Terms and Conditions

1. Acceptance of Terms

By accessing and using Citizens Bank's online banking services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Account Opening and Eligibility

2.1 Account Requirements

To open an account with Citizens Bank, you must:

• Be at least 18 years of age
• Provide valid identification documents
• Submit accurate and complete information
• Meet our Know Your Customer (KYC) requirements

2.2 Account Types

Citizens Bank offers various account types including Savings, Current, Checking, Fixed Deposit, and Online Banking accounts. Each account type has specific terms and conditions.

3. Online Banking Services

3.1 Service Availability

Online banking services are available 24/7, subject to scheduled maintenance and unforeseen technical issues.

3.2 Security Requirements

You are responsible for:

• Maintaining the confidentiality of your login credentials
• Notifying us immediately of any unauthorized access
• Using secure devices and networks for online banking
• Logging out after each session

4. Transaction Terms

4.1 Transaction Limits

Daily transaction limits apply to ensure account security. These limits may vary based on your account type and verification level.

4.2 Transaction Fees

Certain transactions may incur fees. Current fee schedules are available on our website and in-branch locations.

4.3 Transaction Reversals

Once a transaction is processed, it cannot be reversed except in cases of fraud or error, subject to our investigation and approval.

5. Privacy and Data Protection

5.1 Information Collection

We collect personal information necessary to provide banking services and comply with regulatory requirements.

5.2 Information Usage

Your information is used to:

• Process transactions and maintain your account
• Comply with legal and regulatory requirements
• Improve our services and customer experience
• Communicate important account information

5.3 Information Security

We employ industry-standard security measures to protect your personal and financial information.

6. Account Closure

6.1 Voluntary Closure

You may close your account at any time by contacting our customer service or visiting a branch.

6.2 Involuntary Closure

Citizens Bank reserves the right to close accounts that violate these terms or engage in suspicious activities.

7. Liability and Disputes

7.1 Customer Liability

You are responsible for all transactions made using your account credentials, unless you report unauthorized activity promptly.

7.2 Bank Liability

Citizens Bank is not liable for losses resulting from unauthorized access if you fail to maintain security measures.

7.3 Dispute Resolution

Disputes should be reported immediately. We aim to resolve all issues within 30 business days.

8. Amendments to Terms

Citizens Bank reserves the right to modify these terms and conditions at any time. Changes will be communicated through our website and account notifications.

9. Governing Law

These terms and conditions are governed by the laws of the jurisdiction where Citizens Bank operates. Any disputes will be resolved in the appropriate courts.

10. Contact Information

For questions about these terms and conditions, please contact:

• Customer Service: support@citizensbank.com
• Phone: Available in-branch locations
• Address: Citizens Bank Headquarters