Citizens Bank has branches and ATMs across the Northeast and Midwest, but the fastest way to find one near you is through their branch locator tool on their website or mobile app

Citizens Bank operates in 11 states: Connecticut, Delaware, Massachusetts, Michigan, Missouri, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, and Rhode Island. If you live in one of these states, you can find a physical branch or ATM within a few miles in most populated areas. If you live outside these states, Citizens Bank does not have a physical location for you to visit, though you can still bank online or by phone.

The branch locator is the most direct route. Go to citizensbank.com, look for "Locations" or "Find a Branch" in the main navigation, and enter your zip code or address. The tool will show you branches and ATMs ranked by distance, along with their hours, phone numbers, and services offered at each location. The mobile app (Citizens Bank Mobile Banking) has the same locator built in, which is useful if you are already out and need to find an ATM quickly.

Key Takeaways

  • Citizens Bank branches and ATMs are only in Connecticut, Delaware, Massachusetts, Michigan, Missouri, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, and Rhode Island.
  • The branch locator on citizensbank.com or the mobile app shows you the nearest locations, hours, and what services each branch offers.
  • ATMs in the Citizens Bank network are free for account holders; using an out-of-network ATM will typically cost you a fee.
  • If you cannot reach a branch in person, you can handle most banking tasks online, through the mobile app, or by calling customer service at the number on the back of your debit card.

What to expect when you visit a Citizens Bank branch

Most Citizens Bank branches are open Monday through Friday from 9 a.m. to 5 p.m., with reduced Saturday hours at some locations. Hours vary by branch, so check the locator before you go. You do not need an appointment for routine tasks like deposits, withdrawals, or account questions, though some branches may ask you to take a number and wait during busy times.

Bring a government-issued ID if you are opening an account, making a large cash withdrawal, or handling anything that requires verification. For routine deposits and withdrawals on an existing account, your debit card or account number is usually enough. If you are visiting to discuss a loan, mortgage, or investment product, it can help to call ahead so a specialist is available.

Using Citizens Bank ATMs outside of branch hours

Citizens Bank ATMs are available 24/7 at most branch locations and at many standalone ATM centers. These are free for Citizens Bank account holders. If you use an ATM that is not part of the Citizens Bank network, you will typically pay a fee — the amount depends on the ATM operator, but it is usually between $2 and $3 per transaction. Citizens Bank may also charge you a fee for using an out-of-network ATM, depending on your account type.

To avoid fees, use the branch locator to find a Citizens Bank ATM near your home, workplace, or regular routes. Many grocery stores, pharmacies, and convenience stores in Citizens Bank's service area have Citizens Bank ATMs or partner ATMs that do not charge Citizens Bank customers.

When you cannot visit a branch in person

If no Citizens Bank branch is near you or you cannot visit during business hours, you can handle most banking tasks online or through the mobile app. You can transfer money between accounts, pay bills, deposit checks by taking a photo, check your balance, and report a lost or stolen card all without visiting a branch.

For tasks that require a person — like explore for a loan, discussing account options, or resolving a dispute — call the customer service number on the back of your debit card or visit citizensbank.com and look for "Contact Us." Phone support is available during business hours, and some issues can be resolved through find messaging in the app.

Finding a Citizens Bank branch if you are traveling

If you are traveling within Citizens Bank's service area and need to deposit cash, withdraw money, or handle an account issue, use the branch locator and search by the city or zip code where you will be. The tool shows you branches and ATMs in that area, along with their hours. Many Citizens Bank branches are located in downtown areas, shopping centers, or near major roads, so they are usually straightforward to reach.

If you are traveling outside Citizens Bank's service area, you can still withdraw cash from any ATM, though you will pay an out-of-network fee. Using your debit card at a store to get cash back (if the store offers it) is often free and avoids the ATM fee entirely.

Frequently Asked Questions

Do I need to visit a branch to open a Citizens Bank account?

No. You can open most Citizens Bank accounts online through their website or mobile app. You will need a valid ID, Social Security number, and initial deposit amount, but you do not have to go to a branch. Some specialized accounts may require a branch visit or phone call to complete.

Can I deposit a check at a Citizens Bank ATM?

Most Citizens Bank ATMs do not accept check deposits. However, you can deposit checks through the mobile app by taking photos of the front and back of the check — this is called mobile check deposit. You can also mail a check to Citizens Bank or deposit it at a branch during business hours.

What if the nearest Citizens Bank branch is more than 30 miles away?

You can still be a Citizens Bank customer and handle nearly all your banking online or through the app. For tasks that require a person, call customer service. If you need to deposit cash regularly, look for a Citizens Bank ATM in your area, or consider whether a bank with a branch closer to you might be a better fit.

Are Citizens Bank ATMs free for non-customers?

No. Non-customers will typically pay a fee to use a Citizens Bank ATM. The fee amount varies, but Citizens Bank ATMs are primarily for Citizens Bank account holders. If you do not have a Citizens Bank account, using their ATM will cost you money.