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API Journal Authors: Ed Featherston, Flint Brenton, John Basso, David Dodd, Jason Bloomberg

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Citizens Financial Group Introduces New Mobile Check Deposit and Balance-Viewing Features for Mobile Banking as Part of Ongoing Bank Better Initiative

Citizens Financial Group, Inc. today announced two new Bank Better™ enhancements that expand mobile banking functionality for Citizens Bank and Charter One customers – mobile check deposits and fast account balances. Both enhancements use industry-leading technology designed to deliver increased customer convenience.

CFG’s mobile check deposits capture check images using a mobile device’s video camera. Because there is no need to tap a button – which can cause blurry or incomplete images and frustrating retakes – depositing checks is quick and simple. The bank’s new Fast Balance™ feature makes it simple and easy for on-the-go customers to view account balances without needing to log into their mobile banking app for iPhone and Android. CFG is one of the first banks to offer customers this convenient solution.

“Our customers have told us that they want to be able to bank when, where and how they want, and these mobile banking enhancements are a direct result of our commitment to invest in the services that customers tell us will help them to bank better,” said Brad Conner, Vice Chairman of Consumer Banking. “Whether a customer is using one of our branches, state-of-the-art ATMs, Online and Mobile Banking or 24/7 Customer Contact Center, we are committed to putting customers in control and delivering a great customer experience.”

Details of the new mobile banking features include:

Mobile check deposits

  • The check image is captured using the mobile device’s video camera and leverages built-in components to provide real-time feedback to the customer. The Citizens Bank and Charter One Mobile Banking App proactively instructs the customer to make needed corrections like holding the device steady, turning on the flash or getting closer to or pulling back from the check. Once all conditions are met, the video camera automatically takes the picture.
  • Between May 31 and August 1, the bank’s Double Your Deposit in a Snap! Sweepstakes will award the mobile deposit – up to $500 – each week for five customers, for a total of 45 winners over nine weeks. Winners will be announced on the bank’s Facebook pages. Must be 18+. No purchase or deposit necessary. For official rules, visit or
  • The new mobile deposit for business feature rounds out CFG’s suite of convenient products for businesses interested in depositing checks remotely. For customers with higher check and dollar volumes, the bank offers E-Z Deposit® and accessMOBILE®.

Fast Balance

  • With just a tap and hold gesture on the Mobile Banking app home screen, a customer can quickly view account balances for personal checking, savings and money market accounts using their iPhone or Android. Detailed account information is not displayed. The tap and hold gesture allows customers to view balances within the application without changing the main screen of the app, something that no other competitor to date has offered.

These new features join recent Bank Better enhancements, including:

  • One Deposit Checking, where just one deposit each statement period – of any amount – waives the monthly maintenance fee.
  • Protecting customers from overdraft fees for transactions of $5 or less, with the bank’s signature innovation, $5 Overdraft Pass™.
  • State-of-the-art ATMs so customers can make ATM deposits as late as 10 p.m. local time on a business day and still have the deposits count as “today.”

Money Magazine recently selected Citizens Bank and Charter One as one of nation’s best banks in its 2013 list of "The Best Banks in America," recognizing the company for its level of customer convenience.

To learn more about Citizens Bank, customers can call the 24/7 customer contact center at 1-800-922-9999, Like the bank on Facebook, follow the bank on Twitter or visit the Citizens Bank website. To learn more about Charter One, customers can call the 24/7 customer contact center at 1-877-242-7837, Like the bank on Facebook, follow the bank on Twitter or visit the Charter One website.

Citizens Bank and Charter One customers interested in its Mobile Banking app for iPhone and iPad can find it in the App StoreSM. Customers interested in the Mobile Banking App for Android can find it in Google PlayTM.

About Citizens Financial Group, Inc.

Citizens Financial Group is the 13th largest retail bank holding company in the United States according to SNL Financial with $122.2 billion of total assets as of December 31, 2013. Headquartered in Providence, Rhode Island, and with approximately 18,600 employees, CFG delivers a broad range of retail and commercial banking products and services through approximately 1,370 branches and more than 3,500 ATMs operated in a 12-state footprint across the New England, Mid-Atlantic and Midwest regions; and through online, telephone and mobile banking platforms. CFG has over 80 retail and commercial non-branch offices located both in its geographic footprint and in five states and the District of Columbia outside its branch footprint. Its two bank subsidiaries are Citizens Bank, N.A., and Citizens Bank of Pennsylvania. They operate a branch network under the Citizens Bank brand in Connecticut, Delaware, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island and Vermont; and the Charter One brand in Illinois, Michigan and Ohio.

Apple, the Apple logo, iPad and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple, Inc. Android and Google Play are trademarks of Google Inc.

Mobile Deposit is available to bank customers of at least 30 days. Account eligibility requirements, deposit limits and other restrictions may apply. Please refer to the Mobile Deposit Service Agreement for more information. Wireless carrier, text and/or data charges may apply.

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