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Checking Accounts

Take control of your everyday finances with an easy-to-use and conveniently accessible low fee checking account. Our interest bearing personal checking accounts help you simplify making purchases, automatic deposits, paying bills, transferring funds and more.

Experience the benefits of personal checking account options that meet your needs and fit your lifestyle. Open a bank account online and find helpful account features that can help you:

  • Access your account online, at over 1,480 branches, or any one of our 3,800 ATMs
  • Get account and payment alerts sent right to your email or mobile device, pay bills online in just minutes, and go paperless with convenient eStatements. Learn more about our online bank checking account features today

Also, rest assured that your deposits with us are FDIC Insurance1 protected.

Compare All Personal Checking Accounts

Low Fee Checking Features Free
Checks
Green Checking
Learn more | Open now
Low Fee checking account with no minimum balance, plus so much more. No
Student Checking Features Free
Checks
Student Money Bundle™
Learn more | Open now
Receive exclusive discounts, cash back rewards and gadget protection along with financial management basics. No
Interest Checking Features Free
Checks
Circle Gold Checking with Interest
Learn more | Open now
Our premier banking package, with preferred rates on savings and borrowing, plus rewards and special perks. Yes
Circle Checking with Interest
Learn more | Open now
Checking with interest, plus savings and borrowing benefits in one convenient package. Yes
Personal Checking with Interest
Learn more | Open now
A competitive-rate checking account with no monthly fee when you carry a low minimum balance. No
Relationship Checking Features Free
Checks
Circle Checking
Learn more | Open now
Earn greater rewards and let your combined balances in checking, savings or loans offset the monthly fee. Yes
Personal Banking Products:

1See a banker for details and FDIC insurance limitations

Open a student bundle account now.

In a few easy steps we’ll get you signed up for a checking account that’s been specifically designed to meet all the demands of student life.

If you are over the age of 18, open online now.

Make sure to include the following:

  • Enter your home address for “Current Address” field
  • Enter your campus or local address for “Mailing Address” field

If you are under the age of 18, enroll at a branch location near you with a parent or guardian.


PLANS DISCLOSURE: All benefits, with the exception of the Green$ense benefit, are provided by The CPP Insurance Agency, LLC, which will be referred to as "CPP", or CPP’s third party providers. Citizens Bank is not an affiliate of nor is it responsible or liable for the services provided by CPP.

You must be 18 years or older, a US resident and have or open a Citizens Bank checking account. Only one plan per account.

Value Plan Discounts: Actual savings may vary.

Green$ense: Terms, conditions, restrictions apply. Transactions must post to your account to qualify.

All other benefits: Exclusions and limitations apply. See Terms and Conditions for complete product benefit details. The Purchase Protection programs are administered by TWG Innovation Solutions, Inc., 175 West Jackson Blvd, Chicago, IL 60604 (312) 356-3000 via forms ESP-MEM-I-DOP(8.11), PP-MEM-NT (12.07), and SG-MEM-NT (12.07). Warranty Extension benefits are not available in Maine or Utah, and are provided by National Product Care Company, except in Arizona, Florida, Oklahoma and Wisconsin, where they are provided by Service Saver, Incorporated (FL License Number 80173), both of which are located at 175 West Jackson Blvd, Chicago, IL 60604 (312) 356-3000.

 

 

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All accounts and services are subject to individual approval. See a banker for details on FDIC insurance.

Other fees may apply.