Automatic payments provide a means for automatically scheduling payments in Pay Bills based on the options you select. You can set up two different types of automatic payments. • Automatic Payments for Electronic Bills - If you receive electronic bills, some billers let you set up options for paying them automatically. You can decide whether to always pay the amount due or to set a limit on the amount for automatically paying the bill. You can also decide whether to make the payment on the due date or on the earliest date available after you receive the bill. • Automatic Payment Schedules - You can set up a schedule to pay bills of a set amount automatically at regular intervals. For example, you can schedule a payment at the first of each month to pay your mortgage or rent. This type of automatic payment is always available to you, regardless of whether or not you receive electronic bills from the biller. Depending on your preference, you can apply for Citizens Bank personal and business products online, over the phone, or by visiting a Citizens Bank branch near you. To apply online, just select the appropriate link from the top of this page and find the product you’re looking for. You’ll find information about applying online on the individual product page. You can also reach a banking advisor by calling the Citizens Bank PhoneBank at 1-888-910-4100, or just speak to a representative by walking into the Citizens Bank branch most convenient to you. You can review account history and current transactions, transfer funds between accounts, place stop payments, request copies of statements, send customer service requests via secured email, pay bills, view images of cleared checks, access your checking and savings account statements online, and much more. Retail Online Banking users have access to deposit accounts, loans, and lines of credit. Business users can access deposit accounts and overdraft lines of credit. They can also request that other business or personal accounts on which they have an eligible account ownership be linked to their online profile. Automatic payments provide a means for automatically scheduling payments in Pay Bills based on the options you select. You can set up two different types of automatic payments. • Automatic Payments for Electronic Bills - If you receive electronic bills, some billers let you set up options for paying them automatically. You can decide whether to always pay the amount due or to set a limit on the amount for automatically paying the bill. You can also decide whether to make the payment on the due date or on the earliest date available after you receive the bill. • Automatic Payment Schedules - You can set up a schedule to pay bills of a set amount automatically at regular intervals. For example, you can schedule a payment at the first of each month to pay your mortgage or rent. This type of automatic payment is always available to you, regardless of whether or not you receive electronic bills from the biller. You can use Online Banking to safely pay almost anyone in the United States, including national bank card companies, mortgage or auto loan companies, department stores, your health club, or the paperboy. Any company or individual you could send a check for payment to is eligible for payment through Online Bill Pay. Please note that individuals or businesses residing outside the United States are not eligible for bill payment. In addition, using Online Bill Pay for tax payments or court-ordered payments is prohibited. Direct deposit is the electronic transfer of a payment directly from the account of the payer to the recipient's account. It's not always convenient to make a trip to the bank to cash your payroll or Social Security check. With, you can have your funds automatically deposited into your checking account. So, there is no more running to the bank on payday or waiting in line to make deposits. And, because your funds are available on the date of receipt, you won't have to wait for checks to clear. The first step in enrollment is to ask your employer for direct deposit forms. These are very basic forms that will ask you to provide the following information to set up direct deposit: • Your bank’s ABA or routing number. Use your First Citizens Visa Debit card anywhere Visa Debit Cards are accepted, no more worries with checks or cash. Learn more >. This nine-digit number is found on the bottom left of your checks. Your checking account number. This is the main number for your checking account that you use for all deposits and withdrawals. It is found on the bottom of the check directly to the right of the routing number. • You may need to submit a voided check. This will allow the employer to verify the above information. Write VOID in large letters in ink across the check, covering most lines so that nothing else can be written in on the check. • Your bank's address. You should be able to find this information online, but you could also call a representative. Direct deposit can make it easier to save money if your employer will allow you to split your deposit between a and a. Set up only what you need for daily expenses to be directly deposited into your checking account and have the rest of your paycheck sent to savings. If your employer won’t set up a split direct deposit for you, consider setting up automatic transfers to occur as soon as the money from your paycheck is deposited into your checking. This allows you to