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                  Checking Accounts


                  Call 1-877-360-2472

                  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 25
                  $3.99 over age 25
                  $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 25 years of age
                  $3.99 over age 25
                  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

                  Balance APY
                  $0 - $2,499 #ProductLine=ODS|Brand=citizensbank|Product=Checking|ProductName=Platinum Checking|Code=INCH-016-DF|ProductLevelCode=CRC|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(0.00)#%
                  $2,500 - $9,999 #ProductLine=ODS|Brand=citizensbank|Product=Checking|ProductName=Platinum Checking|Code=INCH-016-DF|ProductLevelCode=CRC|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(2500.00)#%
                  $10,000 - $24,999 #ProductLine=ODS|Brand=citizensbank|Product=Checking|ProductName=Platinum Checking|Code=INCH-016-DF|ProductLevelCode=CRC|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(10000.00)#%
                  $25,000 - $49,999 #ProductLine=ODS|Brand=citizensbank|Product=Checking|ProductName=Platinum Checking|Code=INCH-016-DF|ProductLevelCode=CRC|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(25000.00)#%
                  $50,000 - $74,999 #ProductLine=ODS|Brand=citizensbank|Product=Checking|ProductName=Platinum Checking|Code=INCH-016-DF|ProductLevelCode=CRC|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(50000.00)#%
                  $75,000 - $249,999 #ProductLine=ODS|Brand=citizensbank|Product=Checking|ProductName=Platinum Checking|Code=INCH-016-DF|ProductLevelCode=CRC|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(75000.00)#%
                  $250,000 - $999,999 #ProductLine=ODS|Brand=citizensbank|Product=Checking|ProductName=Platinum Checking|Code=INCH-016-DF|ProductLevelCode=CRC|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(250000.00)#%
                  $1,000,000 - $2,999,999 #ProductLine=ODS|Brand=citizensbank|Product=Checking|ProductName=Platinum Checking|Code=INCH-016-DF|ProductLevelCode=CRC|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(1000000.00)#%
                  $3,000,000+ #ProductLine=ODS|Brand=citizensbank|Product=Checking|ProductName=Platinum Checking|Code=INCH-016-DF|ProductLevelCode=CRC|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(3000000.00)#%

                     
                  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

                  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

                  Balance APY
                  $0 - $2,499 #ProductLine=ODS|Brand=citizensbank|Product=Checking|ProductName=Platinum Plus Checking|Code=INCH-019-DF|ProductLevelCode=GLD|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(0.00)#%
                  $2,500 - $9,999 #ProductLine=ODS|Brand=citizensbank|Product=Checking|ProductName=Platinum Plus Checking|Code=INCH-019-DF|ProductLevelCode=GLD|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(2500.00)#%
                  $10,000 - $24,999 #ProductLine=ODS|Brand=citizensbank|Product=Checking|ProductName=Platinum Plus Checking|Code=INCH-019-DF|ProductLevelCode=GLD|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(10000.00)#%
                  $25,000 - $49,999 #ProductLine=ODS|Brand=citizensbank|Product=Checking|ProductName=Platinum Plus Checking|Code=INCH-019-DF|ProductLevelCode=GLD|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(25000.00)#%
                  $50,000 - $74,999 #ProductLine=ODS|Brand=citizensbank|Product=Checking|ProductName=Platinum Plus Checking|Code=INCH-019-DF|ProductLevelCode=GLD|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(50000.00)#%
                  $75,000 - $249,999 #ProductLine=ODS|Brand=citizensbank|Product=Checking|ProductName=Platinum Plus Checking|Code=INCH-019-DF|ProductLevelCode=GLD|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(75000.00)#%
                  $250,000 - $999,999 #ProductLine=ODS|Brand=citizensbank|Product=Checking|ProductName=Platinum Plus Checking|Code=INCH-019-DF|ProductLevelCode=GLD|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(250000.00)#%
                  $1,000,000 - $2,999,999 #ProductLine=ODS|Brand=citizensbank|Product=Checking|ProductName=Platinum Plus Checking|Code=INCH-019-DF|ProductLevelCode=GLD|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(1000000.00)#%
                  $3,000,000+ #ProductLine=ODS|Brand=citizensbank|Product=Checking|ProductName=Platinum Plus Checking|Code=INCH-019-DF|ProductLevelCode=GLD|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(3000000.00)#%

                  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 only

                  Call 1-877-360-2472 or locate a branch.



                   

                  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.
                  • 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.

                  Goal Track Savings®

                  We help you save for what matters most to you. It’s easy to create a plan, track your progress and get rewarded when you reach your goal.

                  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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