generated: '2026-09-05'
method: generated
source: >-
  Packaged from the 12 contracts harvested into openapi/ on 2026-09-05 and the four Citizens API
  user guides at https://developer.citizensbank.com/content/qut/. Every operation named in every
  skill is a real operationId present in a published Citizens contract; where the contract declares
  no operationId the skill names the HTTP method and path instead and says so. Citizens publishes no
  AGENTS.md, no skills directory and no llms.txt - these are authored by API Evangelist.
provider: Citizens Financial Group
providerId: citizens-financial-group
skill_count: 5
grounding:
  operation_ids_invented: 0
  note: >-
    Eight of the twelve Citizens contracts declare no operationIds at all (both FDX Accounts, both
    FDX Statements, both Authorize, and the non-postal-code paths on both locators). Skills cover the
    four contracts that do name operations, plus the locators via their two named operations. No
    skill was written against an invented identifier.
skills:
  - name: citizens-initiate-payment
    file: citizens-financial-group-initiate-payment.md
    api: Citizens Payments API v3.1.11
    operations: [checkParticipantStatus, initiatePayment, retrievePaymentStatus]
    consequence: high - moves money, no reversal operation is published
    covers: >-
      RTP and ACH disbursement, the paymentId duplicate guard (PMT1003), Nacha SEC code rules, the
      ACH prenote rehearsal, and why the final outcome is only available from the status query.
  - name: citizens-validate-payee-account
    file: citizens-financial-group-validate-payee-account.md
    api: Citizens Account Validation API v1.0.13
    operations: [getAccountInquiry, getAccountInquiryByRefId]
    consequence: billable - $1.25 per successful validation
    covers: >-
      Payee verification before an irrevocable payment, the three-read cap on status (AV-4001), the
      24-hour auto-cancel window, and the per-scheme bank identifier formats (AV-6001..AV-6010).
  - name: citizens-transfer-between-own-accounts
    file: citizens-financial-group-transfer-between-own-accounts.md
    api: Citizens Account Transfer API v1.0.6
    operations: [initiateTransfer]
    consequence: high - moves money, no duplicate protection and no reversal
    covers: >-
      Same-day internal transfer, the absence of any idempotency mechanism or status lookup, and how
      to treat an ambiguous timeout.
  - name: citizens-report-balances-and-transactions
    file: citizens-financial-group-report-balances-and-transactions.md
    api: Citizens Information Reporting API v1.0.16
    operations: [getAccountList, getAccountDetails, getTransactions]
    consequence: read-only
    covers: >-
      The only paginated surface in the Citizens estate, the 206 partial-content trap on batch
      balance queries, and nextKey cursoring on transactions.
  - name: citizens-find-atm-or-branch
    file: citizens-financial-group-find-atm-or-branch.md
    api: Citizens ATM Locator v1.0.10 and Branch Locator v1.0.10
    operations: [findAtmsByPostalCode, findBranchesByPostalCode]
    consequence: read-only
    covers: >-
      The only Citizens surface reachable without OAuth, its separate Partner-ID credential family,
      its sandbox-only publication, and the backslash path-template defect in both contracts.
shared_rules:
  auth: authentication/citizens-financial-group-authentication.yml
  scopes: scopes/citizens-financial-group-scopes.yml
  conventions: conventions/citizens-financial-group-conventions.yml
  errors: errors/citizens-financial-group-error-codes.yml
  decline_codes: errors/citizens-financial-group-decline-codes.yml
  rate_limits: rate-limits/citizens-financial-group-rate-limits.yml
  sandbox: sandbox/citizens-financial-group-sandbox.yml
  onboarding_note: >-
    No Citizens API is self-serve. An Implementation Manager provisions IP allowlisting, mTLS keys
    and portal credentials, and sandbox testing is mandatory before production. An agent cannot
    obtain access to any of these surfaces on its own.
maintainers:
  - FN: Kin Lane
    email: kin@apievangelist.com