Don't trust them. I signed up for a fixed rate but they kept increasing the interest rate without my knowledge or consent. Even worse, I found out that some of the money I was paying for the loan wasn't even contributing to the loan. AVOID THEM.
I have NEVER had a loan with Citizens Bank aka CIT but all of a sudden, they appeared on all of my credit reports as owning the same mortgage that was being serviced by Seterus since August when troubles began. Long story short, the fact that they are CLAIMING to have the same mortgage even though I have never borrowed anything from them for any reason, is blocking my ability to resolve issues with Seterus. CATCH 22 with NO ONE at CIT bank able to help me at all!
What is said about the reordering of transactions is true. However, what upset me the most is the lack of notifications that there is an overdraft. They will not text you, email you, or send you any type of fast indication. They will only mail you a notice that the account is overdrawn, so here I am all weekend thinking things are great and I get a letter saying I owe them a few hundred dollars.