Personal Checking Accounts with Interest
Open an interest checking account with Citizens Bank, and receive all the great features from our convenient checking packages, plus earn interest on your funds at the same time. Our interest checking accounts are designed with your needs in mind, so you can simplify the way you manage your money.
Open an interest checking account and make the most out of your funds today.
Take Advantage of Interest Checking Account Benefits
As a Citizens Bank customer, you will receive attractive features with your interest checking accounts such as:
You May Be Interested In
Value Plan:
Learn how you can receive over $500 per year in shopping and dining discounts, up
to $120 cash back a year and additional purchase protection.
Secure Plan:
Find out how you can get additional identity theft and fraud protection all in one
place.
View All Plans
Minimum Balance to Open
Open your account with as little as $50.
Online Banking and Bill Pay
Unlimited online access to accounts. Pay bills, make transfers, set up alerts,
and more. Online Banking is safe and secure -
guaranteed .
Plans
Value Plan: $6.99 per month
With Discounts and Coupons, you can save money on dining, movies,
concerts, electronics, travel and more. More than $500 a year in potential savings.
With Cash Back with Green$ense® , get 10¢ back for every paperless
payment you make, up to $120 a year.
Get three-way protection for all your purchases with Return Guarantee, Price Protection
and Warranty Extension.
Plus enjoy access to complimentary grocery coupons.
Secure Plan: $6.99 per
month
Credit monitoring with TransUnion® gives you immediate
notification of any credit report inquiries or changes. Plus, you can request a
tri-bureau credit report in the event of an identity theft.Internet Surveillance with DataPatrol notifies you if your personal
information has been compromised online and provides expert support if an issue
is discovered.Card and document registration lets you initiate the cancellation
and replacement of lost or stolen credit cards with a single call.
Combined Plan: $10.99
per month. Enjoy the benefits of our Value and Secure Plans while saving over 20%
per month.
Pay Yourself First
Use Steady Save ®
to set up automatic divansfers to your savings account.
Use GoalTrack Savings to create a plan, divack your progress, and get rewarded when you reach your goal.
Customer Service
Speak to one of our helpful bankers.
Overdraft Choices
The occasional overdraft can happen to anyone. Make your Overdraft Choices 1 to help you control overdraft related fees and keep you from missing important payments due to a low-balance or overdraft situation.
Safety & Security
Peace of mind with FDIC insurance.
* Annual Percentage Yield
Rates accurate as of 5/22/2013 and subject to change before or after account opening.
(#REGION_NAME#). Rates apply to new accounts and may not apply to existing accounts.
1 Important Information About Our Standard Overdraft Practices
1 Annual fee waived for Circle Gold Checking with Interest. Overdraft Protection Plans include a line of credit or savings accounts linked to your checking accounts. All accounts, loans, and services are subject to individual approval. Usage and other fees may apply.
2 Standard Overdraft Practices: Standard Overdraft Practices come with your account. We may authorize and pay transactions you make by check, other transactions using your checking account number, and automated bill payments if you do not have enough money in your account. If we pay one of these transactions you will be charged an Overdraft/Insufficient Funds Fee. You can choose how we treat your ATM and Everyday Debit Card transactions that will overdraw your account. If you ask us, we will at our discretion authorize and pay ATM and Everyday Debit Card transactions when you do not have enough money in your account. Overdraft/Insufficient Funds Fees will apply. If you do not want us to pay these transactions, or if you do not make a decision at account opening, we will decline ATM and Everyday Debit Card transactions when you do not have enough money in your account. You will not be charge Overdraft/Insufficient Fund fees in that event. If we pay a transaction that overdraws your account (or return an item, such as a check, that would otherwise overdraw your account) we will charge you a fee per item (for check, in-person withdrawal, ATM withdrawal, point-of-sale transaction, or other paper, electronic, or any type of transaction or debit whether paid
or returned). We will charge $22 per item for the first day that you are overdrawn but after that we will charge $37 per item. We will limit the total number of these per item fees charged on any one day to seven per day. Once you have overdrawn your account you must bring your account to a positive balance immediately. If your account remains
overdrawn for three consecutive business days, we will charge a Sustained Overdraft Fee of $6.99 per day on the 4th business day and each day thereafter up to and including the 13th business day. Overdrafts are paid at our discretion. Meaning, we reserve the right to choose not to pay any item that would overdraw your account. For example, we may not pay an overdraft when your account is not in good standing, or if the overdraft request is for an excessive amount. Also, we reserve the right to not pay any item that would overdraw your account or that would draw against insufficient available funds. For alternate ways to manage overdrafts on your account please go to citizensbank.com/overdraft or speak to a banker at your local branch.
As a good bank, we make it our business to do more for our customers. That’s why we created Plans—each is carefully designed to give you more by helping you make the most of your money, while keeping everything you have safe and sound. Experience the benefits of Plans for yourself for 30 days at no charge with your first enrollment. View the Plans User Guide .
Get up to $620 in savings and cash back, plus added protection for your purchases,
for just $6.99 a month.
Identity theft or fraud incident could cost you thousands. Our Secure Plan can give
you peace of mind and protection for just $6.99 a month.
Maximize your benefits. Get the benefits of both the Value Plan and the Secure Plan
while saving 20% every month.
PLANS DISCLOSURE
View Value Plan Terms and Conditions
View Secure Plan Terms and Conditions
View Combined Plan Terms and Conditions
All benefits, with the exception of the Green$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.
What is a Checking Account? 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.
How Do I Open an Account?
How Do I Transfer Funds? Online Banking .
What Kinds of Transactions can I Perform Using Online Banking?
How Safe is Online Banking? What Systems Are In Place To Ensure Security? Safe With Citizens to ensure security.
Is Bill Pay available with Mobile Banking? Mobile Banking Apps . You may also access Bill Pay by logging on to online banking and selecting “Pay Bills” for devices that don't currently support bill pay. Be on the lookout for Bill Pay on additional devices with upcoming mobile enhancements.
Get Started With Interest Checking
Opening a checking account has never been easier. Simply apply online, stop by a Citizens Bank branch , or call a customer care representative at 1-877-360-2472 to get started today.
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