank branch

The fastest way to locate a branch is to use the branch locator on Citizens Bank's website. Enter your address or zip code, and the tool shows all nearby branches with their addresses, phone numbers, hours of operation, and a list of services available at each location. Some branches offer full services (loans, investment advice, safe deposit boxes), while others are smaller and handle basic transactions only.

You can also call Citizens Bank's main customer service line to ask about branch locations and hours. The phone number is on your debit card, bank statements, or the Citizens Bank website. If you are planning to visit for a specific service—such as opening a business account or discussing a mortgage—calling ahead to confirm the branch offers that service can save you a trip.

Banking online if you are outside Citizens Bank's branch states

Citizens Bank allows you to open a checking or savings account online without visiting a branch, regardless of where you live. You will need a valid government ID and a Social Security number to open an account. The process typically takes 10 to 15 minutes on the Citizens Bank website or mobile app.

Once your account is open, you can deposit checks using mobile check deposit (photograph the front and back of the check through the app), transfer money between accounts, pay bills, and set up direct deposit. You can also withdraw cash at any ATM in the Citizens Bank network or at ATMs in partner networks, depending on your account type. If you need to speak with someone, customer service is available by phone, email, or through the mobile app.

ATM access outside branch locations

Citizens Bank operates its own ATM network across its branch states. If you hold a Citizens Bank debit card, you can withdraw cash at any Citizens Bank ATM without a fee. Outside Citizens Bank's ATM network, you may be charged a fee by the other bank that owns the ATM—Citizens Bank does not control these fees, and the amount varies by bank and location.

Some Citizens Bank accounts include access to partner ATM networks that reduce or eliminate out-of-network fees. Check your account terms or call customer service to learn which ATM networks your account includes. If you travel frequently or live far from a Citizens Bank branch, choosing an account with broad ATM access can lower your costs.

Mailing address and corporate headquarters

Citizens Bank's corporate headquarters is located in Providence, Rhode Island. If you need to send mail to the bank—such as a check payment or a document—do not send it to the Providence address. Instead, use the mailing address printed on your bank statements, bills, or the Citizens Bank website, as different departments have different mailing addresses. Sending to the wrong address delays processing.

For general inquiries, customer service, or complaints, contact Citizens Bank through its website or by phone rather than by mail. Phone and online channels are faster and create a record of your communication, which is useful if a problem arises later.

Frequently Asked Questions

Can I open a Citizens Bank account if I do not live in one of the branch states?

Yes. You can open a checking or savings account online through the Citizens Bank website or app from anywhere in the United States. You will need a valid ID and Social Security number. Once your account is open, you can manage it entirely online, by phone, or through the mobile app.

What if I need to deposit cash and I do not have a nearby branch?

Citizens Bank does not offer cash deposits through the mail or ATM. If you do not have a branch nearby, you can deposit checks using mobile check deposit through the app. For cash deposits, you would need to visit a branch in person or transfer money from another bank account you control.

Does Citizens Bank have branches outside the United States?

No. Citizens Bank operates only in the United States. If you need international banking services, you would need to use a different bank or contact Citizens Bank's customer service to learn about wire transfer and international payment options.

Can I visit a Citizens Bank branch in a different state than where I opened my account?

Yes. Your Citizens Bank account works at any Citizens Bank branch, regardless of which state you opened it in. You can deposit checks, withdraw cash, or speak with a banker at any branch location. Some services, such as safe deposit boxes or certain loan products, may have different availability by location.