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Three Easy Ways to Open

Online: Open Now
By Phone: 1-877-360-CIRCLE
In Person: Find a Branch

Circle Banking Package

This package includes the following accounts:

Circle Checking or Circle Checking with Interest
FREE Circle Savings
FREE Circle Money Market

With Circle Savings, you are rewarded for your relationship with Citizens Bank with preferred interest rates, to help you reach your savings goals.

Overview

Checking

Checking with Interest

Everything you need to manage your everyday finances - all in one convenient, affordable package. The Citizens Circle banking package is designed to make life easier by combining your checking, savings, and money market accounts.

Once you're signed up, you also get access to preferred rates and numerous benefits provided only to banking package customers.

Apply now to open a new Citizens Circle Banking package, or to upgrade your existing account please call the PhoneBank at 1-877-360-CIRCLE or visit your local branch.

Start with a checking account - you can choose between Circle Checking and Circle Checking with Interest - and add a preferred rate Circle Savings account.

Then, you can add additional checking, savings and money market accounts to your relationship at no additional fee. Click the tabs above to see the preferred package rates for each account in your area.

Circle Checking

Checks	Free Circle Design checks including reorders or $10 off any other style. Unlimitied check writing.
Online Banking and Bill Pay	Free unlimited online access to accounts. Pay bills, make transfers, set up alerts, and more. Online banking is safe and secure - guaranteed.
Convenience	Free ATM card or Debit Card. Access to more than 2,600 ATMs and 1,480 branches - many with extended hours. Transactions at other banks' ATMs² are free. Instant access to your funds via Direct Deposit. No fees on standard American Express^® Travelers Cheques.
Rewards	Choose between two great Debit rewards programs: Earn up to $120 per year for going paperless with Green$ense™. With Everyday Points®, earning rewards is faster and easier than ever with no limits on how many points you can earn.
Pay Yourself First	Use our free Steady Save^® to set up automatic transfers to your savings account.
Customer Service	Speak to one of our helpful bankers. We make switching to Citizens bank easy with One Switch^®.
Overdraft Protection	Link to your other Citizens accounts for overdraft protection³.
Safety & Security	Peace of mind with FDIC insurance .

¹ Eligible balances include checking, savings, CDs, loans and lines of credit. See a banker for details.

² On these accounts, Citizens does not impose a charge for use of a non-Citizens ATM. However, some non-Citizens ATMs may require a fee to use.

³ Usage fee may apply. Applicable accounts include, Lines of credit, Savings accounts and Money Market accounts. All accounts, loans, and services are subject to individual approval. See a banker for details. Other fees may apply.

Everyday Points® Program:
$25 program annual fee applies. In the case where your only enrolled account(s) in the Program is the Credit Card and/or the Business Credit Card, you will not be charged the Annual Program Membership Fee. Terms, conditions, restrictions apply. Please see terms and conditions or speak to a banker for details.

Circle Checking with Interest

Checks	Free Circle Design checks including reorders or $10 off any other style. Unlimitied check writing.
Online Banking and Bill Pay	Free unlimited online access to accounts. Pay bills, make transfers, set up alerts, and more. Online banking is safe and secure - guaranteed.
Convenience	Free ATM card or Debit Card². Access to more than 2,600 ATMs and 1,480 branches - many with extended hours. Transactions at other banks' ATMs³ are free. Instant access to your funds via Direct Deposit. No fees on standard American Express^® Travelers Cheques.
Rewards	Choose between two great Debit² rewards programs: Earn up to $120 per year for going paperless with Green$ense™. Redeem points for retail merchandise for your everyday purchases with Everyday Points™.
Interest Rate	View rates
Pay Yourself First	Use our free Steady Save^® to set up automatic transfers to your savings account.
Customer Service	Speak to one of our helpful bankers. We make switching to Citizens bank easy with One Switch^®.
Overdraft Protection	Link to your other Citizens accounts for overdraft protection⁴.
Safety & Security	Peace of mind with FDIC insurance.

¹ Eligible balances include checking, savings, CDs, loans and lines of credit. See a banker for details.

² Everyday Points® Program:
$25 program annual fee applies. In the case where your only enrolled account(s) in the Program is the Credit Card and/or the Business Credit Card, you will not be charged the Annual Program Membership Fee. Terms, conditions, restrictions apply. Please see terms and conditions or speak to a banker for details.

³ On these accounts, Citizens does not impose a charge for use of a non-Citizens ATM. However, some non-Citizens ATMs may require a fee to use.

⁴ Usage fee may apply. Applicable accounts include, Lines of credit, Savings accounts and Money Market accounts. All accounts, loans, and services are subject to individual approval. See a banker for details. Other fees may apply.

Circle Savings

Interest Rate	View rates
Monthly Maintenance Fee	FREE
Minimum Balance to Open	$0 Free with a Citizens Circle Checking account.
Online Banking & Bill Pay	Free- Unlimited online access to accounts. Online banking is safe and secure - guaranteed.
Pay Yourself First	Use our free Steady Save^® to set up automatic transfers to your savings or money market account.
Convenience	Access to more than 2,600 ATMs and 1,480 branches - many with extended hours. Transactions at other banks' ATMs¹ are free. Unlimited account access with your free ATM card.
Customer Service	Speak to one of our helpful bankers. Add an additional Circle Savings account to your existing checking account by calling 1-877-360-CIRCLE or by visiting a branch.
Safety & Security	Peace of mind with FDIC insurance.

