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• Education Refi: Are there any application fees?
  Goodness, no – our goal is to save you money, remember? There are no application, origination, pre-payment or disbursement fees associated with a Citizens Education Refinance Loan™.
• Mortgages: Do I need perfect credit?
  Nope! A high credit score can unlock better rates and more offers, but a few past issues won't necessarily disqualify you from getting a mortgage. However, your credit history must show both a willingness and ability to repay on time.
• Savings: I’m a surviving beneficiary. What should I do?

  If you were named as a beneficiary on a Citizens Access account, it means the account owner chose you to receive a share of their account balance upon their death. And if you’re here, then we’re very sorry for your loss. We know you’re handling a lot right now, so we made requesting your beneficiary disbursement as easy as possible.

  Just download and complete the Beneficiary Disbursement Request (BDR) form (you’ll need some common info and documents, like a certified copy of the death certificate and the address where we should send your funds). Then get it notarized and send everything back to us.

  For more info, download our BDR help sheet.

Have more questions? Get more answers in our full FAQs section.