DON’T JUST HAVE AN ACCOUNT. HAVE A CONNECTION.
The Citizens Bank has personal checking accounts that are big on features, not fees, with options that help you think big even if you’re starting small. You have more ways to earn interest on balances and purchases, more options to protect your identity, even insurance for the unexpected. You get mobile banking apps that keep you connected with your money 24/7, and the connection to a personal banker who can guide you as your assets and family grows. Take a moment to see how we’ve taken checking further by making it closer to real life.
The Best Checking Accounts With Features As Big As Life.
Discover The Citizens Bank personal checking account that suits your unique needs. Make the most of your personal banking while minimizing fees. Offering a variety of some of the best checking accounts that check in on features.
- The Citizens Bank Debit Card
- Free access to The Citizens Bank Online Banking
- Citizens Mobile Banking
- Account Alerts
- Personal Phone Teller
- Pay Your Bills Online
- Unlimited Check Writing and Deposits
- Direct Deposits to your Account
- Overdraft Protection Available
BROWSE OUR CHECKING ACCOUNTS
SIMPLY BASIC CHECKING
The Classic Checking Account Now Has Cutting Edge Convenience.
Simply Basic gets you started with a low required minimum deposit of $100.00 and a $2.00 monthly service fee. However, even your monthly service charge of $2.00 will be waived if you receive E-Statements or 10 debit card transactions and have one direct deposit or electronic debit to or from this account for the month.
SIMPLY BASIC CHECKING PLUS
Any Size Account Gets A Big Plus.
With a minimum opening balance of $100.00, Simply Basic Checking Plus More gives you basic checking with added advantages, including 400 free first time checks, a 25% discount on safe deposit boxes and complimentary in-branch services such as a Notary services and money orders. Plus, there is no monthly service charge if your balance remains $750.00 or more, with a $5.00 service charge fee deducted when your account falls below $750.00.
Just like Simply Basic Checking, you can reduce your monthly service charge by $2.00 if you receive either E-Statements or 10 debit card transactions and one direct deposit or electronic debit to or from this account for the month.
By Doing More Banking Online Your Fees Are Lowered.
E-Vantage Checking rewards you with a higher interest rate on balances up to $25,000.00* for doing more of your banking online, starting with a minimum opening balance of $100.00. Just make 10 or more debit card purchases and a direct deposit or electronic debit each month, use Online Banking at least once a month, and receive your monthly bank statements electronically for a great interest rate and perks like refunded ATM fees up to $10.00 and Everywhere Cash Savings.
*If you meet each requirement you will earn the e-Vantage rate of 0.50% APY* on balances up to $25,000.00. On any balances above $25,000.00 the e-Vantage rate of 0.25% APY* is paid. ATM surcharge fees up to $10.00 per statement cycle will be refunded if all e-Vantage requirements are met at the end of the statement cycle. If all the minimum monthly requirements are not met, the account balance rate will be 0.15% APY* and ATM fees will not be refunded. (APY*: the annual percentage yield accurate as of May 29, 2016. Rates and terms are subject to change without notice.)
Monthly service charge of $2.00 unless you receive either E-Statements or 10 debit card transactions and have one direct deposit or electronic debit to or from this account.
CITIZENS ADVANTAGE CHECKING
You’ve Gotten Better With Age. So Has Your Account.
Explore the advantages of being 55 or older with a Citizens Advantage Checking Account. With a minimum opening balance of $100.00, you can receive perks like $100,000.00 Common Carrier Insurance, Credit Card Registration, overdraft protection, and Cash Bank Member rewards.
There’s no monthly service charge if balance remains $500.00 or more. Under $500.00 the service charge fee will be $8.00. A credit of $2.00 will be deducted from the monthly service charge fee of $8.00 if you receive either E-Statements or have 10 debit card transactions and have one direct deposit or electronic debit to or from this account.
Citizens Advantage Checking Lets You Check Off The Advantages.
Citizens Advantage Checking offers multiple advantages that add up to peace of mind. You not only get $100,000.00 Common Carrier Insurance, and $300.00 overdraft protection, you also receive payment card protection. Just register all credit, debit, ATM and check cards at one time and if they are lost or stolen, call one convenient toll-free number 24 hours a day to cancel cards.
Debit Advantage – Buyer’s Protection & Extended Warranty Protection.
Free Cashier Checks
With an included 25% Safe Deposit Box Discount and Cash Back Member Rewards,
Citizens Advantage Checking is worth checking into.
NOW ACCOUNT CHECKING
Now Fees Have Left The Building.
Now you can be rewarded for your higher account balance with NOW Account Checking. Get no monthly fees on your checking account balance of $1000.00 or more, with a minimum opening balance of $1,000.00.
A credit of $2.00 will be deducted from the service charge fee of $8.00 every month if you receive either E-Statements or 10 debit card transactions and have one direct deposit or electronic debit to or from this account.
MONEY MARKET DEPOSIT ACCOUNT
Saving For The Unexpected When You Expect To Need A Little Money.
With a minimum deposit of $1,000.00 you can start earning interest immediately, without losing access to your money. Deposits are unlimited, with six withdrawals allowed each statement cycle. A $20.00 charge will be applied when withdrawals exceed six per cycle, and there is a $5.00 monthly service fee if your balance falls below $1,000.
Any student under 18 can open a Student Checking account with a parent or legal guardian as a guarantor on the account.
Student Checking has no minimum deposit and a low monthly service charge of $2.00 that can be credited if you receive E-Statements or have 10 debit card transactions.
Open your account with no minimum deposit with banking that fits your on the go lifestyle.
SQUARE ONE CHECKING
Not Just An Account, A New Start.
This account was created to be a fresh start for customers who have previously experienced challenges with their bank account.
With a minimum opening deposit of $50.00 and a $10.00 monthly service charge, you can start back at square one with a bank that will work with you one on one with a second chance checking account.
CITIZENS CHECKING CLUB
Check Into A Club With These Exclusive Rewards.
Take your Simply Basic, Simply Basic Plus, Advantage Checking, NOW checking or e-Vantage Checking account to the next level for a small monthly fee of $7.00.
$20,000 24-hour Accidental Death and Dismemberment Insurance.
Identity Theft Insurance with Fraud Assistance that gives you up to $25,000 in financial compensation for qualified expenses incurred in the recovery of your stolen identity. Fraud Assistance designed to help with the hassle of clearing your good name is also included.
Cellular Telephone Protection-Replacing them if they are stolen or damaged can be costly. As an eligible account holder you received up to $300 or Cellular Telephone Coverage to reimburse the cost of replacing or repairing your device. This valuable protection covers you whether you are at home or abroad.
- Free personalized checks.
- Free Notary Service.
- Debit Advantage Buyer’s Protection & Extended Warranty.
- Safe Deposit Box at a 25% discount
- Overdraft protection up to $300
- Free Cashier Checks
- Unlimited Check Writing
- Free e-Alerts
- Cash Back Member Rewards
- Shopping Rewards
- Hotel Savings Network
- Travel and Leisure Discounts
- Gas and Gift Cards/VIP Concierge