save money without even thinking about it! You can also set up direct deposit with IRS refunds and Social Security payments. While the IRS does allow you to split the deposit, Social Security payments must go to one account initially. Your Citizens Bank Debit Card offers a convenient and secure way to make your purchases. With your Citizens Bank Debit Card, you can access money from your linked checking account by using it to make purchases or for making ATM cash withdrawals. • Use your debit card for purchases You can use it at millions of locations worldwide — at participating retailers and service providers including grocery stores, restaurants, gas stations — even for online and phone purchases. • Use your debit card at the ATM You get all the capabilities of an ATM card — you can get cash, transfer funds, and make deposits at no-fee Citizens Bank ATMs. When you use your debit card, funds are deducted from your checking account. You can use it in two ways: • You can simply sign for your purchase like a credit card. You must press the 'Credit' button and sign for your purchases. • You can use your PIN at participating retailers. You must press the 'Debit' or 'ATM' button on the retailer's terminal. Then enter your Personal Identification Number (PIN). With PIN-based purchases you can also get cash back when you make a purchase at participating merchants. Your options may differ depending on the merchant. Some merchants may require a signature (such as restaurants), while others may offer you the option of 'Credit' or 'Debit' when processing your purchase. Usually, if you select 'Credit,' you will sign a receipt to authorize your purchase. If you select 'Debit,' you will use your PIN. When you use your PIN, the funds are immediately taken from your account. When you use your debit card without your PIN, the merchant may request an authorization from us. If we approve the request, we immediately remove the authorized amount from your Available Balance through a debit card authorization hold. This hold remains on your account until we receive a final settlement request (instructions from the merchant for us to deduct the exact amount of your final purchase from your account). Whether you select 'Credit' or 'Debit,' the purchase amount will be deducted from your Citizens Bank checking account. It may take several business days for the actual purchase amount to replace the pending transaction amount on your account. The pending transaction reduces your available balance. The pending transaction is generally replaced when the final purchase amount is deducted from your account within 3 business days. If the pending amount is not matched with an actual purchase amount within 3 business days, the pending transaction will be removed from your account. Regardless of when the final transaction settles with your account, you should consider these funds spent. 1Non-Citizens Bank ATM owners may charge a fee. 2Citizens Bank Zero Liability policy covers U.S.—issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify Citizens Bank promptly of any unauthorized use. For additional information, please call 1-800-922-9999. 3Extended Warranty Protection doubles the time period of the original manufacturer's written U.S. Warranty up to one full year on warranties of three years or less. Offers you reimbursement, within the first 90 days from the purchase date, in the event of theft, damage due to fire, vandalism, accidentally discharged water, or certain weather conditions, for eligible items purchased with a covered Citizens Bank Debit Card. 4Wireless carrier fees may apply. Banking fees may apply. 5Wireless carrier, text and/or data charges may apply. Your new U.S. Bank Visa Debit Card and Personal Identification Number (PIN) will arrive separately in the mail for your security. • If you use Online Banking or Mobile Banking (including the mobile app), you can activate your debit card immediately when it arrives. Simply log in, go to Customer Service / Self Service, and find the option for debit card activation. • If you don't use Online Banking or Mobile Banking, you can activate your debit card after your PIN arrives by doing one of the following: • Make a deposit or withdrawal at any U.S. • Call us toll free at 800.236.3838. • Bring your debit card to any U.S. Bank branch, and ask a banker to activate it for you. Also, consider enrolling in once your PIN arrives. It’s free, secure, and lets you bank when and where it's convenient for you. With the U.S. Bank Visa Debit Card, you can: • Skip a trip to the ATM. By using your debit card for everyday purchases, you can save time and eliminate extra trips to the ATM. You'll also avoid paying ATM fees for out-of-network withdrawals when a U.S. Bank ATM isn’t nearby. • Track every transaction. Purchases are withdrawn directly from your checking account, and you can track transactions and balances easily Online or on your mobile phone. You can also set email and text alerts for important transactions and low balances. • Know you're protected. With your U.S. Bank Visa Debit Card, you can count on built-in fraud protection. Unlike cash, you’re protected if your card is ever lost or stolen – and with zero fraud liability, you’re not responsible for any unauthorized purchases. See the page for more reasons to use debit instead of cash or checks.
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May 2018
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