1. Appointment Reminder
Appointment with _________________________________________________
Date ___________________________________________________________
Time __________________________________________________ a.m. / p.m.
Branch__________________________________________________________
For individuals and small business owners.
S M A R T
S A V I N G S
I N S I D E
L I M I T E D
T I M E
O F F E R S
COB1288 OC CIT
03035-CIT
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Q3091000
2. Page 1 citizensbank.com/celebratesummer • 888.411.7442 Page 2
Checking
Home Borrowing
Credit Card
Investments
Savings
Business Banking
New Products
Great rewards and smart solutions
Celebrate summer
with a FREE Fit CheckupSM
Summer is the perfect time to take advantage of helpful banking solutions
from Citizens Bank. This guide is full of great offers and valuable rewards
aimed at helping you take control of your financial situation. From savings
to borrowing, personal checking to business banking, great rewards and
more, we have a variety of solutions to fit your life.
One way to increase your financial peace of mind this summer is through our free
Fit Checkup. It’s a brief review to make sure your banking solutions are right for you.
We’ve already helped customers get on track more than 2.6 million times!
For your convenience, our full-service
in-store branches are open seven
days a week.
7Day
Banking
Call
Click
Talk to
888.411.7442
citizensbank.com/celebratesummer
A banker at any
Citizens Bank branch
3. Page 3 citizensbank.com/celebratesummer • 888.411.7442 Page 4
Get paid up to $120 with any personal
checking account when you enroll in Green$ense.
Get paid up to $120 each
year with any personal checking
account through Green$ense™
Less paper is good for the environment. More money is good for you.
With Green$ense, we’ll pay you 10 cents every time you use your debit card,
pay a bill online or have an automatic payment charged to your checking account
or debit card.
And because Green$ense is designed to help your bank account and the
environment, you will:
• Automatically be enrolled in online banking with free bill pay
• Receive paperless monthly eStatements
• Receive a Green$ense debit card made from recycled plastic
• Receive a monthly email that notifies you of your Green$ense cash earned,
environmental impact and green living tips
Visit us at: citizensbank.com/greensense
Get more value out of the things you do everyday with a rewards program that fits
your life. Citizens Bank offers two great options to choose from:
Everyday Points®
• Earn unlimited Everyday Points on all of your debit card and credit card purchases
and when you pay bills online
• Get rewarded for doing your banking with Citizens — automatically earn more
points each month when you have a checking, savings and money market account
• Combine your Everyday Points and redeem them for merchandise, gift cards,
travel, banking rewards and much more!
Green$ense™
• Get paid when you use your debit card or pay a bill online — up to $120 per year
• Enroll any Citizens Bank personal checking account
Keep reading to learn more about how to start earning
rewards today!
Reward yourself everyday
Checking
and Rewards
with programs that help you save more and earn more
Rewards!
Great
4. Checking
Page 5 citizensbank.com/celebratesummer • 888.411.7442 Page 6
Credit Card
Rewards!
Great
Earn rewards faster with our
enhanced Everyday Points® program
Get the most value from your everyday purchases and banking choices.
Our newly enhanced Everyday Points program allows you to combine your Citizens Bank
Debit Card and Citizens Bank Credit Card points in one place — making earning rewards
faster and easier than ever. Earn even more points when you have a checking, savings and
money market account with Citizens Bank.
You can earn unlimited Everyday Points — redeemable for great rewards — for the
things you do everyday, including:
• Making purchases with your Citizens Bank Debit Card — earn double points for
recurring purchases
• Making purchases with your Citizens Bank Credit Card — earn up to 3x points
when you have a checking account and a savings or money market account
• Paying bills online at citizensbank.com
• Shopping at more than 500 retailers within our Merchant Network — earn up
to 20x points!
