Citizens Bank headquarters is at One Citizens Plaza, Providence, Rhode Island 02903 — a 13-story granite tower where the Woonasquatucket and Moshassuck rivers meet downtown. That is the address on every SEC filing by parent company Citizens Financial Group, Inc., and it has not changed in decades, although a large share of the bank’s Rhode Island staff actually works at a newer corporate campus in nearby Johnston. Below you will find the current corporate office address, the official customer service numbers for each product, the mailing addresses the bank publishes for payments and disputes, and the escalation path that works when a complaint stalls.
| Headquarters | One Citizens Plaza, Providence, RI 02903, United States |
| Corporate office | Citizens Financial Group, Inc., One Citizens Plaza, Providence, RI 02903 (no payments or deposits processed here) |
| Corporate campus | One Citizens Bank Way, Johnston, RI 02919 (operations and call center; not a customer-service walk-in location) |
| Customer service phone number | 1-800-922-9999 (Mon–Fri 7 AM–10 PM ET, Sat–Sun 9 AM–6 PM ET) |
| Credit cards | 1-800-684-2222 (Summit Reserve cardholders: 1-866-455-9444) |
| Fraud Customer Service Center | 1-800-974-2260 |
Citizens Bank Headquarters Location and Contact Information
Citizens Financial Group, Inc. lists One Citizens Plaza, Providence, RI 02903 as its principal executive office on its most recent quarterly report to the SEC (the 10-Q for the quarter ended June 30, 2026), and the same address appears in the footer of the bank’s own website as “Citizens corporate headquarters.” The building sits at the north end of downtown Providence between the State House and the Providence Place mall, and the bank has been headquartered there since the tower was completed in 1991 — the first new high-rise in the city in over a decade at the time. If you are searching for “1 Citizens Plaza” or “One Citizens Plaza, Providence” on a map, it is the curved red-granite tower beside Waterplace Park.
There is a second address you will run into: One Citizens Bank Way, Johnston, RI 02919. That is the corporate campus the bank opened in August 2018 on 123 acres off Interstate 295, where more than 3,000 colleagues work in about 424,000 square feet of offices, meeting space, and a customer contact center. Citizens confirmed at the time that the headquarters would remain in Providence, and it still does. Neither location is a bank branch: you cannot make a deposit or a payment at the corporate office, and there is no walk-in customer service desk. For everyday banking, use the branch and ATM locator.
Phone Contacts
Citizens runs a separate line for almost every product, and picking the right one avoids a transfer. All of the numbers below are published on the bank’s official contact page; hours are Eastern time and most lines follow the same schedule of Monday to Friday 7 AM–10 PM and Saturday and Sunday 9 AM–6 PM unless noted:
- General customer service: 1-800-922-9999
- Checking, savings, money market and CD accounts: 1-888-500-1478 (to open a new account: 1-866-524-7253)
- Debit card issues: 1-888-861-5700
- Fraud Customer Service Center: 1-800-974-2260
- Online banking: 1-800-656-6561 — mobile banking: 1-877-353-9274
- Credit cards (Amp, Spring and Summit): 1-800-684-2222 — Summit Reserve: 1-866-455-9444 — new card applications: 1-888-333-5145
- Existing mortgage accounts: 1-800-234-6002 — new mortgage or refinance: 1-888-333-1148
- Home equity servicing: 1-866-999-0216 — new home equity applications: 1-800-340-5626
- Auto loan servicing: 1-800-708-6680 — title changes: 1-866-999-0116
- Student loans: 1-888-411-0266 — student banking: 1-800-600-0008
- Business banking: 1-888-307-4568 (Mon–Fri 7 AM–10 PM, Sat 9 AM–6 PM, closed Sunday)
- Investments and retirement (Citizens Securities): 1-866-919-4520 — IRAs: 1-800-948-7200
- Support en español: 1-888-398-7900
Customer Service and Support Channels
Phone is not the only way in, and for some tasks it is no longer the fastest. The Citizens mobile app now lets you file a debit card fraud claim directly from the transaction list, add further transactions to the same claim, and check the status of any debit or ATM card dispute under “Dispute Status” — even if you originally opened the dispute by phone. The app also handles mobile check deposit, loan payments, and wire transfers up to your account limit. If you would rather sit down with someone, the bank’s “Citizens Checkup” lets you schedule an appointment with a banker at a branch, and the site lists Spanish-fluent branches in seven states.
