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 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!
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.