Customer service is pathetic. My home loan was purchased by Citizens several years ago from another bank. I do auto withdrawal and have for the past 10 years. This month they screwed it up. I think it is the second time in the 10 years, not bad. But, try to talk to someone to get it fixed? Forget it. When I finally spoke to someone, albeit in a foreign country, the connection was so bad they were almost impossible to understand... and then incompetent, and needed to transfer me to another location where the wait time was "more than 30 minutes", wow. Choose a different bank.