Business History: Charter One Bank, N.A., is a $46 billion Bank operating in Illinois, Indiana, Michigan and Ohio.  It has 466 branches and more than 780 ATMs.  It has 119 branches and 364 ATMs in Illinois.  Charter One is a subsidiary of Citizens Financial Group, Inc.  a $161 billion commercial bank holding company headquartered in Providence, RI.  Citizens has more than 1,600 branches, approximately 3,100 ATMs and more than 25,000 employees.  It has a 13-state retail branch network plus non-branch retail and commercial offices in about 40 states.  Citizens is the eighth largest commercial banking company in the United States ranked by deposits and ninth in assets as of September 30, 2006.  Citizens is owned by RBS (The Royal Bank of Scotland Group plc).  The Charter One website is charterone.com.