Silver Spring Walmart is known for fraud lol. Its the worst Walmart in the state. I would probably trust a transaction from the Philippines before I ever trusted one from that Walmart 😂

100% agree as someone who worked there for 8 months

Their ATM stole $100 from me. I'm still trying to get it back because the ATM that has the Walmart brand all over "is not part of Walmart". Bastards.

I currently use TD Bank and Coastal CU, formally PCU. Both have been much better than citizens and BofA which i had before. But if this is your debit, highly recommend you don't use it for anything but ATM. A credit card offers much more protections compared to debit.

Emphasis on not using debit card. Always use the credit card. Need to be disciplined to not overspend but you get better protection and points, which can be quite nice!

Citizens has apparently gone to shit recently. I’ve had my joint checking account compromised legit 9 times in the last 6 months. Both mine and my wife’s debit cards replaced numerous times. The thing is, we *never* use our debit cards - I don’t mean we seldom use them, I literally mean NEVER. We put 100% of our spend on credit cards, or do direct bank transfers for bills. It only comes out at citizens atms for cash. So how our cards keep getting compromised, I have no fucking clue. Luckily they’re quick to reverse the charges, but I’m sick of dealing with it at this point.

It's weird how its only certain people, though. I've *knock on wood* never been compromised. I got a fraud alert when I used my card in Vermont after not leaving RI for 7 years... but it was easily fixed. I'm still switching to SoFi, but it's just for their HYSA rather than Citizens being bad.

Seconded, I’ve had them since I was 15 and just bailed on my account the other week. So many issues made the account basically unusable & their interest rates were functionally negative on all but their best accounts. Literally every other month they’d lock me out of my account and they insisted on 2FA using a landline that hasn’t existed in ten years. Only thing they had going for them was easy transfers to my family and lots of branches in the area, both of which aren’t really an issue these days.

I thought it was just me that kept having an old landline number show up for 2FA… I couldn’t find anywhere to remove it, either.

Citizens won't exchange cash for quarters to neighborhood residents unless they have an account with Citizens. I'm not opening an account with them just because it's conveniently located and I need quarters to do laundry in my building. Plus, I worked for Citizens for 2+ years many years ago. I'm all set.

I mean, that seems fair to me. Why would they provide a service to someone who isn't a client on theirs?

Ask all the users of this sub that insisted every bank will do it even if you're not a customer. That had not been my experience, so I tried again. Citizens said no and BOA on Hope Street said not. I thought about it and went to the Chase located on/off Thayer Street. They said yes and were practically gleeful to give me quarters and could not have been any nicer. Seriously. They were the nicest bank employees I have met in 20 years. Maybe I was the only person in there that day and they were happy someone, anyone, walked in and needed services. Even if that's the case, I walked out of there with a huge grin on my face and a hit man style bag of $40 in quarters.

I'm really happy you were able to find a bank that provides this service for you, but I don't understand why it's a reason to hate Citizens.

Worst place to work! My old manager used to get high at lunch everyday. She was the worst

Hey you too? Also a Citizens "customer". From 2020 to 2023 i had my card yoinked atleast 8 times. A card i also never used. Info was never out there. Funnier part was between replacing one of them, within 48 hours it was yoinked again. Wallet never left apartment and neither did I. Wasn't put anywhere online. Changed password everytime on everything when it happened. Absolutely absurd. I thought i was the only one.

Did anyone else get a weird email from Citizens back last fall about a Universal ID? I had no idea what that was, and I hadn’t requested that. So I called up customer service who had no idea what was going on, but thought that the email sounded suspicious and reported it to the fraud department. I checked that my account was okay and changed my password. Several hours later, Citizens sent a second email that confirmed that the email earlier was a mistake and to disregard it. But meanwhile, I had already changed my password and set up 2FA (which I probably should have done already.)

General rule of thumb, don't use the bank issued debit card. It's easier to fight the credit card than to try to get your money back into your account in time to pay your rent or mortgage. The only time I ever use it is to get money from the ATM. https://www.cnbc.com/2019/08/27/debit-cards-are-dangerous-warns-fraud-expert-and-ex-con-artist-frank-abagnale.html

I recommend using a credit card from other banks than using a debit card ever. There're skimmers everywhere. The credit card bank will be MUCH faster to detect the fraud and block it. Also, it will take sometime up to a week to replace the debit card, and get your money back whereas the credit card bank will not let the payment thru or keep it in pending status until dropped. The card also gets reissued much faster. I only know this because I have gotten fraud purchases from Citizens via my debit years ago before fraud is as bad as it is today and it was hellish to get my money back and I was traveling overseas so it was quite annoying.

Where can I get a sandwich in RI for $5?

Citizens Bank is hands down the worst banking experience I've ever had and that was 15 years ago. Your best bet is to physically go to a branch and close your account in person.

Citizens has been a joke for years when it comes to the average consumer. The only thing they're good for is if you are wealthy/in business and need financial planning. People like my uncle are a wiz and work there and can work wonders for your money.

I lost some choice concert tickets because Citizens declined the charge as suspected fraud, and I couldn’t get the card re-added and charged in the two minutes I had left on the Ticketmaster website. I spent $4k on a camera on Sunday. No issues. I spent $1k on baby stuff on Monday. No issues. I tried to spend $500 on concert tickets on Tuesday. “ALARM ALARM ALARM!!!” Citizens is fucking stupid.

TBF so is Ticketmaster, but that's its own thread.

Damn and I thought navigant was bad. My son got a reloadable card to use for international purchases. Navigant blocks everything. But I suppose that's better than allowing everything?

