Citizens Bank, Citizens Bank of Tennessee, Apple Pay, Google Pay, Digital Wallet, Citizens Bank online and mobile banking,

Personal Loans & Credit Cards

Fund your next adventure or cover unplanned expenses with a credit card or personal loan from Citizens Bank.

Whether you’re looking to make a major purchase, build credit, consolidate high-interest debt or something else, Citizens Bank offers a range of borrowing options with competitive rates and great rewards. Whatever your particular needs and goals are, you can count on our friendly local experts to help you explore all your options and make the process easy.

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Personal Loans

With a personal loan from Citizens Bank, you can put your dreams into action. We offer both secured and unsecured loans to meet a variety of budgets and objectives. Plus, with a Ready Reserve Line of Credit on your Everyday Checking, Wow Rate E-Checking, or Reward Interest Checking Account, you can avoid overdraft fees and boost your credit score.

We offer loans for:

New and used cars
Boats and RVs
Vacations
Home improvement projects
Medical expenses
Debt consolidation
And much more!

How to get started:

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Visa Credit Cards

We’ve got a card with your name on it.

Whether you’re looking for traditional benefits or premium perks, we can help you find the best credit card for you. All our cards are accepted at millions of stores, restaurants, and services around the globe and come with the latest purchase security features. It’s also easy to load your Citizens Bank Credit Card into Apple Pay^® or the free Digital Wallet of your choice.

Visa Platinum Credit Cards feature ScoreCard^® points:

Earn 1 bonus point for every $1 you spend*
View rewards and check point balance online
ScoreCard^® points accumulate overtime and can be redeemed for vacations, cruises, air travel, sporting goods, electronics, housewares, and more!
Build points faster by combining points from other Citizens Bank Platinum Credit Cards or Citizens Bank Debit Mastercard^®

How to get started:

No bonus points earned for PIN, ATM, or cash advance transactions.
Businesses not eligible.
See ScoreCard^® Program rules for more information about your points.

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Click Here to Apply Online

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Lock iconLogin

Digital Banking

ScoreCard Rewards

Credit Card Online Access

New Digital Banking First
Time Login Instructions.

1. On the login page, select "Forgot Password."

2. Review the disclosure, check "I agree", and click continue.

3. Enter your existing Bank-By-Net username. Verify your identity by following the prompts. When asked for an account number, use any complete Citizens Bank account number. If you don't have or can't remember your account number, call us at the number below and we can help.

4. Choose your preferred method to receive a temporary passcode and click continue.

5. Enter the one-time passcode you received and select verify.

6. Create a new password that meets security requirements. From here, you will complete your login process and view your accounts.