Case Study: Citizens Access achieves a billion-dollar launch in eight months with FIS

Direct Banking Powerhouse Goes Live in Eight Months

Citizens Access, the direct‑bank arm launched by Citizens Bank in July 2018, needed to build a modern, easy‑to‑use digital bank quickly with a seamless account opening and servicing experience. Citizens worked with FIS, leveraging a dozen integrated FIS solutions — including FIS Profile Core, Call Center Management, Anti‑Money Laundering, Fraud Protection and Online Banking — to create a cloud‑hosted “bank in a box” and go live in eight months.

FIS implemented the hosted solution along with extensive usability testing and a streamlined online account opening process that can be completed in under five minutes, plus innovative features like automatic CD laddering. As a result, Citizens Access launched on time, drew $1 billion in new deposits in the first three months, averaged more than $70,000 per new account, and continues to expand its capabilities in partnership with FIS.

Citizens Access

John Rosenfeld

President