Citizens Bank caters to you

Simple solutions or accounts with a custom feel, we are here to meet your Banking needs.

Citizens AdvantageValueSenior Citizens AdvantageSenior BudgetNOWHealth Savings Account*
Open to allOpen to allOpen to customers 55 years of age and upOpen to customers 55 years of age and up
Open to allQualifying customers with an HDHP
$10 maintenance fee per monthly statement cycle
$6 maintenance fee per monthly statement cycle
$10 maintenance fee per monthly statement cycle
No maintenance fee$8 maintenance fee per monthly statement cycle
$25 set up fee
No maintenance fee
No minimum balance requirementNo minimum balance requirement
$1000 minimum daily balance to avoid maintenance fee¹No minimum balance requirement
$1000 minimum daily balance to avoid maintenance fee¹
No minimum balance requirement
Unlimited check writing15 processed checks per statement cycle; additional checks $.50 eachUnlimited check writing
30 processed checks per statement cycle; additional checks $.50 each
Unlimited check writing
Unlimited check writing
Up to $400
Overdraft Service
Up to $200
Overdraft Service
Up to $400
Overdraft Service
Up to $200
Overdraft Service
Up to $400
Overdraft Service
No Overdraft Service
Non-interest bearingNon-interest bearingEarns interest.
Contact us for current interest rate and Annual Percentage Yield
Non-interest bearingEarns interest.
Contact us for current interest rate and Annual Percentage Yield
Earns interest.
Contact us for current interest rate and Annual Percentage Yield
$2.00/month
Online Bill Pay up to 15, over 15 $0.40 each
No Fee
Online Bill Pay up to 15, over 15 $0.40 each
$2.00/month
Online Bill Pay up to 15, over 15 $0.40 each
$6.00/month
Online Bill Pay up to 15, over 15 $0.40 each
$6.00/month
Online Bill Pay up to 15, over 15 $0.40 each
No Fee
Online Bill Pay
¹If the balance falls below this amount on any day during the statement cycle, the account will incur the statement cycle maintenance fee.
*Please consult a tax professional for specific tax advice.
Initial Deposit for all personal checking accounts - $100. HSA minimum balance to open $0.00.
No fee for Notary Service, Direct Deposit, Online Banking Account Access, 24 Hour Xpress Phone banking on all personal checking accounts.

No fee standard checks (one package per order) on Citizens Advantage, Senior Citizens Advantage, and Senior Budget accounts.
No fee cashier's checks for Citizens Advantage and Senior Citizens Advantage 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 fee based on the size of the box. Contact your nearest Branch location for more information on availability and fees. Receive a $5 per year discount with automatic payment from your Citizens Bank Personal Checking account.  No insurance coverage is provided on box contents by FDIC or Citizens Bank. 

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