What should I do if a payee has not posted my payment or I’ve received a late notice?
First, you should always allow enough time for the payee to receive and post your payment. Remember to allow at least 72 hours for electronic payments and up to 10 days for check/draft payments. If you receive a late notice, and more than enough time was given for the payment, call the payee directly to ensure your payment and late notice did not cross in the mail. You may also check your account transactions by using Citizens Bank Online to see if your payment or check has cleared. If you believe an error has ocured, you can call us at (479) 474-1201. After verifying your identity, we will ask for the payee's name, payment date, amount, account number and we will research the payment.