Citizens One is the National Lending Division for Citizens Bank, N.A., a bank with a nearly 200-year history of serving customers and communities. At Citizens One, our team of experts is committed to helping our customers get the loan solution that’s right for them. We always strive to be clear and upfront about our policies, as well as the terms and conditions associated with our products. Being clear and personal—that’s how we help you bank better. Citizens One, Citizens One Auto Finance, Citizens One Student Loans, Citizens One Card Services, Citizens One Personal Loans and Citizens One Home Loans are brand names of Citizens Bank, N.A. (NMLS ID# 433960). Member FDIC. Equal Housing Lender.