On social media, Citizens runs verified accounts under the @CitizensBank handle on X, Facebook, Instagram, LinkedIn and YouTube. The support team will answer general questions publicly but will always move you to a secure channel before discussing anything account-specific — never post an account number, and be wary of look-alike accounts that reply first. One practical tip: the main customer service line opens at 7 AM Eastern on weekdays, and calls placed in that first hour typically face the shortest queues. Lunchtime and the hour after 5 PM are the busiest.
Mailing Addresses for Payments and Correspondence
Mailing a payment to the corporate headquarters is the surest way to have it lost or delayed — One Citizens Plaza does not process payments. Citizens publishes department-specific addresses across its product pages; the ones below come from the bank’s official mortgage payment page, its business credit card contact page, its student loan FAQ, and its forms page. For personal credit card and auto loan payments, the bank directs customers to the address printed on the billing statement or to Pay My Loan in online banking.
| Mortgage payments | Citizens Bank, P.O. Box 2800, Glen Allen, VA 23058-2800 (write your loan number on the check) |
| Mortgage errors, disputes and complaints | Citizens, Attn: Customer Service, P.O. Box 6260, Glen Allen, VA 23058-6260 |
| Business credit card payments | P.O. Box 9665, Providence, RI 02940-9665 (overnight: 1 Citizens Drive, Remittance Department RTL 300, Riverside, RI 02915) |
| Business credit card correspondence | Commercial Card, P.O. Box 18290, Bridgeport, CT 06601-8290 |
| Student loan documents | Education Finance, P.O. Box 42124, Mailstop RTL295, Providence, RI 02940 (overnight: Education Finance, One Citizens Bank Way, Mailstop JCA295, Johnston, RI 02919) |
| IRS forms (W-8 / W-9) only | Citizens, ROP230, One Citizens Drive, Riverside, RI 02915-9916 |
| Corporate office (no payments) | Citizens Financial Group, Inc., One Citizens Plaza, Providence, RI 02903 |
One Citizens Plaza, One Citizens Drive, or One Citizens Bank Way?
Three similar-sounding addresses cause endless confusion. One Citizens Plaza in Providence is the executive headquarters. One Citizens Drive in Riverside (a section of East Providence) is the bank’s long-standing operations center, which is why it shows up on remittance and forms instructions. One Citizens Bank Way in Johnston is the 2018 corporate campus. If a form asks for the bank’s address and you have no statement to hand, use the one the specific department publishes — and if you need to confirm the legal entity behind any of them, the bank subsidiary is Citizens Bank, N.A., while the parent Citizens Financial Group, Inc. is a Delaware corporation registered to do business in Rhode Island; our Rhode Island business search guide explains how to look it up.
Company Background
Citizens traces its roots to 1828, when the High Street Bank opened in Providence. In 1871 that bank set up a savings arm, Citizens Savings Bank, which grew into Citizens Trust Company and, over the following century, into the largest bank in Rhode Island. The modern company was shaped by two decades under foreign ownership: the Royal Bank of Scotland bought Citizens in 1988 and used it as the platform for an aggressive New England and Mid-Atlantic expansion, capped by the $10.5 billion purchase of Cleveland-based Charter One Financial in 2004, which brought the bank into Ohio, Michigan, and upstate New York.
After the financial crisis, RBS was forced to sell. Citizens Financial Group went public on the New York Stock Exchange in September 2014 under the ticker CFG in a $3 billion offering, and RBS sold its last shares in October 2015. Since then the bank has grown through acquisitions, most notably Investors Bancorp of New Jersey and 80 East Coast branches from HSBC, both completed in 2022. Today Citizens Financial Group is one of the country’s largest regional banks, reporting $233.8 billion in total assets as of June 30, 2026, roughly 1,000 branches and 3,000 ATMs across 14 states and the District of Columbia, and 17,398 full-time-equivalent employees at the end of 2025, according to its annual report.
Leadership
Bruce Van Saun has been Chairman and Chief Executive Officer since he joined from RBS in October 2013, making him one of the longest-serving CEOs of a major U.S. bank. He led the 2014 IPO and the separation from RBS, and has said publicly that President Brendan Coughlin is the obvious internal successor whenever he steps down. The holding company, Citizens Financial Group, Inc., is incorporated in Delaware like most large U.S. corporations — our Delaware business search guide covers how to look up corporate registrations there.
