Citizens Bank, National Association provides banking services to individuals and businesses in the United States. Its personal banking services include checking and savings accounts, money market accounts, certificates of deposit (CDs), and IRAs; mortgages, home equity loans, and home equity lines of credit; and credit and debit cards. The companyâ€™s individual investment banking services include personalized guidance to support their financial needs of retirement planning, education planning, general investing, insurance protection, and citizens managed accounts. Its business investment banking services comprise personalized guidance to support the financial needs of insurance protection and investment management. The companyâ€™s services for small businesses include business checking and savings accounts, money markets accounts, CDs, borrowing solutions, cards and rewards, and healthcare practice banking; and online banking, merchant, cash management, and employee benefits services. It also provides commercial banking services in the areas of asset finance (leasing), business capital, capital markets, cash management, commercial real estate, global trade finance, lending, merchant services, risk management, and wealth management for business capital, commercial real estate, electronic security, franchise finance, healthcare (for-profit), healthcare (not-for-profit), non-profit, private equity banking, professional services, publishing, sponsor finance, and technology industry specializations. Citizens Bank, National Association was formerly known as RBS Citizens, National Association and changed its name to Citizens Bank, National Association effective April 16, 2014. The company is headquartered in Providence, Rhode Island with branches in Connecticut, Delaware, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, and Vermont. Citizens Bank, National Association operates as a subsidiary of Citizens Financial Group, Inc.