Financed a new vehicle with Citizens, online payments aren't the most stream-lined thing I've ever seen but who cares? I enter the numbers, they process the payment, end of story. Never had any issues with failed or mishandled payments, get my statement in the mail every month with the balance. There's also no prepay penalty so I can pay as much as I want over the minimum and it saves me interest. Haven't had to contact customer service, probably won't ever have to.