Skip to main content
Woman with Smartphone
Coming Together


Investors Bank will soon be Citizens! With similar shared values we look forward to continuing to serve you and your financial needs and making a difference in our local communities.

What to Expect


For now, continue banking as you normally do
Your accounts will transition to Citizens’ systems in early 2023. You’ll hear from us prior to that time to let you know what is happening.
We’ll update this page with more details as they are available – check back often!


Color Overlay

Frequently Asked Questions

The merger between Investors Bank and Citizens creates the opportunity for two banks with shared values to come together and offer Investors’ customers an expanded set of products and services, enhanced online and mobile banking capabilities, and more branch locations, along with a continued commitment to making a difference in our local communities.

Citizens Financial Group, Inc. is one of the nation’s oldest and largest financial institutions, with $188 billion in assets. Headquartered in Providence, Rhode Island, Citizens offers a broad range of banking products and services to individuals, small businesses, middle-market companies, large corporations, and institutions.

Citizens provides an integrated experience that includes mobile and online banking, a customer contact center, and the convenience of over 3,000 ATMs and 1,000 branches in the New England, mid-Atlantic and Midwest regions.

Consumer Banking products and services include a full range of banking, lending, savings, wealth management and small business offerings.

In addition, Commercial Banking offers financial products and solutions including lending and leasing, deposit and treasury management services, foreign exchange, interest rate and commodity risk management solutions, as well as loan syndication, corporate finance, mergers and acquisitions, and debt and equity capital markets capabilities.

The transaction closed on April 7, 2022. The transition of Investors’ branches and accounts to Citizens will occur in early 2023. We will continue to update you as more details become available.

For now, there is nothing you need to do. Continue banking with Investors as usual. We’ll let you know well in advance if any action is required. 

Citizens and Investors are committed to working together to make the integration as smooth as possible for everyone. For now, your accounts will remain the same, and you do not need to take any action. In the coming months you’ll receive information about the transition of your Investors Bank accounts to Citizens.

For now, there are no changes to the servicing of your loan or mortgage. The terms of your loan will not change.

At this time, we plan for all Investors Bank branches to remain open and transition to Citizens branches (in early 2023). You will continue to see the same familiar faces you’re used to banking with.

You will continue to work with your current Investors Bank Relationship Manager. We recognize how vital it is to maintain an ongoing dialogue with someone you trust.

You may begin banking at Citizens branches and at once the transition from Investors to Citizens occurs, in early 2023. You will be notified of this well in advance of the actual date.

Great news! Beginning on April 7, you will be able to use all Citizens ATMs to get cash without incurring foreign ATM transaction fees from Investors or surcharge fees from Citizens.

Your deposits at Investors Bank will continue to be insured by the FDIC up to the maximum amount allowed by law. Any deposits you held separately at Investors Bank and Citizens prior to the date of the merger will continue to be insured separately for a period of six months from the merger date. Any deposit made to an account you open on or after the date of the merger at Investors Bank is a Citizens deposit for FDIC insurance purposes. Certificates of Deposit (CDs) are insured separately for six months from the merger date or until maturity, whichever is later. In addition, if you have a CD that is renewed for the same term and amount during this six-month transition period, the CD will continue to be insured separately until the next renewal date. After the six-month transition period, your deposits at Investors Bank and Citizens will be added together for the purpose of determining the amount of your FDIC coverage. Your combined deposits that are in the same ownership rights and capacity will be insured up to $250,000.00. If you have more than $250,000.00 in total deposits at the combined banks, you may call the FDIC directly at 877-275-3342 for more information about how your funds may be insured.

Citizens and Investors Bank share very similar cultures and values. We believe that when people and communities reach their potential, we all thrive. Citizens is proud of our efforts to strengthen the communities in which we live and work.

Please visit your local Investors Bank branch. You may also call the NICE team at the Investors Bank Customer Care Center at 855.iBank4U (855-422-6548) Monday-Friday 8 am to 7 pm ET and Saturday-Sunday 8 am to 6 pm ET. We will update this webpage as new information about the merger becomes available.

Citizens Peace of Mind is a feature that comes automatically with Citizens personal checking and money market accounts. When a customer’s account is overdrawn, Citizens Peace of Mind provides additional time to add money to your account and get any overdraft fees rebated. Customers receive an alert when their account is overdrawn. Customers have until 10 pm ET the next business day to transfer or deposit eligible funds to cover their overdraft as well as any other transactions processing on their account that day. Citizens will rebate any overdraft fees if a customer brings their available balance positive. This feature will be available to Investors customers when their accounts are converted to Citizens accounts, anticipated in early 2023.

Citizens Pay partners with several national retailers to offer dedicated lines of credit. This gives you the flexibility to buy the things you need when you need them- especially when it comes to larger purchases. Our transparent monthly installments make payments simple and easy to understand. Some examples of retailers that we partner with include Microsoft, BJ’s Wholesale Club, Wayfair and more! 

Now that Investors has joined Citizens, as part of this transition, Citizens is proud to become the Presenting Partner and official bank of the New Jersey Devils and Prudential Center. Much like Investors, Citizens is committed to supporting the local communities and the teams and activities they care about. 

