Tools & Education
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Is there a fee to transfer funds online?
No. There is no charge to transfer funds to and from your accounts within Online Banking with Bill Pay. General account fees still apply for stop payments or overdrafts exceeding the number of transfers allowed by a particular account, etc. See the terms and conditions for Online Banking with Bill Pay or for your individual accounts for more information.
What type of accounts can I transfer money between using Online Banking?
Transfers can be made to and from checking accounts, savings accounts and money market accounts.  Visit your local branch office or contact Online Banking Client Support at 1-888-493-5142.
How do I transfer funds between my Citizens Bank accounts?

You can set up a one-time transfer or repeat transfers with your online banking account.

To make a one-time transfer: Log into your online banking account and click on the “Transfer Funds” tab at the top of the screen. Next, choose the "Make a transfer" link on the left side of the screen. Follow the prompts to set up the transfer. After you click the Submit button, you will receive a confirmation number.

To make a repeat transfer: Log into your online banking account and click on the “Transfer Funds” tab at the top of the screen. Next, choose the "Make a recurring transfer" link on the left side of the screen. Follow the prompts to set up the recurring transfers. After you click the Submit button, you will receive a confirmation number.
Are there any transfer cut-off times I need to be aware of?

The cut-off time for same day transfers is 10 PM (EST) on a regular business day (regular business days are Monday - Friday excluding holidays). Transfers made after 10 PM (EST) will be available the following business day.
When will the transferred funds be available?
Transferred funds are available immediately when made before the cut-off time of 10 PM (EST) on a regular business day (regular business days are Monday - Friday excluding holidays). If the transfer is made after the cutoff time, the funds will be available on the following business day.
What are the differences between Online Transfers and Online Bill Payments?
Online Transfers are used to move money between your accounts. The Online Bill Payment feature is used to make payments to businesses or private parties outside of the bank.
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