The chance to make a difference. Citizens Bank is built on the premise that all companies have a responsibility to use their resources to make a positive difference in the world around them. Formed in 1997, Citizens Bank was one of the country's first online banks. In 2008, we further differentiated ourselves by becoming the first North American-based bank to be carbon neutral. This means the CO2 emissions we create are now equal to the emissions we have reduced or offset elsewhere. We achieved this goal through a rigorous emissions reduction program focusing on energy use, staff travel, paper consumption and waste. In 2009, we moved to a more streamlined business model that focuses on our strengths - our Visa credit card and prepaid card business, our foreign exchange services and our commercial real estate lending.