While you’ll begin seeing the Citizens name associated with the team, there are no changes to your account at this time. Continue banking as usual at any Investors Bank branch, online or mobile app.

Now that Investors has joined Citizens, as part of this transition, Citizens is proud to become the official bank of the New York Giants. Much like Investors, Citizens is committed to supporting local communities and the teams and activities they care about. 

This summer, fans will begin seeing the Citizens name on the Giants website, during preseason and at Giants games. 

While you’ll begin seeing the Citizens name associated with the team, there are no changes to your account at this time. Continue banking as usual at any Investors Bank branch, online or mobile app.

Yes! We’re excited that Eli Manning will continue to be an integral part of our team as a spokesperson. His personal and professional values and commitment to the community align with our shared culture and belief that when people and communities reach their potential, we all thrive.

Investment FAQs

Now that Investors Bank is part of Citizens, your investment account serviced by Cetera Investment Services, LLC (Cetera) is transferring to Citizens Securities, Inc. (CSI) on or about August 18, 2022, to the extent that you have not opted out of transferring your investment account from Cetera to CSI. On the transfer date, cash balances and security positions in your current account will be transferred to a new account carried and cleared by National Financial Services (NFS), Citizens’ clearing firm. After the transfer, NFS will send you more information about your account.

While many CSI products, services and fees are comparable to your current investment account, differences do exist.  Here is a summary of some differences.  Please refer to the correspondence mailed in June from Cetera for additional information. Also, depending on your account type, you may have received an investment advisory letter from Citizens in early August.  It is one of several communications you will receive from us as your brokerage or investment advisory accounts are transitioned to Citizens. 

  • Insured Bank Deposit Sweep Program Customers: your balance will be withdrawn, and the funds will be re-deposited into a similar insured bank deposit sweep program offered through Citizens. 
  • Money Market Sweep Customers:  your balance or shares will be transferred to a money market sweep vehicle at Citizens. 
  • Advisory Relationship Customers: your Advisory Agreement and advisory relationship with Cetera will terminate on or about August 18, 2022. Investment Advisory clients were sent a letter in early August; please refer to that letter for more detailed information.
  • IRA Customers: the company that maintains your IRA will change. Effective on or about August 18, 2022, Cetera will resign as the current Custodian and Citizens has agreed to act as successor Custodian. Your IRA will transfer automatically, and the account will retain its tax status and any beneficiary designations. 
  • Mutual Fund or Insurance/Annuity Customers: You remain the owner of record on your account and you will continue to receive statements directly from the mutual fund company or insurance/annuity company at which the account is held. 

After your account transfers, we’re pleased to let you know that your current Financial Advisor will continue to service your account as a Citizens Financial Advisor.  Your Financial Advisor will work with you to ensure your accounts best meet your needs to achieve your financial goals.  Please reach out to your Financial Advisor directly if you have any questions.

Beginning August 23, you’ll be able to access your brokerage, mutual fund, or insurance/annuity account via a combination of Citizens OnlineTM Banking and NFS’ Wealthscape Investor.  Here’s how to access your account online:

  • Enroll in Citizens Online Banking at Click the “Log In” button.  Next to “New to Online Banking?”, click “Enroll Now”. Use your Social Security Number to enroll. Please note: if you try to enroll in before August 23, you will not be able to complete the enrollment process.

  • Once enrolled, login and access your brokerage account details by clicking the Positions, Balances, Activity, or Documents links in the account line.
  • Complete a first-time Wealthscape Investor registration; follow the register link and complete the steps.

  • If you have an annuity, you will see the account in Citizens Online Banking on August 23, but there may be a delay in viewing updated balance information.     

Bank account(s) at Investors will not transfer to Citizens until early 2023.  Until that time, you will not see your bank account(s) in Citizens Online Banking.  For now, continue to access your bank account(s) through Investors Online Banking.  You’ll receive information well in advance of your bank account(s) transferring to Citizens.

If you have an existing bank account at Citizens and you are currently enrolled in Citizens Online Banking, you will not need to re-enroll.  To access your brokerage account, use your existing Citizens Online Banking credentials. Your investment balance information should automatically appear on your Account Summary screen on August 23.

Yes, if you are currently receiving statements, confirmations, tax documents or other correspondence via e-Delivery, Citizens will deliver those same documents via e-Delivery as a part of your new account servicing configuration. 

Please reach out directly to your current Financial Advisor if you have any questions.  If you don’t have your Financial Advisor’s contact information, please call Investors at 855-434-6858.

Our personalized advice and sophisticated product solutions are designed to help you achieve your financial goals. With our expertise, we can help you develop short- and long-term strategies for every stage of your financial life. To learn more, visit 

Additional Resources

Our goal

To help our customers, colleagues and communities reach their potential.

About Citizens
Citizens Branch


Strengthening and servicing communities is at the core of our credo.

Citizens in the Community
Citizens Volunteers


Citizens Financial Group and Investors Bancorp Receive Regulatory Approval for Citizens Acquisition of Investors

Citizens Branch Sign