• Doing your banking with Citizens Bank — automatically earn more points each month
when you have a checking, savings or money market account
Talk to a banker for more details or visit citizensbank.com/everydaypoints
and Rewards
Here’s an overview of how
your Everyday Points® can grow
Be sure to take advantage of these special offers:
• Get 100 points for registering at citizensbank.com/everydaypoints
• Get 500 points upon the first use of your credit card
• $25 annual fee waived with $1,500 in combined spend on your debit and credit cards
within the first 60 days of enrollment1
1
Annual fee waiver for first year of enrollment only assessed to your primary account. Applicable for new customers enrolled. Offer available until 12/31/09.
and Rewards
Earn Everyday Points with your Citizens Bank Debit Card
Purchases when you sign $1 spent = 1 point
Purchases when you use your PIN $2 spent = 1 point
Earn more Everyday Points each Month Based on Your Banking Level
Citizens Bank Accounts Green Checking® Circle Banking* Circle Gold Banking*
Checking 50 75 100
Checking and savings or
money market account
100 150 200
Checking, savings and
money market account
150 225 300
Online Bill Pay 20 points per payment
Earn Everyday Points with your Citizens Bank Credit Card
Credit Card only $1 spent = 1 point
Credit Card + enrolled checking
with debit card
$1 spent = 2 points
Credit Card + enrolled checking with debit
card + savings or money market account
$1 spent = 3 points
* A Circle (Gold) Banking relationship is a Circle (Gold) Checking and Circle (Gold) Savings account.
Points will be awarded for both accounts.
5. Page 7 citizensbank.com/celebratesummer • 888.411.7442 Page 8
Get the rewards you really want
When you’re ready to redeem your Everyday Points®, choose from hundreds
of rewarding possibilities — including merchandise, gift cards, travel, banking
rewards and much more! Redeem for great rewards with as few as 4,000 points.
Visit us online at citizensbank.com/everydaypoints to track and redeem
your points. Here’s a small sample of the rewards you can choose from.
See how fast your
Everyday Points® can add up
Use the table below to see how many points you might earn in a typical year.
Refer to the chart on page 6 for point-earning details — or talk to a banker to see how easy
and fast earning Everyday Points can be.
Everyday Points Earnings Points per Year
Relationship Type (Green, Circle, Circle Gold)
How many products do you have with us?
Do you have a savings and money market account?
Spend per month with debit card
Spend per month with credit card
Online Bill Payments per month
$
$
Total Points Earned Per Year:
Merchandise Rewards
Hundreds of brand name items
across a variety of categories
Travel Rewards
Great experiences and
fantastic discounts
Gift Cards
A wide variety of denominations
from the brands you want
Banking Rewards
Choose a reward that fits your life
· $25 Deposit into any
Savings Account
· $50 Deposit into any
Money Market Account
· $100 Deposit into an IRA
· .25% Discount on
Home Equity Loan or Line
6. Page 9 citizensbank.com/celebratesummer • 888.411.7442 Page 10
Earn competitive rates on any new
Premier Savings or Money Market Account!
Enjoy security and easy access
with a Premier Savings
or Money Market Account
Money Market and Savings Accounts can help you build your savings with
competitive interest rates. Even better, we offer a variety of options that
suit your needs. See page 5 to find out how you can earn more Everyday Points®
when you have a savings and money market account. Talk to a banker or see our
website for current rates and account options.
As always, you can rest assured knowing your deposits are insured by
the Federal Deposit Insurance Corporation — which means that you can
save with confidence.
Earn competitive rates on CDs!
Savings! Savings!
Smart Smart
Let your savings grow with confidence
CDs are good investments for both short and long-term goals. Our CDs are available
in a variety of terms that range from 3-60 months, all with competitive yields.
Talk to a banker or see our website for the terms that are right for you.
As always, you can rest assured knowing your deposits are insured by the
Federal Deposit Insurance Corporation — which means that you can save
with confidence.
SavingsSavings
7. Page 11 citizensbank.com/celebratesummer • 888.411.7442 Page 12
Get 1/8% off our already low mortgage
rates with Circle Gold Banking.
Discounted rates for a limited time
on a new home equity loan or line
Home equity loans and lines of credit can help you with a variety of borrowing
needs. Whether you’re consolidating debt, planning a remodeling project or
funding a college education, we have a solution that fits your life. Talk to a
banker to find the home borrowing solution that’s right for you.
Get 1/8% off and great benefits
with Circle Gold Mortgage AdvantageTM
Now you can get 1/8% off your mortgage when you have Circle Gold Banking and
your monthly mortgage payments automatically deducted from your checking account.
The Circle Gold Mortgage Advantage™ also includes other great benefits like:
• Monthly maintenance fees waived on Circle Gold Banking — a $20 per month savings!
• Our highest packaged rates on checking balances, CDs and Circle Gold
Money Market® Accounts
• Reduced rates on home equity lines and loans, plus no annual fee on home equity
lines for the first year; 50% discounted fee thereafter
• Additional checking, savings and money market accounts for no additional fee
• Plus, much more
Saving for a new home? See page 13 to learn more about HomeBuyer SavingsSM
and how you can earn $1,000 toward a new home.
Home BorrowingHome Borrowing
Savings!
Smart
Get up to 1/4% off a new
Home Equity Loan or Line of Credit.
Talk to a banker to learn how
you can take advantage of this offer!
Savings!
Smart
8. Page 13 citizensbank.com/celebratesummer • 888.411.7442 Page 14
Save at least $100 a month and earn $1,000 when
you finance your new home with Citizens Bank!
Save at least $25 a month and earn a
$1,000 bonus toward your child’s future!
Make your new home a reality with
Citizens Bank HomeBuyer SavingsSM
At Citizens Bank, we want to give you a jump start on saving for the important things in
life, like buying a home. That’s why we’ve introduced Citizens Bank HomeBuyer SavingsSM
.
The HomeBuyer SavingsSM
account is a manageable and rewarding savings plan that will
help you achieve your goal of home ownership. The plan has three easy steps:
1. Save a minimum of $100 a month for 36 months (one skipped deposit allowed per year)
2. Receive $1,000 toward closing costs on your Citizens Bank mortgage
3. Get help from Citizens Bank to find the right mortgage and on ways to check your
credit while you save
There’s no limit to how much you can save. And handy calculators and tools are available
to help you make sure you save enough and stay on track.
A new home is one of the biggest purchases you’ll ever make. Get off to a great start
with HomeBuyer SavingsSM
.
A rewarding way to save today for
tomorrow: Citizens Bank CollegeSaverSM
At Citizens Bank, we want to help you save for your child’s future — and give you one less
thing to worry about. That’s why we’ve introduced Citizens Bank CollegeSaverSM
.
CollegeSaverSM
is an easy, manageable savings plan that will help you meet your college
savings needs. The plan has three easy steps:
1. Open a CollegeSaverSM
account before your child’s 6th birthday
2. Save a minimum of just $25 a month every year (one skipped deposit allowed per year)
3. Receive a $1,000 bonus plus interest when your child turns 18
There’s no limit to how much you can save. CollegeSaverSM
pays you higher rates
as your balance grows.
With CollegeSaverSM
, you’ll receive reminders so you won’t miss a payment and
can easily stay on track.
Give your child a head start. Start saving today with Citizens Bank CollegeSaverSM
.
New ProductsNew Products
Savings! Savings!
Smart Smart
9. Page 15 citizensbank.com/celebratesummer • 888.411.7442 Page 16
Business Banking
Put our expert business bankers
to work for you
With industry expertise and knowledge that you can count on, our Business Banking
team can provide easy, convenient banking solutions tailored for your business.
Plus, as a Business Banking customer, you qualify for a personal checking account
with no monthly maintenance fees.
Ask the dedicated Business Banker in your branch for a free Business Needs Assessment.
And choose from great services that meet your business needs:
• Business Savings Account
• Remote Deposit Capture Service
• Merchant Services
• Payroll Services
• Business Credit Card
• Professionals First for physicians, accountants and attorneys
Savings!
Smart
• Open a new Business Green Checking® Account with
no monthly maintenance fee for up to 200 transactions
per month, free online banking and bill pay, and
unlimited electronic transactions
• Sign up for E-Z Deposit® remote deposit capture service
and we’ll waive the monthly maintenance fee for the
first six months
• Receive up to $300 off the purchase of a new
Hypercom 4220 terminal for new Merchant
Services customers
• Talk to a banker about our Business Premier
Savings Account
10. Page 17 citizensbank.com/celebratesummer • 888.411.7442 Page 18
Citizens Investment Services
Plan for tomorrow with a
complimentary financial review
Whether your priorities include providing for your child’s education, saving for a
comfortable retirement or preserving your current wealth, a Citizens Investment
Services Financial Consultant can help you develop an investment strategy that’s
right for you. We offer a wide variety of investment products and services to help
you achieve your short-term and long-term goals.
