Paying with a debit card
Couple shopping at farmers marketAt Citizens Bank, we offer a variety of checking options to meet the different needs of our customers. Whether you’re a young adult opening your first bank account or a senior managing monthly Social Security payments, we have an account for you.
 
All Citizens Bank Checking Accounts Include the Following Services:
  • Online Banking
  • Mobile Banking
  • Bill Pay
  • Debit Card
  • 24-Hour Xpress Phone Banking
  • Notary Service
  • Eligible for Safe Deposit Box Rental
    Automatic payment from an eligible Citizens Bank account required
  • Access to the MoneyPass Network of Surcharge-free ATMs
    Includes tens of thousands ATMs located from coast to coast
 

Citizens Beyond Checking

A great option for students, anyone looking for a pared down checking account, and those who just appreciate simplicity.
  • No Monthly Maintenance Fee1
  • eStatements
    Paper Statement fee of $5 per month.
  • 5 Processed Checks per Month1
    $1 fee for each additional check.
  • Available to Ages 13 Years or Older
    Ages 13-17 require joint ownership with parent or legal guardian.
  • $50 Minimum Opening Balance

Citizens Choice Checking

This classic account choice gives you great checking features and benefits.
  • $10 Monthly Maintenance Fee1
    No fee with $1,000 minimum daily balance. Fee waived with at least one monthly direct deposit.
  • eStatements
    Paper Statement fee of $5 per month.
  • Unlimited Check Writing
  • No Fee for Standard Checks
    One package per order.
  • Up to $200 Overdraft Service
  • $100 Minimum Opening Balance

Citizens Senior Checking

For our customers 55 and older, this account features all the classic checking features in one product.
  • $5 Monthly Maintenance Fee1
    No fee with $1,000 minimum daily balance. Fee waived with at least one monthly direct deposit.
  • eStatements
    Paper statement available upon request.
  • Unlimited Check Writing
  • No Fee for Standard Checks
    One package per order.
  • Up to $200 Overdraft Service
  • Available to Ages 55 Years or Older
  • $100 Minimum Opening Balance

Citizens Elite Checking

Get the most out of your checking with this account that offers premium benefits.
  • $15 Monthly Maintenance Fee1
    No fee with $25,000 minimum combined daily balance.2
  • eStatements
    Paper statement available upon request.
  • Interest-bearing
    Contact us for current interest rate and Annual Percentage Yield.
  • Unlimited Check Writing
  • No Fee for Elite Checks
    One package per order.
  • No Fee for Cashier’s Checks
  • No Fee for Stop Payments
  • Up to $1,000 Overdraft Service
  • 50% Off Annual Rent on any Safe Deposit Box up to size 3x10
    Automatic payment from an eligible Citizens Bank account required.
  • $100 Minimum Opening Balance
 
 1Monthly statement cycle.
2Checking, Money Market, Savings, and/or Certificate of Deposit Accounts.

Have valuable documents or personal items you need stored in a safe place?

We offer Safe Deposit Boxes to store your items for a low annual rental fee based on the size of the box. Contact your nearest Branch location for more information on availability and fees. All Safe Deposit Boxes require automatic payment from an eligible Citizens Bank account with like ownership.  No insurance coverage is provided on box contents by FDIC or Citizens Bank. 

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