All accounts, loans, and services are subject to individual approval. See a banker for details. Other fees may apply.

Fees may reduce earnings. See a banker for details and transaction limitations.

¹ On these accounts, Citizens does not impose a charge for use of a non-Citizens ATM. However, some non-Citizens ATMs may require a fee to use.

Circle Money Market

Interest Rate	View rates
Monthly Maintenance Fee	FREE
Checks	Convenience of up to 3 checks per month. No fees on standard American Express^® Travelers Cheques.
Online Banking & Bill Pay	Free unlimited online access to accounts.
Pay Yourself First	Use our free Steady Save^® to set up automatic transfers to your account.
Convenience	Access to more than 2,600 ATMs and 1,480 branches - many with extended hours. Unlimited account access with your free ATM card. Transactions at other banks ATMs¹ are free. Free ATM card or Debit Card - the choice is up to you.
Customer Service	Our bankers are available to help you choose the right money market account for you.
Safety & Security	Peace of mind with FDIC insurance.

¹ On these accounts, Citizens does not impose a charge for use of a non-Citizens ATM. However, some non-Citizens ATMs may require a fee to use.

Savings Benefits	Circle Money Market™ at no additional fee. Preferred rate Certificates of Deposit. Free Steady Save^®, automatic transfers to your Circle Savings or Circle Money Market.
Borrowing Benefits	0.25% APR discount on Home Equity lines and loans.
Debit Rewards Benefits	Get rewarded for all your debit card purchases and more... Earn 1 point per $1 on signature transactions. Earn 1 point per $2 on PIN transactions. Double points for recurring payments. Earn 20 points for each online bill payment. Earn up to 300 points per month for maintaining multiple accounts at the bank. $25 Annual Fee Applies Earn up to $120 a year with Green$ense^™.
Additional Benefits	Link to multiple checking, savings, and money markets at no additional fee including your child's account (great for parents with children in college). Free transactions at other banks' ATMs¹. No fee standard American Express^® Travelers Checks. Overdraft Protection.

¹ On these accounts, Citizens does not impose a charge for use of a non-Citizens ATM. However, some non-Citizens ATMs may require a fee to use.

What is a Checking Account?
A checking account is an account, where funds are easily available through different channels (checks, ATM, online bill pay). Because money is available on demand these accounts are also referred to as demand accounts or demand deposit accounts.

What is a Savings Account?
Savings accounts are accounts that pay interest but can not be used directly as money (for example, writing a check). These accounts let customers set aside a portion of their assets to grow over time.

How Do I Open an Account?
For your convenience, you can apply for many Citizens Bank personal and business products right online. Just select the appropriate link from the top of this page and find the product you're looking for. You'll find information about applying online on the individual product page. If you prefer, you can also open and account by calling the Citizens Bank PhoneBank at 1-888-910-4100, or by visiting any Citizens Bank branch.

How Do I Transfer Funds?
It's easy to transfer funds yourself by phone: merely call 1-888-910-4100. You can also transfer funds at ATMs or online using Online Banking.

What Kinds of Transactions can I Perform Using Online Banking?
You can review account history and current transactions, transfer funds between accounts, place stop payments, request copies of statements, send customer service requests via secured Email, pay bills, view images of cleared checks, access your checking and savings account statements online, and much more.

How Safe is Online Banking? What Systems Are In Place To Ensure Security?
All account information entered and displayed online is maintained on a secured database encrypted using Secure Socket Layer (SSL) technology. We also protect information stored in our database by hardened connections called Firewalls. Only those devices authorized to communicate with the database can make a connection to the database. Additionally we offer Safe With Citizens to ensure security.

How can GoalTrack Savings^SM help me?
GoalTrack Savings is a free service designed to help you save money for what matters most to you. You can easily define your goal, identify your monthly savings target, start saving regularly and earn a bonus after you’ve achieved your goal. Use our online banking tools to check your status, get reminders and watch your savings grow. It’s the easiest, most rewarding way to reach your goals.

How Do I Earn Everyday Points™?
You will earn 1 point for every $1 spent on non-PIN debit card transactions which include signature and internet purchases. Just be sure to press "credit" or sign the receipt for all your everyday shopping. For purchases made at retailers in our Merchant Network, you'll earn up to 20 bonus points for every $1 you spend with your Debit Card.

What is Green$ense™?
Green$ense™ is simple. And, it's free. With Green$ense™, we'll pay you 10 cents every time you pay without paper - like when you use your debit card, pay a bill online, or have an automatic payment charged to your checking account or debit card. You can earn up to $120 a year!

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© Copyright 2009 Citizens Financial Group. All rights reserved.
Citizens Bank is a brand name of RBS Citizens, N.A. and Citizens Bank of Pennsylvania. Deposit accounts held at RBS Citizens, N.A. and Citizens Bank of Pennsylvania are separately insured.

Green$ense Patent Pending.

GoalTrack Savings Patent pending. Bonus varies based on the amount saved and length of savings period. See a Banker for details.

GoalTrack Savings Terms and Conditions

Everyday Points® Program
$25 program annual fee applies. In the case where your only enrolled account(s) in the Program is the Credit Card and/or the Business Credit Card, you will not be charged the Annual Program Membership Fee. Terms, conditions, restrictions apply. Please see terms and conditions or speak to a banker for details.