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A Citizens Bank representative will call to schedule your closing. If you plan to use your HELOC to pay off other loans or credit obligations, please be prepared to review those accounts during your call.
Once you’ve signed the closing documents, you have a window of three business days (Monday–Saturday, excluding federal holidays) — called the “Right of Rescission”— during which you may cancel the transaction for any reason. Please note that this only applies if you’re using your primary residence to secure the HELOC. If you don’t exercise this right, your HELOC account will be set up and accessible on the fourth business day, and your payoffs and funds will be disbursed.
Want access to your HELOC funds once the rescission period ends, but don’t have Online Banking? No problem. Let your representative know you need immediate funds, which will be deposited directly into your Checking or Savings account.
Once the Rescission Period ends, you can access your HELOC funds in one of the following ways:
The zip code you entered is served by Citizens One, the brand name for Citizens Bank's lending business outside of our 11?state branch footprint. Under the Citizens One brand we offer Auto Loans, Credit Cards, Mortgages, Personal Loans and Student Loans. To learn more, please visit: