Become a Platinum Customer today

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Platinum benefits are available to all customers that maintain the following relationship with Citizens Bank.  Customers must have a Citizens Personal Checking account with balances over $1000.00 and : 1) total person combined deposits of $40,000 or 2) combined person deposits and loans of $75,000 excluding credit cards or 3) $250,000 in combined business deposits and loans excluding credit cards and including business loans personally guaranteed by the customer as of last qualification date or 4) $100,000 or greater with Raymond James at Citizens Investment Services* at the time of review to receive benefits.1  Periodically, you will receive mailers with exciting special offers in addition to the benefits listed below. qualifications are subject to change.


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PLATINUM BENEFITS




  • All ATM fees or surcharges automatically reimbursed when using your Citizens Debit MasterCard® anywhere worldwide. 2
  • 0.25% Bonus on New CDs with terms 12 months or greater (excluding specials).
  • 0.50% Discount on New Personal Installment Loans with auto-draft from your Citizens Bank Checking Account when established at loan closing. (0.25% Discount on these Loan types without auto-draft from a Citizens Bank Checking Account).
  • No Closing Costs on any New Home Equity Line of Credit.3
  • 50% Off Origination Fee on closed-end in-house Mortgages4
  • Free Select Designer Checks.
  • Increased DebitMasterCard® ATM daily withdrawal limits for travel or large purchases, higher temporary Debit MasterCard® ATM daily withdrawal limits are available.
  • No Fee Money Orders or Cashier's Checks.
  • 50% Discount on one Safe Deposit Box (subject to availability).

1 Accounts must be in good standing. Benefits and qualifications are subject to change. Eligibility determined on a periodic basis. This determination will take place every 3-6 months. Customers will be notified upon activation of Platinum benefits.
2 Fee reimbursement does not apply to ATM transactions using a card in the name of a non-Platinum customer tied to you account.
3  Annual Percentage Rate (APR) may vary and is based on an index plus margin.  As of December 18, 2024, the APR is 7.50% - 9.50% and the daily periodic rate is .0205479 - .0260273.  The maximum APR is 18%.  The margin used to determine the APR is based on borrower’s credit score and is established prior to closing.  The minimum Line of Credit is $10,000.  The maximum combined loan-to-value including all loans secured by the property is 80%.  Property insurance is required.  Subject to property and credit approval.  Some restrictions apply.  A balloon payment may result if only the minimum periodic payments are made.
4 Offer excludes secondary market loans.  Subject to property and credit approval. Some restrictions apply.
 
Benefits are subject to change.