Securities, Insurance and Investment Advisory Services offered through CCO Investment Services Corp. Member FINRA, SIPC.
53 State Street, MBS770, Boston, MA 02109. (800) 942-8300. CCO Investment Services Corp. is an affiliate of RBS Citizens, N.A.
and Citizens Bank of Pennsylvania. 001-051509Mktg-CIS
Securities and Insurance Products are:
NOT FDIC INSURED • NOT BANK GUARANTEED • MAY LOSE VALUE
NOT A DEPOSIT • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Rewards!
Great
Discover the rewards of
great business banking
As a Business Banking customer, you can earn Everyday Points® for the things you do
every day. When you are ready to redeem your Everyday Points, choose from hundreds
of rewarding possibilities — including great gift cards, merchandise and travel rewards.
Talk to a banker for more details or visit citizensbank.com/everydaypoints
Business Banking
Earn Everyday Points for Business
Debit card purchases when you sign $1 spent = 1 point
Debit card purchases when you use your PIN $2 spent = 1 point
Credit card purchases $1 spent = 2 points
Online Bill Pay 20 points per payment
• Earn points on all your Business Debit Card, Business Credit Card
and online bill payments
• Get 100 points for registering your profile at
citizensbank.com/everydaypoints
Get a complimentary financial review to help
ensure that your retirement plan is on track and to
see if a 401(k) rollover is the right fit for you.
One should consider the potential costs and fees associated with rolling over a 401(k) to Citizens Investment Services,
in addition to any features or benefits one may lose as a result of this action.
11. Page 19 citizensbank.com/celebratesummer • 888.411.7442 Page 20
Smart Savings Tips Smart Savings Tips
Share your
savings ideas!
Provide your children with a small allowance at an early age and encourage them to
save. Have them set an achievable goal and start saving. Consider opening a savings
account just for this purpose. It’s a great way to encourage financial responsibility.
When aunts, uncles or grandparents ask for holiday or birthday gift suggestions,
ask them to make a contribution to your child’s education savings. My mother
always gives books as gifts. Last year, she started a new tradition: tucking a small
check “for college” into each one.
Make sure you check out your car before going on a driving vacation. Tuning your
engine and keeping your tires properly inflated can save gas — and can help head off
a potential breakdown while on the road.
Do you have a favorite savings tip that you’d like to share? We’re looking for tips
from our customers to include in upcoming guides like this one. To submit your
savings tip, simply send us an email at:
savingstips@cfgcustomers.com
Tips should be relatively short (preferably under 100 words). Please include
your name, address, telephone and email address. If selected, your tip will be
published with your first name and last initial, along with your hometown.
If your teens can’t find summer jobs, encourage them to think like an
entrepreneur. My 16-year old daughter is always on the computer and she loves
online shopping. So she started a business helping people sell items on eBay.
If you’re planning a home improvement, don’t be afraid to negotiate with the
contractor. We recently installed new floors in our home and were able to save
$1,000 off of the quoted price by removing the existing floors ourselves.
If your mobile phone is turning into your primary phone, see if you can live
without your landline. My wife and I realized we were spending about $50 a
month on a number that we rarely used.
If you have various accounts at multiple banks, see if you can benefit by
consolidating them. My husband had an old savings account at another bank.
We switched it to Circle Savings® and now we qualify for bonus points through
the Everyday Points® program.
Check your credit score for errors. When I went to buy a car, I couldn’t qualify for
a low interest rate because my credit score was lower than expected. Turns out
someone else with the same name had made some late payments. Now I check
my score once a year.
See if your health insurance company offers a discount if you work out on a
regular basis. My provider deducts $20 from my bill if I go to the gym eight
times a month.