CB Standard Checking Features
- No Overdraft Fees for overdraft transactions of $5 or less1
- CitizensBank24 with Mobile Deposit3
- Digital Banking
- Online Bill Pay and Person-to-Person Payments
- Debit MasterCard® with ScoreCard Rewards!2
- Available CB Overdraft Services8
- Access to ATMs with Express Banker Services at select locations
Featured
Everyday Checking
- Includes all of our CB Checking standard features
- $0 Monthly Service Charge
with E-Statement or Direct Deposit (must post & clear during statement cycle), or $5 without - $25 Opening Deposit
More Account Info
Everyday w/ Value
- Includes all of our CB Checking standard features
- ATM Rebates4
- No charge for select designer checks
- $8 Monthly Service Charge
- $25 Opening Deposit
More Account Info
Wow rate Echecking
- Includes all of our CB Checking standard features
- ATM Rebates5
- Earns Interest
- $0 Monthly Service Charge
with E-Statement or $7 without E-Statement - $25 Opening Deposit
More Account Info
Reward Interest
- Includes all of our CB Checking standard features
- ATM Rebates6
- No charge for select designer checks
- Earns Interest
- $0 Monthly Service Charge
if balance requirements are met7, otherwise $15 - $100 Opening Deposit
More Account Info
Compare Our Accounts
| Feature | Everyday Checking | Everyday w/ Value | Wow Rate eChecking | Reward Interest |
|---|---|---|---|---|
| CB Standard Checking Features | .png) |
|
|
|
| ATM Rebates | 4 |
5 |
6 |
|
| No Charge for Select Designer Checks | |
|
||
| Earns Interest | |
|
||
| Monthly Service Charge | $0 with E-Statement or Direct Deposit (must post & clear during statement cycle), or $5 without | $8 | $0 with E-Statement $7 without E-Statement |
$0 if balance requirements are met7, otherwise $15 |
| Opening Deposit | $25 | $25 | $25 | $100 |
| Open this Account | Open this Account | Open this Account | Open this Account |
Ask about Platinum Benefits!
Platinum benefits are available to all personal customers that meet the follow criteria:
Maintain an account balance of $1000.00 in a Citizens Bank Personal Checking Account
and keep either9:
- Combined personal deposits of $40,000 or
- Combined personal deposits and loans of $75,000
- $250,000 in combined business deposits and loans excluding credit cards and including business loans personally guaranteed by the customer as of last qualification date
- $100,000 or greater with Raymond James at Citizens Investment Services10 along with your Citizens Bank Personal Checking Account with at least $1,000, and you earn Platinum Benefits including unlimited ATM rebates (reimbursed), bonus CD rates, and special discounts!
1As 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, Check Card transactions, telephone or Internet transactions or other electronic means. One time ATM and Check 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.
2Subject to approval
3Subject to eligibility. Deposit limits and other restrictions apply. Mobile deposit requires a checking account in good standing, active Digital Banking and our iPhone or Android app. Digital Banking Agreement and Mobile Banking Agreement for terms of service.
4Domestic 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.
5To qualify to be reimbursed for non-Citizens Bank ATM transactions, you must meet the following requirements each statement cycle: (1) Make 12 check 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 Digital Banking account required for eStatement. Please refer to the Digital 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.
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.
7A service charge fee of $15.00 will be imposed each monthly statement cycle if the minimum daily balance falls below $2,000.00 and the average daily balance falls below $4,000.00 and the minimum daily balance in Combined Balances which include personal checking, savings, certificates of deposit, money markets, IRAs and outstanding personal loans, excluding credit cards and loans secured by real estate falls below $10,000.00.
8Overdraft Services include Bounce Protection 1 and 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 credit 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.)
9Accounts 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.
10Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, marketed as Citizens Bank Investment Services and are not insured by any bank insurance, the FDIC or any other government agency, are not deposits or obligations of the bank, are not guaranteed by the bank, and are subject to risks, including the possible loss of principal. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Citizens Bank and the Citizens Bank Investment Services are separately owned and operated and not independently registered as broker-dealers or investment advisers.
Digital Wallet
Tap and go! The easiest way to pay.
It's so quick and convenient; no more fumbling for funds!
