The Nov. 9th, 2008 Philadelphia Inquirer has an ad from Citizens Bank with a high rate CD account and money market account.  The CD account is for a 6 month term with an interest rate of 3.90%.  The minimum balance for this bank account is $1,000.00 but requires the opening of a Citizens Gold checking account and savings.  The minimum balance in the checking account is $100.00.  The second offer on the ad is for a 3.25% interest rate money market account.  The minimum balance to obtain that rate is $50,000.00.  The ad states that the offer is good in the Philadelphia and New Jersey markets only.  Citizens Bank’s website is www.citizensbank.com and the phone number is 888-861-1500. Citizens Bank is a subsidiary of Citizens Financial Group.  Citizens Financial Group also owns the subsidiary of RBS Citizens, N.A.  They operate a 13-state branch network under the Citizens Bank brand in Connecticut, Delaware, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island and Vermont, and the Charter One brand in Illinois, Indiana, Michigan and Ohio.  Citizens Financial Group is headquartered in Providence, R.I., and, through its subsidiaries, has more than 1,600 branches, more than 3,500 ATMs.  Citizens Financial Group is owned by RBS (The Royal Bank of Scotland Group plc).

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