At Citizens, it's our goal to help you make informed decisions about your checking account.

This guide explains how your transactions affect the Available Balance in your account. It will also help you decide how you want your account to work if it becomes overdrawn—that is, if your Available Balance drops below zero and you don't have enough money in your account to get cash, make debit card purchases or pay your bills.

Your day, your life, your money. A day in the life of your account balance.

Your day, your life, your money.
Your Available Balance explained.

How your account works is your choice. Your overdraft choices.

How your account works is your choice. Overdraft Choices.

© Copyright 2014 RBS Citizens Financial Group, Inc. All rights reserved.

Citizens Bank is a brand name of RBS Citizens, N.A. (NMLS ID# 433960) and Citizens Bank of Pennsylvania (NMLS ID# 522615).

Citizens Bank is a brand name of RBS Citizens, N.A. (NMLS ID# 433960) and Citizens Bank of Pennsylvania (NMLS ID# 522615). RBS Citizens, N.A. and Citizens Bank of Pennsylvania are affiliates. Deposit accounts held at RBS Citizens, N.A. and Citizens Bank of Pennsylvania are separately insured.