Checking Account Comparison

Think about your payment habits and banking needs when comparing checking accounts

When you're trying to decide which type of checking account you want to open, you should first consider how you will use the account. This will help you decide what you need from the account and which services you expect from your bank. To determine your needs, ask yourself several questions:

• How many times per month will you make payments or get cash from your account?
• Are you likely to overdraw your account or pay bounced check fees?*
• Would you prefer to mainly manage your account online?
• Would you use your checking account to pay bills online?
• Would you prefer account statements online or in paper format?
• Will you be able to maintain the minimum balance or perform the required number of transactions?
• Will your account have direct deposit?
• Can you afford higher minimum balances in return for a better interest rate?
• Are you going to be able to keep a close record of withdrawals and deposits?

Learn about different types of checking accounts to decide which one is right for you

Compare the offerings of your different checking account options to align an account to your needs. Here are some basic types of checking accounts to consider:

• Green checking account: If you are looking for a good first checking account, this account is for you. You won't face restrictions on transactions. Plus, the monthly maintenence fee is low and may even be waived if you use your account frequently. You have the option for paperless statements, easy access to online billing, overdraft protection and more features that can make banking simpler.



• Student checking account: Designed to make checking easier for students, this type of checking account generally has more online options and may have a lower monthly fee than accounts not specifically made for students. You can also enjoy benefits like preferred student loan rates, discounts and cash back rewards.

Compare checking accounts with interest to basic checking accounts

When you want to make the most of your investments, consider checking accounts with interest. These types of checking accounts allow you to earn interest on your money while it's in the account but also provide you with easy access to your funds.

• Interest checking account: Interest checking accounts require a higher minimum balance to open and maintain than other accounts. If you dip below this balance level, you will most likely face fees. However, if you can meet this level consistently, you will earn interest on your checking and still have multiple options to access your account.

Discover checking account options to suit your banking needs at Citizens Bank

Compare checking accounts to your banking requirements to find the right type of checking account for your needs. Citizens Bank has a variety of checking accounts designed to suit the varied banking needs of our customers. Consult a Citizens Bank customer service representative to find the right checking account options for you and your family at 1-877-360-2472.