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 fee-free 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 EZ Deposit ATMs at select locations

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STANDARD FEATURES

  • 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 EZ Deposit ATMs at select locations
     

ASK ABOUT PLATINUM BENEFITS!
Keep $1,000 in a personal checking account, along with either7:

  • Combined personal deposits of $40,000 or
  • Combined personal deposits and loans of $75,000 or
  • $100,000 with Raymond James at Citizens Investment Services.

Sometimes, simplest is best. Everyday Checking is a great option if you want all our standard features and don’t need any extra frills. Plus, when you go paperless and sign up for eStatements, it’s fee-free!

    • Includes CB Standard Checking Features
    • Upgrade to the “Value Option” for the Best Value!
    • $25 Minimum Opening Balance
    • $5 Monthly Fee* Waived with at Least one Direct Deposit or E-Statement (must post & clear during statement cycle)
    • $500 Bounce Protection1

Get more from your checking account without maintaining a minimum balance when you add the Value Option to your Everyday Checking account. Enjoy rebates, premium checks, and more for just $8 a month.

    • ATM rebates! - Two (2) ATM transactions at other banks’ ATMs each statement period reimbursed.5
    • No Charge for Select Designer Checks!
    • Paper statement
    • $5 Discount on Safe Deposit Box
    • No-Fee Money Orders, Cashiers Checks
    • Free Notary

Are you a high school or college student? Check out this option that’s designed with you in mind. Get free eStatements, access your account balance and activity by app or text, and send payments to friends instantly.

  • A service charge fee of $5.00 will be charged each statement cycle when account requirements are not met.
  • Account requirements:
    • Parent must be enrolled in Bank-By-Net. Student will be able to enroll once they reach the age of 13.
    • Must be enrolled in E-Statements.
    • Electronic access - no checks or over the counter withdrawals except for Bill Pay checks.
    • Both parent/guardian and student must sign the Account Agreement.
    • Parent/guardian must have a Citizens Bank Checking Account.
    • Parent must sign the Debit Card Agreement accepting full responsibility for the account.
  • No check writing (avoid potential overdrafts and NSF fees associated with check writing. Students use their debit card only for purchases and access to cash at ATMs and cash-back locations).
  • Free E-Statement (paper statement not available)
  • Bounce protection not available
  • Smartphone App and Text Mobile Access – enroll in CB Mobile Banking and students can access their account balance and activity using the CB Mobile Apps or via text messages.
  • Parent-Link – parents can monitor the student account activity in Bank-By-Net and set up and control transfers to the student account.
  • Electronic payments – pay anyone using the person-to-person payments features of our online Bill Pay service.

Do you use your debit card for a lot of transactions and enjoy the convenience of mobile or internet banking? If so, you have the opportunity to earn a higher interest rate and enjoy ATM rebates with our WOW Rate eChecking option.

  • Earn a High Interest Rate in Exchange for Meeting Electronic Banking Requirements
  • ATM Rebates! – Non-CB ATM Fees Rebated When Requirements are Met
  • Includes CB Standard Checking Features
  • $25 Minimum Opening Balance
  • $7 Monthly Fee waived with E-Statement
  • $500 Bounce Protection1
  • Requirements to Earn High Interest Rate:
    • Deliverable Monthly E-Statement
    • At least one Direct Deposit or ACH Payment each statement cycle
    • Twelve (12) or more Debit Card Transactions each statement cycle (ATM transactions are excluded and transactions must post to and clear the account during the statement cycle)
  • Premium interest rate paid on balances of $0 to $25,000 when requirements are met. See rate details.
  • All ATM Fees rebated at the end of the statement cycle when requirements met
^To qualify to be reimbursed for non-Citizens Bank ATM transactions, you must meet the following requirements each statement cycle: (1) Make 12 debit card transactions per statement cycle, ATM transactions are excluded (transactions must post to and clear the account during the statement cycle to meet 12 transactions requirement). (2) Receive your monthly statement electronically. Active Bank-By-Net Online Banking required for E-Statement. Please refer to the Bank-By-Net Online Banking Agreement for when this service may be terminated or deactivated and require re-enrollment. (3) Have at least one monthly direct deposit or ACH post and clear each statement cycle. Minimum balance to open is $25. No minimum monthly balance to maintain. At our discretion, we may change the qualification requirements and/or the balance tier on your account at any time. A 30-day notice will be provided for either of these two changes. ATM fees or surcharges are reimbursed at end of statement cycle. 

For those that maintain a significant balance in their checking account and want premium benefits and conveniences, our Reward Interest Account is our most robust option.

  • Earn interest at Tiered Rates! The higher your balances the greater the interest APY!
  • ATM rebates! Four (4) ATM transactions at other banks’ ATMs each statement period reimbursed6
  • No Charge for Select Designer Checks!
  • Includes CB Standard Checking Features
  • Free Notary Service
  • Avoid $15 Monthly Fee with:
    • $2,000 minimum daily balance OR
    • $4,000 average daily balance OR
    • $10,000 minimum daily balance in Combined Balances (which include personal checking, savings, certificates of deposits, money markets, IRAs and outstanding personal loans, excluding mortgages and credit cards.
  • $100 Minimum Opening Balance
  • E-Statement or Monthly Paper Statement
  • $700 Bounce Protection1
  • 25% discount on Safe Deposit Box (subject to availability)
  • Your choice of paper or eStatement at no charge.
  • No-Fee Money Orders, Cashiers Checks




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.