Understanding Citizens Bank Hours to Better Manage Your Finances

As a bank customer, being aware of your bank’s hours of operation is crucial for conducting your financial transactions efficiently This is especially true for large regional banks like Citizens Bank that has over 1000 locations across the Northeast, Mid-Atlantic and Midwest regions of the United States Knowing Citizens Bank hours for branches, online services, call centers and mobile apps ensures you can complete your banking on time.

In this comprehensive guide, we will breakdown Citizens Bank hours for all services and provide tips to avoid running into closed doors or missing cut-off times. Whether you need to deposit checks, apply for a loan, manage accounts or reach customer service, this guide has all the hours information you need to bank smart.

Overview of Citizens Bank

Citizens Bank is the 13th largest retail bank in the United States with over $185 billion in assets They provide a full range of banking services including checking & savings accounts, credit cards, home & auto loans, investment products and more

Citizens Bank operates branches across 12 states and the District of Columbia. However, they have the largest presence in New England, Mid-Atlantic and Midwest states like Rhode Island, Massachusetts, New York, New Jersey, Pennsylvania and Ohio.

In addition to traditional brick-and-mortar branches, Citizens Bank offers online, mobile and phone banking. This gives customers the flexibility to bank anytime, anywhere. However, operating hours still apply for certain services like wire transfers, loan applications and customer service.

Citizens Bank Hours for Branches

Knowing your branch hours is critical for in-person banking and visits. Below are the standard hours for Citizens Bank branches:

• Weekdays: Most branches are open 8:30 AM to 5:00 PM local time on weekdays. Some locations may have extended hours like 8:00 AM – 6:00 PM.

• Saturdays: Branches are typically closed on Saturdays.

• Sundays: All locations are closed on Sundays.

• Holidays: Branches are closed for all major federal holidays. This includes New Year’s Day, MLK Day, President’s Day, Memorial Day, July 4th, Labor Day, Columbus Day, Veterans Day, Thanksgiving and Christmas Day. Some locations may close early on Christmas Eve and New Year’s Eve.

Keep in mind hours can vary by location. Your best bet is to check your local branch hours on the Citizens Bank website or call ahead before visiting. This avoids any unnecessary trips to a closed branch.

Citizens Bank Hours for Online & Mobile Banking

With online and mobile banking, you have 24/7 account access. However, cut-off times for certain transactions still apply:

• Account Transfers: The cut-off time for transfers between Citizens Bank accounts is 11:30 PM ET. Any transfer after this time will be processed the next business day.

• External Transfers: The deadline for transfers to external accounts at other banks is 3:00 PM ET.

• Loan Payments: To be credited the same day, loan payments via mobile or online banking must be submitted by 10:00 PM ET.

• Check Deposits: Check deposits made via mobile banking have a daily limit of $10,000. Amounts over this will be declined or held longer for review.

Knowing these deadlines helps ensure your payments and transfers process on time.

Citizens Bank Hours for Phone Banking

Citizens Bank has dedicated customer service and automated phone banking lines. Below are the key operating hours:

• Customer Service: Available from 8:00 AM to 10:00 PM ET on weekdays, 8:00 AM to 7:00 PM ET on Saturdays and 10:00 AM to 7:00 PM ET on Sundays.

• Mortgage Customer Service: Available 8:00 AM to 9:00 PM ET on weekdays and Saturdays. Closed Sundays.

• Automated Banking: Citizens Bank’s interactive voice response (IVR) system is available 24 hours a day, 7 days a week for self-service options like balance checks.

Calling during operating hours ensures you can speak to a live agent for detailed questions and services.

Citizens Bank Hours for Wires & Large Transfers

When you need to send domestic or international wire transfers or process large account transfers, cut-off times apply:

• Outgoing Domestic Wires: Must be submitted by 3:00 PM ET on business days to send out the same day.

• Outgoing International Wires: To be sent same day, instructions must be received by 12:00 PM ET.

• Incoming Wires: Domestic and international wires received by Citizens Bank before 7:00 PM ET will be credited to accounts the same business day.

• High Value Transfers: To be processed same day, transfers over $10,000 must be initiated before 3:00 PM ET on business days.

factoring in these deadlines prevents payment delays.

Tips for Banking During Citizens Bank Hours

Here are some quick tips to improve your overall banking experience:

• Check online or call your local branch to verify hours before visiting. This prevents unnecessary trips.

• Enroll in online banking to access accounts anytime and set up alerts for balance thresholds and payment due dates.

• Use mobile check deposit to conveniently deposit checks remotely.

• Schedule recurring payments and transfers so they process automatically each month.

• Sign-up for account alerts via text or email to stay updated on balances, transactions and other account activity

• When calling customer service, opt to receive a call back to avoid long holds. Or chat with an agent using online banking.

Key Takeaways on Citizens Bank Hours

Being aware of Citizens Bank’s hours for all services – branches, digital banking, call centers and more – ensures you can bank seamlessly and avoid missed cut-offs. Check hours ahead of visits, transfers and loan applications. Enroll in online banking and alerts for added convenience. Follow these tips to bank efficiently even when lobbies are closed.