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:

Overview

FAQ's

            Monthly Maintenance Fee
        
$11.99
Monthly fee waived if you make 
                5 qualifying payment transactions per month from your account OR maintain an
                average balance of $2,500.

            Minimum Balance to Open
        
Open your account with as little as $50.

            Checks
        
Unlimited check writing.
Order
                checks for a nominal fee.

            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.

            Convenience
        
Debit Card.
Access to more than 3,500 ATMs and 1,300 
                branches - many with extended hours.
Instant access to your funds via Direct
                Deposit.

            Interest Rate
        

            View rates
        

            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 Choices1to 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 6/19/2013 and subject to change before or after account opening. (#REGION_NAME#). Rates apply to new accounts and may not apply to existing accounts.

¹Important Information About Our Standard Overdraft Practices

¹Annual 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.

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.

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.

Is Bill Pay available with Mobile Banking?
Yes. Bill Pay is currently available within our 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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© Copyright 2013 RBS Citizens Financial Group, Inc. 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.