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Checking Accounts


Get Started

We’ve got a range of checking options — and ways to save.

Features and Benefits

Branches
and ATMs

Visit us at more than 1,100 branches and over 2,900 ATMs

24/7
Banking

Bank anytime, anywhere with Online and Mobile Banking*

Easy Ways
to Pay

Use your debit card, Digital Wallet*, Zelle®1 or checks

Open with
Any Amount

Start with any amount for any account

Overdraft Solutions

Protect yourself with Overdraft Choices® including $5 Overdraft Pass®

Safety and
Security

Bank securely with 24/7 fraud monitoring and Zero Liability protection for debit cards2

Choose Your Account

Choosing the right account for you is simple with Citizens Bank.
Check out our account offerings below. 

 

Student
Checking


Open Your Account

One Deposit Checking from Citizens Bank®


Open Your Account

Citizens Bank Platinum Checking®


Open Your Account

Citizens Bank Platinum Plus Checking®


Open Your Account
Good if... You're under age 25 You want a simple solution for everyday banking You want to earn interest
You want personalized advice and preferred service		 You want to earn our best interest rates.
You want personalized advice and preferred service
Monthly Maintenance Fee $0.00 under age 253 $0.00 or $9.99 $0.00 or $25.00 $0.00 or $25.00
Requirement to waive monthly maintenance fee Be under age 25 Make one deposit each statement period Have combined monthly balances (in deposit and investment accounts) of $25,000 or more Have combined monthly balances (in deposit and investment accounts) of $25,000 or more AND either:
Make a deposit of at least $5,000 in your primary checking account each statement period OR
Maintain an average daily checking balance of $10,000 or more
Interest Rate N/A N/A

Platinum Rates


Yes

Platinum Plus Rates


Yes
Additional Benefits No fee for use of non-Citizens ATM's** Easy to waive monthly maintenance fee No Fee for stop payments, money orders, bank checks, and more. Four waived fees per statement period for use of non-Citizens ATMs**. Access to preferred Citizens Platinum Services.
Check costs Free exclusive design checks Various styles and quantities available as low as $9.99
Money Market, Savings & CD Interest Rates Access to standard rates on Money Markets, Savings and CDs Access to standard rates on Money Markets, Savings and CDs Access to Platinum rates on Money Markets, Savings and CDs Access to Platinum Plus rates on Money Markets, Savings and CDs

   
Good if... You're under 25
Monthly Maintenance Fee $0.00 under 253
Requirement to waive monthly maintenance fee Be under age 25
Additional Benefits No fee for use of non-Citizens ATM's**
Check costs Free exclusive design checks
Money Markets, Savings & CD Interest Rates Access to standard rates on Money Markets, Savings and CDs
   
Good if... Your want a simple solution for everyday banking
Monthly Maintenance Fee $0.00 or $9.99
Requirement to waive monthly maintenance fee Make one deposit each statement period
Additional Benefits Easy to waive monthly maintenance fee
Check costs Various styles and quantities available as low as $9.99
Money Markets, Savings & CD Interest Rates Access to standard rates on Money Markets, Savings and CDs
   
Good if... You want to earn interest
You want personalized advice and preferred service
Monthly Maintenance Fee $0.00 or $25.00
Requirement to waive monthly maintenance fee Have combined monthly balances (in deposit and investment accounts) of $25,000 or more
Interest Rate

Platinum Rates

Yes
Additional Benefits No Fee for stop payments, money orders, bank checks, and more. Four waived fees per statement period for use of non-Citizens ATMs*. Access to preferred Citizens Platinum Services.
Check costs
Money Markets, Savings & CD Interest Rates Access to Platinum rates on Money Markets, Savings and CDs
×

Platinum Checking

   
Good if... You want to earn our best interest rates.
You want personalized advice & preferred service
Monthly Maintenance Fee $0.00 or $25.00
Requirement to waive monthly maintenance fee Have combined monthly balances (in deposit and investment accounts) of $25,000 or more AND either:
Make a deposit of at least $5,000 in your primary checking account each statement period OR
Maintain an average daily checking balance of $10,000 or more
Interest Rate

Platinum Plus Rates

Yes
Additional Benefits No Fee for stop payments, money orders, bank checks, and more. Four waived fees per statement period for use of non-Citizens ATMs*. Access to preferred Citizens Platinum Services.
Check costs
Money Markets, Savings & CD Interest Rates Access to Platinum Plus rates on Money Markets, Savings and CDs
×

Platinum Plus Checking

Citizens Checkup®

Personal guidance on your account. We understand that it can be hard to know where to start when it comes to your finances. With a Citizens Checkup®, our bankers and advisors can help you focus on what’s important and map out a plan for your future.

