Terms of Use

Citizens Bank Website Terms of Use

(Effective January, 2017) 

Please review this document carefully before accessing or using this Site.

Citizens Bank (herein referred to as “”we”, “us” and/or “our”) has provided this Internet website (“Site”) as a convenience to customers and visitors (collectively “you” or “your”) under the express terms and conditions (herein referred to as “agreement”) set forth below.  By visiting or using this Site, you agree to be bound by this agreement as well as any rules, regulations, terms and conditions that pertain to products and services (collectively the “products”) you may receive. 

“Products” include financial and business services offered by us and by any third party that may be accessed through this Site.  You agree that your use of this Site and any related service is solely at our discretion and that we reserve the right to deny, block or restrict your access and/or use, and further understand that we may do so at any time without prior notice or liability to you or any third party. If you do not wish to agree to the terms and conditions of this agreement, discontinue using and accessing this Site immediately. 


We may, without prior notice, modify this agreement at any time and such shall immediately become effective upon posting to the Site.  Continued access or use of the Site shall ratify your acceptance of the modified agreement.  After your initial acceptance, you shall be responsible for periodically reviewing this agreement for such modifications. 


We may also discontinue the operation, maintenance or provision of this Site, any pages thereof, and/or any related content, features, products, or the terms thereof, at any time without notice or liability to you or any third party.

Products advertised and/or offered through this Site will only be available where allowed by law and may be subject to other eligibility standards or requirements.  Citizens Bank reserves the right to determine your eligibility.


Third party links established on this Site are provided as a matter of convenience. If you chose to utilize such links, you will leave our Site and access an external site owned, operated, controlled and/or maintained by a third party that is not affiliated with us and is solely responsible for its own contractual obligations and financial conditions.  We do not control and will not be held liable for the validity, legality, copyright compliance or decency of any content displayed and/or contained in these sites.  This will include, but not be limited to content that may be unlawful, harassing, libelous, abusive, threatening, harmful, vulgar, obscene or otherwise objectionable. 

You should also be advised that the privacy and information sharing policies and procedures of third party sites as well as their security practices are separate from ours and may not be as secure as ours.

In the event a third party site is co-branded with us, we shall not be considered an agent of such or have direct or indirect responsibility or liability to any party for actions, omissions or warranties of any kind concerning products or services offered or received by you through their site.   If you choose to use or purchase any products or services available through a linked site, you agree that your participation will be based on the terms and conditions applicable to that site as well as any agreements between you and the third party.  We do not endorse any opinions, advice or recommendations provided by any third party linked to this Site, and shall have no liability for the delivery, non-delivery, accuracy, timeliness or completeness of such third party products or services.  Access to and use of any third party site linked to this Site is completely and solely at your own risk. 


You acknowledge and agree that we, our licensors, and/or our service providers own all rights to this Site and the content and works of authorship displayed, including, without limitation, text, software, photos, images, sound recordings and graphics (collectively the “Site Property”). You are only authorized to access, view and use the Site Property for your own informational, noncommercial purposes, or as otherwise expressly permitted pursuant to the terms of this Agreement or pursuant to the express terms of use regarding any specific product or service available through the Site. Unless otherwise expressly authorized, you may not copy, reproduce, retransmit, disseminate, display, publish, sell, broadcast, circulate, distribute, commercially exploit, or create derivative works from any Site Property in any form. You further agree not to reverse engineer or reverse compile any of our technology, including but not limited to, any Java applets associated with the Site Property. You further acknowledge and agree that the Citizens Bank names and logos and all related product and service names, design marks and slogans, as well as other trade and service marks appearing on the Site (collectively, the “Marks”), are the property of Citizens Bank, our licensors and/or our service providers. You are not authorized to use such Marks without our prior express written consent and/or the prior express written consent of the owner of the applicable Mark. You acknowledge that, except as expressly provided in this Agreement, we have granted you no license or rights whatsoever in or to any Site Property or Marks, and we and/or our licensors and service providers retain all rights therein.


You are responsible for obtaining and maintaining all telephone equipment and services, Internet connection services, computer hardware and software, and other equipment necessary for you to access and use this Site. We are not responsible or liable to you for any errors or failures resulting from defects in or malfunction of your computer or related equipment or services, nor are we responsible or liable to you for any computer virus or related problems that may be associated with the use of an online system.



You are responsible for protecting the security of any passwords you use in connection with our Site and the security and integrity of any information you download from our Site.

We advise you to exercise caution when sending us e-mail through the Internet; as such transmissions may not be secure.  For example, e-mail may be intercepted by a third party or may not be received by the designated person or department in a timely manner.  Therefore, please do not use e-mail to send us confidential or privileged information, such as account numbers or financial information, any information that may need our immediate attention, or information we have required you to send us in a signed writing or by other express means. If you chose to do so, we will not be liable to you for any losses or damages incurred as a result of any information transmitted by you in this manner or as a result of your use of e-mail for the transmission of, or our failure to respond to e-mail that includes information that we have required you submit through another express means or medium. Please be aware that when you receive a message acknowledging your e-mail has been sent, it means that your e-mail has been routed into the Internet and not that the message has been received by us.


You acknowledge and agree that you assume complete responsibility and risk for use of our Site and the Internet in general.  We provide the Site on an “as is” and “as available” basis, and we expressly disclaim all warranties of any kind, whether express or implied, including but not limited to, the implied warranties or merchantability fitness for a particular purpose, and non-infringement.

We make no representation or warranty that (I) the Site will meet your requirements, (II) the site will be uninterrupted, timely, secure, or without error, (III) the results or information that may be obtained from the use of the site will be accurate, timely, complete, adequate or reliable, (IV) the quality of any products, services, information, or other material purchase or obtained by you through the Site will meet your expectations, and/or (V) any errors in the technology will be corrected.

Any material downloaded or otherwise obtained through the use of the Site is obtained at your own discretion and risk, and we are not responsible for any damage to your computer system or loss of data that results from the download of any such material, whether due to any computer virus or otherwise.  No advice or information, whether oral or written, obtained from us or through the Site will create any warranty not expressly stated in these terms.


You agree that we will not be liable to you or any third party for any harms, injuries or claims, which lawyers and courts may refer to as direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses, even if we have been advised of the possibility of such damages and regardless of the form of action, whether in contract, warranty, tort (including, without limitation, negligence), strict liability or otherwise, resulting from (I) the use of or inability to use the Site (II) the cost of obtaining substitute goods and services resulting from any products, data, information or services purchased or obtained, or messages received, or transactions entered into through or from the Site, (III) unauthorized access to or alteration of your transmissions or data, (IV) statements or conduct of any other person using or accessing our Site, (V) any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, and/or (VI) any other matter relating to the Site or your use thereof.


You agree that your use of this Site shall be governed by all applicable Federal laws and the laws of the State of Texas. 

Read more on our accessibility statement