Key Office Locations
Providence is the official home, but Rhode Island as a whole is the bank’s operational heart: Citizens owns its two principal operations centers in Johnston (the 2018 campus) and East Providence (the Riverside site at One Citizens Drive). According to its 2025 annual report, the bank also leases five operations centers in Boston, Medford, and Westwood, Massachusetts; Pittsburgh, Pennsylvania; and Glen Allen, Virginia — which is why so many mortgage payment and dispute addresses point to Glen Allen. The New York and New Jersey metro area became a major market after the Investors Bancorp and HSBC deals, and the bank runs dedicated Banking & Wealth Centers in Chestnut Hill and Boston, Massachusetts; Monroeville and St. Clair, Pennsylvania; and West Palm Beach and Naples, Florida. At the end of 2025 the company’s subsidiaries owned 59 facilities and leased another 1,032.
Dealing with Customer Complaints
Start with the standard channels: call 1-800-922-9999 (or the product line above), or file the dispute in the mobile app if it concerns a debit card transaction, and keep a record of the date, the representative’s name, and any claim number. Mortgage customers have a formal route the bank is legally required to honor: a written notice of error or request for information sent to Citizens, Attn: Customer Service, P.O. Box 6260, Glen Allen, VA 23058-6260. If the front line cannot resolve the issue, put the complaint in writing to the corporate office at One Citizens Plaza, Providence, RI 02903 — letters addressed to the executive office are logged and routed to an escalation team, and a concise, dated letter with copies of your evidence gets far better results than a phone rant.
Because Citizens Bank, N.A. is a national bank, you also have a step most companies’ customers do not. Its primary regulator is the Office of the Comptroller of the Currency, which takes complaints through HelpWithMyBank.gov, and you can file in parallel with the Consumer Financial Protection Bureau, which forwards the complaint to the bank and requires a response, typically within 15 days. Both routes have a strong track record of unsticking stalled disputes, because a regulator-tracked complaint lands with a dedicated team rather than the general queue. For unresolved money disputes, small-claims court in your state remains an option of last resort — check your account agreement first for any arbitration terms that apply.
Summary
Citizens Bank’s headquarters is One Citizens Plaza, Providence, RI 02903, with a major corporate campus at One Citizens Bank Way in Johnston and an operations center at One Citizens Drive in Riverside. Almost everything a customer needs, though, happens elsewhere: 1-800-922-9999 for customer service seven days a week, the product lines and mailing addresses above for payments and disputes, and the OCC or CFPB when escalation is needed. Looking for another company’s corporate contacts? Browse our other headquarters guides.
Frequently Asked Questions
Where is Citizens Bank’s headquarters located?
Citizens Financial Group, Inc. and Citizens Bank, N.A. are headquartered at One Citizens Plaza, Providence, RI 02903, United States. The bank also operates a large corporate campus at One Citizens Bank Way, Johnston, RI 02919.
What is the Citizens Bank customer service phone number?
Call 1-800-922-9999, Monday to Friday 7 AM–10 PM ET and Saturday and Sunday 9 AM–6 PM ET. Credit card holders can call 1-800-684-2222, and suspected fraud goes to 1-800-974-2260.
Who is the CEO of Citizens Bank?
Bruce Van Saun is Chairman and Chief Executive Officer of Citizens Financial Group. He has led the company since October 2013 and took it public in 2014.
Who owns Citizens Bank?
Citizens Bank is owned by Citizens Financial Group, Inc., a publicly traded company listed on the New York Stock Exchange under the ticker CFG. It was owned by the Royal Bank of Scotland from 1988 until RBS sold its final stake in 2015.
How do I file a complaint against Citizens Bank?
Start with customer service at 1-800-922-9999, then write to the corporate office at One Citizens Plaza, Providence, RI 02903. If that fails, file with the OCC at HelpWithMyBank.gov or the CFPB at consumerfinance.gov/complaint; the bank must respond to regulator complaints.
Where do I mail a Citizens Bank mortgage payment?
Mail mortgage payments to Citizens Bank, P.O. Box 2800, Glen Allen, VA 23058-2800, with your loan number on the check. For other loans and credit cards, use the address printed on your billing statement.