I worked for Citizens in PA for almost 2 years. Fran, the Bucks County Regional Manager, pushes OD fees EXACTLY as described by many posts. We were forced to open checking accounts that had excessive overdraft fees and monthly charges in order to ripoff the customers. Here's how: We had to open accounts, lying to the customers that the account has "no fees" and put specifically designed waivers on the accounts so that the customer doesn't realize the scam (the maximum waiver you could use was for 1... read full review »