Privacy Notice
Rev 01/21
FACTS What does Citizens Access do with your personal information?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security Number and income
  • Account Transactions and account balances
  • Credit Scores and checking account information
How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Citizens Financial Group, Inc., ("Citizens") choose to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Citizens share? Can you limit this sharing?
For our everyday business purposes –
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes No
For our marketing purposes –
to offer our products and services to you
Yes No
For joint marketing with other financial companies
Yes No
For our affiliates’ everyday business purposes –
information about your transactions and experiences
Yes No
For our affiliates’ everyday business purposes –
information about your credit-worthiness
Yes Yes
For our affiliates to market to you
Yes Yes
For nonaffiliates to market to you
No We don't share
To limit our sharing Call toll-free 888-201-6505
Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
For California Residents Only:  For information on how to exercise your privacy rights under the California Consumer Privacy Act (“CCPA”), please see the “Other Important Information” section on page 2.
Question? Call toll-free 888-201-6505
Who we are
Who is providing this notice? Citizens Access is a division of Citizens Bank, N.A., which is a subsidiary of Citizens Financial Group, Inc.
What we do
How does Citizens protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that are designed to comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Citizens collect my personal information? We collect your personal information, for example, when you
  • Open an account or deposit money
  • Apply for a loan or provide account information
  • Enter into an investment advisory contract
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing? Federal law gives you the right to limit only
  • Sharing for affiliates’ everyday business purposes – information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
• Our affiliates include those companies that control, are controlled by or are under common control with Citizens, such as other banks and mortgage companies.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
• Citizens does not share with nonaffiliates so they can market to you.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
• Our joint marketing partners include insurance companies and financial product or service companies.
Other important information
For Vermont and California Residents Only: The information practices we have described above comply with federal law. Vermont and California laws place additional limits on sharing information about their residents. If you are a Vermont or California resident, we will automatically limit the disclosure of your information within and outside our family of companies as permitted or required by applicable law or regulation.
For Nevada Residents Only: We are providing you this notice pursuant to state law. You may request to be placed on our internal Do Not Call list by calling, 888-201-6505. For more information on this Nevada law contact Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 East Washington Avenue, Suite 3900, Las Vegas, NV 89101; telephone number: 702-486-3132; email:; Citizens Bank, P.O. Box 42020, Providence, RI 02940-2020.
For California Residents Only: To exercise your privacy rights under CCPA, please review our online privacy policy at or call us at 888-999-1927.
Companies to which this notice applies
This notice applies to Citizens Financial Group, Inc., which does business through its brands and divisions, including: Citizens, Citizens Bank, Citizens Access, Clarfeld Citizens Private Wealth, Citizens One Home Loans, Citizens One Personal Loans, Citizens One Auto Finance, Citizens One Student Loans and Citizens One Card Services. This notice also applies to the following companies within the Citizens Financial Group, Inc. family of companies: Citizens Securities, Inc., Clarfeld Financial Advisors, LLC, Estate Preservation Services, LLC, and other banks or companies that we may acquire or establish from time to time. Citizens, Citizens Bank, Citizens One, Citizens Access, Franklin American Mortgage Company and Clarfeld Citizens Private Wealth are brand names/divisions of Citizens Bank, N.A.