Citizens logo

Citizens in Long Island City, NY

4.0/5
Google rating from 42 reviews

Citizens is a retail bank offering checking, savings, home loans, student loans, and credit cards through physical branch locations including this Long Island City, NY branch.

Data compiled from public sources · Google rating shown when a stored review count is available

Citizens Review

Citizens is a traditional retail bank operating physical branch locations across the New York area, including their Long Island City branch at 24-15 Queens Plaza North. The company positions itself as a consumer banking provider focused on helping customers "bank better" with personalized financial guidance. They offer a comprehensive suite of banking products including checking and savings accounts, home borrowing solutions, student loans, and credit cards.

The Long Island City branch operates Monday-Friday from 9:00 AM to 5:00 PM, with weekend closures, and provides in-person banking services supported by a mobile app for remote account management. Citizens emphasizes low minimum balances for checking accounts, flexible savings options ranging from basic savings to money market accounts and CDs, and competitive home borrowing terms that address down payments and closing costs. Their approach focuses on accessibility through multiple channels—physical branches, online banking, and mobile applications—while offering personalized banker consultations for complex financial decisions like home purchases, college planning, and retirement savings.

The branch network includes nearby locations in Woodside and Brooklyn, suggesting regional expansion within Queens and the greater New York metropolitan area. Citizens positions itself as a relationship-driven bank rather than a fintech challenger, relying on traditional branch infrastructure and in-person customer service as core differentiators.

Services & Features

ATM and banking center locator services
Bill payment services
Certificates of Deposit (CDs)
Checking accounts with low minimum balances
Credit cards with rewards and low APR options
Home borrowing and mortgage services
In-person financial consultations
Mobile banking app for account management
Money transfers
Online banking with secure login
Savings accounts and money market accounts
Student loans and college savings products

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Extended weekday hours (9 AM-5 PM Monday-Friday) accommodating working professionals
  • Multiple nearby branch locations within 1.62 miles for customer convenience
  • Comprehensive product offering including checking, savings, home loans, student loans, and credit cards in one institution
  • Free mobile banking app with balance checks, bill pay, money transfers, and ATM locator
  • Low minimum balance requirements highlighted as a key checking account feature
  • In-person banker consultations available for complex financial planning and home buying
  • Flexible savings products including basic savings, money markets, and CDs

Cons

  • Limited weekend access with Saturday-Sunday closure and Saturday lobby hours restricted to 9 AM-1 PM
  • No drive-up service mentioned at this location, requiring in-person visits for certain transactions
  • No information provided about specific APRs, deposit insurance limits, or account fee structures
  • Physical branch dependency may be inconvenient for customers preferring fully digital banking
  • Limited transparency on this webpage regarding credit card rewards, loan terms, or rate claims to verify

State Consumer Finance Context

This is state-level context for Banks consumers in Long Island City, NY. It does not confirm that Citizens or this specific location is licensed.

State regulator

New York Department of Financial Services

Key state rules to check

  • Payday lending is banned; civil usury cap of 16% and criminal usury cap of 25% make it illegal.
  • The Department of Financial Services actively enforces against online payday lenders targeting NY residents.
  • Licensed lenders under the Banking Law may charge rates agreed upon for certain loan types.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does Citizens offer?

Citizens offers 12 services including Checking accounts with low minimum balances, Savings accounts and money market accounts, Certificates of Deposit (CDs), Home borrowing and mortgage services, Student loans and college savings products, and 7 more.

What profile signals are listed for Citizens?

Citizens has profile signals associated with Customers seeking traditional full-service banking with in-person support for major financial decisions, Long Island City and Queens residents within proximity to their branch network, Customers planning home purchases or college financing who value personalized banker consultation, Individuals preferring a single financial institution for multiple banking products.

What are the strengths and weaknesses of Citizens?

Key strengths: Extended weekday hours (9 AM-5 PM Monday-Friday) accommodating working professionals; Multiple nearby branch locations within 1.62 miles for customer convenience; Comprehensive product offering including checking, savings, home loans, student loans, and credit cards in one institution. Areas to consider: Limited weekend access with Saturday-Sunday closure and Saturday lobby hours restricted to 9 AM-1 PM; No drive-up service mentioned at this location, requiring in-person visits for certain transactions.

How does Citizens compare to similar companies?

In the Banks category, comparable providers include Debtstoppers: Bankruptcy Law Firm - Dallas, TX, Dime Community Bank, Leinart Bankruptcy Law Firm - Dallas. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Headquarters
Long Island City, NY
BBB Accredited
No
Visit Citizens

CreditDoc Profile Note

Research Note on Citizens

Citizens is best suited for consumers in the Long Island City and Queens area seeking full-service retail banking with the ability to meet bankers in person for complex financial decisions like home purchases or student loan planning. The main caveat is that their digital-only alternatives are limited; this branch operates only during weekday business hours with no drive-up service, making it less convenient for customers requiring 24/7 access or those in other geographic markets.

Profile Signals

  • Customers seeking traditional full-service banking with in-person support for major financial decisions
  • Long Island City and Queens residents within proximity to their branch network
  • Customers planning home purchases or college financing who value personalized banker consultation
  • Individuals preferring a single financial institution for multiple banking products
Updated 2026-04-29

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Quick Summary

  • Citizens is listed as a Banks provider in Long Island City, NY on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

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