  • Free for all Citizens customers
  • Bankers will assess and develop a customized approach to your needs
  • Help you start or modify your financial journey
  • Help you track for retirement and more
  • Appointments are available in branch or by phone

Make An Appointment


or call 1-877-360-2472

Make An Appointment
or call 1-877-360-2472

Ready to open an account?
Ready to open an account?

1-877-360-2472Visit a BranchLive ChatOpen Your Account

 

Checking Account FAQs

  • How do I open an account?
    Depending on your preference, you can apply for a Citizens checking account online, over the phone, or at any Citizens Bank branch. To apply online, just select the appropriate link from the top of this page and find the account you wish to open. You will then see instructions about applying online. You can also Ask A Citizen by calling 1– 877-360-2472 or visiting the branch most convenient to you.
  • How do I update my name and address in your system?
    Simply call us at 1-800-922-9999, visit any Citizens Bank branch, or use the Change of Address feature of Online Banking.
  • How do I set up direct deposit and what kind of information is required?

    The first step is to ask your employer for a direct deposit form. You will need to provide the following:  

    • Our bank routing number. This nine-digit number is found on the bottom left of your checks.
    • Your checking account number. It can be found on the bottom of the check directly to the right of the routing number.
    • A voided check. This will allow the employer to verify the above information. Write “VOID” in large letters in ink across the check, covering most lines so that nothing else can be written in on the check.
    • Your branch address. You can find this information online, but you could also call a representative.

    Click here for more information on direct deposit

    • No checks? No problem you can find your routing number online.
      • routing number

      Still have questions? Click here for more information on routing numbers.

  • How can I avoid overdrawing my account?
    Knowing how much money is available in your account is critical to avoiding overdraft situations. Citizens gives you tools that make it easy, such as Online and Mobile Banking, and account alerts. Learn how to manage overdrafts and avoid fees by viewing our Overdraft Choices.
  • What is a Citizens Checkup®?

    A discussion with a Citizens Banker who will work with you to ensure you are made ready to address all of your financial priorities.

  • How do I open an account?
    Depending on your preference, you can apply for a Citizens checking account online, over the phone, or at any Citizens Bank branch. To apply online, just select the appropriate link from the top of this page and find the account you wish to open. You will then see instructions about applying online. You can also Ask A Citizen by calling 1– 877-360-2472 or visiting the branch most convenient to you.
  • How do I update my name and address in your system?
    Simply call us at 1-800-922-9999, visit any Citizens Bank branch, or use the Change of Address feature of Online Banking.
  • How do I set up direct deposit and what kind of information is required?

    The first step is to ask your employer for a direct deposit form. You will need to provide the following:  

    • Our bank routing number. This nine-digit number is found on the bottom left of your checks.
    • Your checking account number. It can be found on the bottom of the check directly to the right of the routing number.
    • A voided check. This will allow the employer to verify the above information. Write “VOID” in large letters in ink across the check, covering most lines so that nothing else can be written in on the check.
    • Your branch address. You can find this information online, but you could also call a representative.

    Click here for more information on direct deposit

    • No checks? No problem you can find your routing number online.
      • routing number

      Still have questions? Click here for more information on routing numbers.

  • How can I avoid overdrawing my account?
    Knowing how much money is available in your account is critical to avoiding overdraft situations. Citizens gives you tools that make it easy, such as Online and Mobile Banking, and account alerts. Learn how to manage overdrafts and avoid fees by viewing our Overdraft Choices.
  • What is a Citizens Checkup®?

    A discussion with a Citizens Banker who will work with you to ensure you are made ready to address all of your financial priorities.

Still looking for more information? 
Check out our FAQs section.

Savings Accounts

Whatever your goals are, we can help you find ways to live in the moment and still save for tomorrow.

Learn More

How your checking account works

Managing your checking accounts doesn’t have to be complicated. Learn how to take control of your money and avoid overdrafts and fees.

Learn More

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* Wireless carrier, text and/or data charges may apply.

** Non-Citizens ATM owners may charge a fee. Bank fees may apply.

1 Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. You must have a bank account in the U.S. to use Zelle. Don't use Zelle to send money to people you don't know. Data charges may apply.

2 Citizens Bank Zero Liability policy covers U.S.-issued cards only. Does not apply to ATM transactions, PIN transactions not processed by Visa®, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on factors such as gross negligence or fraud, delay in reporting authorized use, investigation and verification of claim and account standing and history. Cardholder must notify Citizens Bank immediately of any unauthorized use. Transaction at issue must be posted to your account before provisional credit may be issued. For additional information, please visit our Citizens Bank Liability page.

3 At least one account holder must be under 25 years old. Account will switch to One Deposit Checking from Citizens Bank® when all account owners are age 25 or older.

Visa is a registered trademark of Visa International Service Association.
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