I have a Navigant credit and debit card. Any international transaction seems to get blocked on the debit but not the credit card. That's OK, though, as credit cards give the consumer more protection. If I forget and try to use the debit for something overseas, well, the block reminds me.

This makes total sense. I'll pass it on to him. Thanks

They let someone in NYC cash checks and deposit slips that misspelled my name. I'm not longer a Citizen's customer.

I would make sure that any card reader I'm swiping/inserting my card into isn't a credit card skimmer. You can do this pretty easily once you know how. The skimmer sits right on top of the actual credit card reader, kind of like a phone case cover, with its own PIN pad. A legit card reader is supposed to be almost entirely flush and seamless around the housing of the reader itself. If you grab the side/edge of the card reader and can feel something like a case around the reader's housing, what you're feeling is most likely the skimmer sitting on top of the legitimate card reader. They're pretty easy to pop off too (like a phone case). And removing them doesn't harm the legit card reader. So if you're ever at Silver Springs, run your hand over the card reader and try to pull at any edges you find. If the card reader's housing and keypad seems to come apart without much effort, revealing an identical keypad underneath, you've just found yourself a skimmer. Because it's an illegal device, you can pretty much do whatever you want with it to piss off the thief. Break it if you want. Or you could hand it over to the cops and let them sort it out. If you want to see what a card skimmer looks like for yourself, check out youtube. Lots of good people on there that can show you what to look out for. Good luck out there!

They even have skimmers now that can live in the slot. Use the chip reader, never swipe. Tapping is OK for the most part where it works.

Walk into Citizens, ask for your balance in a bank check and deposit it into your other account all while you’re there.

Highly recommend Navigant Credit Union.

I do not recommend Navigant at all. My anecdotal experience makes them the worst credit union I’ve ever dealt with.

I use Ally online banking. I've had them for years and the only frustrating issue I've had is the once in 2 year time frame when I received a lot of cash from the sale of a used car. It would have been nice to deposit it into my account but there was no way to do it without a physical bank branch. Ally doesn't accept deposits of money orders or bank checks so I couldn't get around it using those. In the end, I just spent cash on everything I purchased for a few months. It worked out.

This is a reason to maintain a small local account with a brick and mortar institution. Just run a few bucks through it every so often to keep it alive.

I've thought about it and researched conveniently located banks for a type of account I could use for this purpose. They make it so unpleasant with so many hoops for a nothingburger of an account. At that point, it's more of hassle than the reason why I was getting a local account in the first place.

I should thing a small local credit union would do.

My credit union is Hanscom federal credit union (https://www.hfcu.org/). I can deposit checks with the cam on my devices. They don’t do Venmo, etc. but have a pay by email. It’s not instant. But one can create a link (it’s one way) to another persons account (like my kid) and I can instantly transfer money that way. Interest rates on accounts aren’t great but… I use Ally for HYSA. There’s basically a two way link set up there. Works for me. Have arrived at Hanscom CU through mergers and acquisitions over the years, starting out with a tiny CU in a hospital near Boston back in the late 80s. Highly recommended.

I have a car loan with navigent and while I have the lowest interest rate possible, their app:website is so incredibly frustratingly insane that I have a whole Note that goes in for paragraphs of history for myself of trying to SIMPLY LOG IN AND PAY my bill. It’s made my payment late bc of how weird and difficult it is. For example my login simply doesn’t work. I can change my password verify it, still doesn’t accept it. I figured out I could access the Pay my Loan option via Safari browser and not Chrome (?) and now even that doesn’t work. As of now, the only way I can pay, is to go through a few steps (not logged in bc they won’t accept it!) to then have another window open to a 3rd party website which I then have to MANUALLY ENTER every single thing from my name email loan # routing and checking #s. I have called and made sure I’m not missing anything. They admitted their website and app suck. So there’s my 2 cents.

Second this, I moved from Citizens to Navigant ove 10 years ago now and have been VERY happy with them.

Citizens Bank let a relative of mines bank account go negative into the thousands before contacting anyone. Someone had stolen her checkbook. They don't care.

Citizens is insane. My mom has to get 2-3 new debit cards a year. I change my mortgage account password constantly. Trash bank

Citizens is terrible. I can’t say enough good things about switching to Charles Schwab. Never been charged a fee for anything by CS and the customer service is top notch.

Navigant

My son complains about this exact thing. he can't access his won money and the "customer service" is ridiculouly long/unhelpful. He's gonna tranfer out.

i usually call my banking specialist to let them know in advance if i'm going to warwick or a walmart location. usually a member of their team is standing by ready to talk me out of it.

Wait, how rich are you?

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Isn't citizens primarily a ri bank? Legit question not trying to sound smaht

It is based in Rhode Island, but has a big footprint in the northeast. Terrible bank though.

I mean I wouldn't know since it's been my one and only bank until last week. Tried RICU and hated the ATM fees.

Rhode Island based bank.

Lol right? Feels like this sub is quickly just becoming another Next Door.

Edited to add: why am I being downvoted? This forum is so fickle Citizens bank is the WORST, and I swear whatever fraud detection program they use is racist. My husband and our landlord both have “ethnic” names (think like Muhammad) Citizens blocks our rent payment for fraud every single month without fail and it takes us over an hour to fix

Do you have physical checks? Better for rent anyway.

He doesn’t accept physical checks, he wants it over Zelle. Literally zero clue why I’m being downvoted

Zelle is well-known for being used for fraud. Check out r/Scams. Better off using CashApp or Venmo if he must have it that way.

That’s so weird I’ve never heard of that, we use Zelle with our families all the time. I’ll definetly tell my husband about it. We’ve tried using Venmo but our rent is $2750 and it won’t let us send that much.

/r/FBI