A checking account that’s just for you.
We offer an array of checking accounts to fit your needs – no matter where you are on your financial journey. Whichever account option you choose, you’ll get access to great features like online and mobile banking, debit cards with valuable rewards, and access to ATMs across East Tennessee. Enjoy modern conveniences and an 85-year tradition of personal service – only at Citizens Bank.
Standard Features Include:
- No Overdraft Fees for overdraft transactions of $5 or less1
- Mobile Banking with EZ-Deposit Mobile2
- Bank-By-Net Online Banking
- Online Bill Pay and Person-to-Person Payments
- Debit MasterCard® with ScoreCard Rewards!3
- Available CB Overdraft Services4
- Access to Citizens Bank ATMs with Express Banker Services
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1 As part of Bounce Protection, Citizens Bank will automatically waive overdraft fees on transactions that are $5 or less. Bounce Protection is a special overdraft privilege provided on all personal checking accounts in good standing unless the customer has elected to waive this service. An overdraft fee of $35 will be charged for each item paid using Bounce Protection. This fee will be deducted from the Bounce Protection limit. Transactions that may be covered under the Bounce Protection program and cause a fee to be incurred include: overdrafts created by checks, in person withdrawals, ATM withdrawals, Debit Card transactions, telephone or Internet transactions or other electronic means. One time ATM and Debit Card transactions are not covered under Bounce Protection unless you specifically consent (opt-in) to have these transactions covered. You should make every attempt to bring your account into a positive balance within 15 days. If you are not able to do so, you will receive a letter from Citizens Bank informing you of the situation and your options. If after a period of time, your account has not been brought into a positive balance, we will have no option but to close your account and take other steps to recover funds. Whether your overdrafts will be paid is discretionary, and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. Some reasons for the return of an item include, but are not limited to: we suspect the item to be fraudulent or used to perpetrate fraud or other illegal activity; your outstanding loans or other obligations with us are in default, past due, or otherwise delinquent; we have been notified that you have declared bankruptcy; the item is not endorsed properly; or your account has remained overdrawn for a period of more than 15 days. Citizens Bank does not encourage overdrawing your account. SIGNIFICANT FEES MAY BE INCURRED
2 Subject to eligibility. Deposit limits and other restrictions apply. Mobile deposit requires a checking account in good standing, active Bank-By-Net online banking and mobile banking, and, our iPhone or Android app. See the Bank-By-Net Online Banking Agreement and Mobile Banking Agreement for terms of service.
3Subject to approval
4 Overdraft Services include: Bounce Protection1 Overdraft Transfer Service (Link your account to a Citizens Bank savings, checking account, line of credit, or credit card that will be used to cover overdrafts. Transfers occur in increments of $100. If the overdraft amount on the credited account exceeds the funds available in the debited account, the amount available in the debited account will be transferred. Also, if the amount in the debited account does not equal or exceed the minimum increment referenced on the front, the amount available in the debited account will be transferred. Transfer fee of $5.00 applies.)
5Domestic ATM surcharges and ATM fees we impose for up to two (2) transactions are reimbursed at the end of the statement cycle if account conditions are met during the monthly account cycle. If more than two (2) transactions with Domestic ATM surcharges and ATM fees post and clear during a monthly statement cycle, the first two ATM surcharges and ATM fees based on transaction date and time will be reimbursed. Transactions to conduct balance inquires in which a fee is charged are processed as separate transactions even when completed at the same ATM.
6Domestic ATM surcharges and ATM fees we impose for up to four (4) transactions are reimbursed at the end of the statement cycle if account conditions are met during the monthly account cycle. If more than four (4) transactions with Domestic ATM surcharges and ATM fees post and clear during a monthly statement cycle, the first two ATM surcharges and ATM fees based on transaction date and time will be reimbursed. Transactions to conduct balance inquires in which a fee is charged are processed as separate transactions even when completed at the same ATM.
7Accounts must be in good standing. Benefits and qualifications are subject to change. Eligibility determined on a periodic basis. This determination will take place every 3-6 months and customer must meet eligibility requirements at the time of review to receive benefits. Customer will be notified upon activation of Platinum benefits.