AVOID THIS BANK AT ALL COSTS. I was transferred to Citizens from HSBC. They are horrible!! They issued me 2 Mastercard credit cards, one at 26 percent interest and the other at 18 percent, and now they won't let me combine the balances onto the lower interest card because of some "introductory period" BS--when it was their own error that they issued 2 cards in the first place. Their website is atrocious. They try to gouge you with fees and high interest. When you call you get people whose accents are so strong you can't understand what they say and the hold time is endless Stay away!!!