Use of this site signifies your agreement to the Terms and Conditions of Use.
The following Terms and Conditions of Use are applicable to these sites only and do not pertain to any other sites affiliated with the bank. PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THESE SITES. By using these sites, you signify your assent to these terms of use. If you do not agree to these terms of use, please do not use these sites. We reserve the right, at our discretion, to change, modify, add, or remove portions of these terms at any time. Please check these terms periodically for changes. Your continued use of these sites following the posting of changes to these terms (including the Privacy Policy) will mean you accept those changes.

accessCARD Command™
Use of the Business Access Online and accessCARD Command sites signify your agreement to the Terms and Conditions of Use.

Capitalized terms used herein shall have the meanings set forth below:
ALERT means a text message sent by Citizens Financial Group via SMS or email to a Mobile Device.
CSP means the Cellular Service Provider(s) that Citizens has contracted with to transmit Alerts to Mobile Banking Users or the Cellular Service Provider Customer has contracted with to receive cellular service or other wireless service that includes SMS capabilities for a Mobile Device which will receive Alerts.
MOBILE DEVICE means mobile telephones, laptop computers, desktop PCs, pocket PCs, personal digital assistants and any other electronic media and / or equipment that is capable of being used to receive Alerts.
SMS means a short message service / text which is a service offered by CSPs that allows the transmission of short text messages over the CSPs network to SMS enabled devices including but not limited to Mobile Devices.

Upon clicking the ACCEPT button on the Business Access Online site or by use of the Service, you are providing your express consent permitting Citizens Financial Group to contact you through text messages (1) with Services requested by you, and (2) for fraud detection and prevention, collection, servicing, other purposes on your Mobile Device that may or may not be requested by you.

The number and frequency of accessCARD Command alerts you receive are based on the type of transactions you make using your card and the controls you have selected for your account. Some transactions attempted on your account may be blocked based upon the controls you set. You may change these controls at any time. To avoid service interruptions, you agree to notify Citizens One Card Services if there is a change in your phone number, or mobile device loss or theft.

Our customer service staff can help you with any questions you may have or with setting controls if you are unable to do this on your own. You can obtain help at any time by texting HELP to 38565. If you are a Citizens Bank customer, you may obtain help by calling 1-888-798-4600. If you are a Charter One customer, you may obtain help by calling 1-877-368-4444. Also, you may obtain help by sending an email to BusinessCreditCard@cfgcustomers.com. You may opt out of receiving accessCARD Command alerts at any time by texting STOP to 38565. Please note message and data rates may apply.

Some Cellular Servicer Provides (“CSPs”) offer the capability of storing Alerts during periods when a Mobile Device is turned off or otherwise incapable of receiving Short Message Service (“SMS service”) and delivering such stored messages when the Mobile Device is turned back on or otherwise regains the ability to receive SMS service. The duration of this storage period may vary from CSP to CSP and some CSPs may not offer this capability as part of their SMS service at all. Customer and each Mobile Banking User should refer to their CSP carrier agreement for details on the SMS storage capabilities of their SMS service and Citizens Financial Group is not responsible for any Alerts that are not delivered as a result of a CSP failing to store an Alert.

Cellular and other wireless transmission services and networks are inherently insecure as well as subject to interruptions, weak or dropped signals and other failures that Citizens Financial Group has no control over. In addition to taking no responsibility or liability for any such suspensions and terminations caused by the actions or inactions of a CSP or by any third party or occurrence outside of its control, Citizens Financial Group also reserves the right, in its sole discretion, to change or discontinue the Mobile Banking Service any time, without further notice to the Customer as well as suspend or terminate Mobile Banking Services in the following situations:
(a) If no formal arrangement exists pursuant to which a CSP has agreed to transmit Alerts generated by Citizens Financial Group to their service subscribers or a termination of any such existing arrangement.
(b) Submission by Customer or a Mobile Banking User of invalid data, Account closure, insufficient funds within any Accounts for charges, breakdown, maintenance, modification, expansion and/or enhancement work caused or initiated by telecommunications companies generally in relation to their network or by any CSP in respect of their transmission of Alerts.

If we suspect abusive or fraudulent activity, its Citizens Financial Group’s right to restrict or interrupt service to your mobile device, without notice to you. If there is a fraud investigation, you agree to cooperate with Citizens Financial Group.

Citizens Financial Group shall not be responsible for any failure or delays in the transmission of Alerts and/ or the transmission of incomplete or inaccurate messages, where the failure or delay or incompleteness is due to a breakdown or failure of transmission or communication facilities, inherent technological deficiencies, network traffic congestion, or any extraneous factors or causes beyond Citizens Financial Group's reasonable control. Citizens Financial Group will not be responsible for any loss or damage caused to Customer’s data, software, computer, telecommunications equipment or other equipment caused by Customer’s use of Mobile Banking Services unless such loss or damage is directly and solely caused by the Bank’s negligence or deliberate fault.
Citizens Financial Group will not be held liable for any damages due taken on information delivered in alerts (Delayed info, inaccurate etc).

Citizens Financial Group will not charge a fee for the service; however, we reserve the right to change those fees in the future. We also reserve the right to terminate the Alert Service without prior notice to you. Customer shall also be liable to its CSP for payment of such airtime, messaging or other charges which may be levied by the CSP in connection with receipt of Alerts. Citizens Financial Group has no knowledge of those charges and will not be liable for any such charges.

accessCARD Command alerts are currently supported by the following mobile carriers: AT&T, CBW, nTelos, US Cellular Sprint, Nextel, Boost, Virgin Mobile, Verizon Wireless, T Mobile and Alltel.

The above terms and policies are subject to change; the result of any change will be reflected on these pages.

Any communication or material you transmit to us via the Business Access Online or accessCARD Command sites or Internet electronic mail is on a non-confidential basis and may be used by the bank for any purpose within the limits of our Privacy Policy statement including reproduction, publication broadcast and posting. We will use our best efforts to include accurate and up to date information on these sites, but we make no warranties or representations as to the accuracy of the information. You agree that all access and use of these sites and their contents is at your own risk. By using these sites, you acknowledge that we specifically disclaim any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with your access to or use of these sites, (even if we have been advised of the possibility of such damages) including liability associated with any viruses which may infect a user's computer equipment.


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