Get up to $400

* Securities, Insurance Products and Investment Advisory Services offered through Citizens Wealth Management.

¹ To Earn Bonus: To earn a $300 Checking bonus, open your first new personal checking account between 3/24/2025 and 7/3/2025 and have at least one single direct deposit of $500 or more post to your new checking account within 60 days of account opening. To earn a $100 Savings bonus, open your first new personal savings account on the same date as the above new checking account (direct deposit not required) and make at least one single deposit of $100 or multiple deposits totaling $100 or more that post into the new savings account every month for 3 consecutive months, starting the month after the new checking and savings accounts are opened, as noted in the table below. A total of $300 must be on deposit in the new savings account as of the date noted in the table below. To earn the total $400 bonus, you must qualify for both the Checking and the Savings bonuses noted above. Qualifications: Primary signer on the new checking and savings accounts may not be or have been a signer on any Citizens personal checking or savings account within the previous six months. Your new account(s) must have a balance greater than zero and remain open and active through the payout date stated in the table below to qualify for this offer. Direct Deposit is recurring income electronically deposited into your Citizens checking account and may include salary, pension, and other regular income. Certain forms of electronically deposited funds may not be considered eligible direct deposits, including those originating from peer-to-peer money transfer applications such as Zelle®, CashApp®, Venmo® or PayPal®. Eligibility: Customer must open their first new account(s) via Citizens' online account opening system accessed by clicking on one of the links on this page. Customer should print this screen for their records. Customer will only be paid a one-time bonus for this program. Offers may be withdrawn without notice and cannot be combined with any other checking offer. Offer eligibility is determined at Citizens' sole discretion. Payout: Bonus will be deposited to the new checking account by the date stated in the table below and will be labeled as "Balance Builder Bonus". If your new checking account is closed prior to payout date stated in the table below, then your new savings account will also no longer be eligible for this offer. Bonus will be reported to the IRS for income tax purposes.

We have multiple checking and savings options, for example if you open Citizens Quest® Checking and Savings the minimum opening balance can be of any amount. Variable-rate Annual Percentage Yield (APY) for Citizens Quest Checking varies by tier. For example, as of 3/1/2025, APY by tier for Citizens Quest Checking is: 0.02% for tiers below $2,500, $2,500+, $10,000+, $25,000+, $50,000+, $75,000+, $250,000+, $1,000,000+ and $3,000,000+. Variable-rate APY for Citizens Quest Savings varies by tier. For example, as of 3/1/2025, APY by tier for Citizens Quest Savings is: 0.02% for tiers below $2,500, $2,500+, $10,000+, $25,000+, $50,000+, $75,000+, $250,000+, $1,000,000+ and $3,000,000+. Fees may reduce earnings. Rates subject to change before or after account opening. Total monthly deposits into checking OR minimum balance requirements apply to waive the Citizens Quest® Checking $25 monthly maintenance fee.

² Student Checking and Citizens EverValue Checking® accounts do not come with standard overdraft coverage. So, if you don't have sufficient available funds in your account to cover a transaction, it will be declined and, in the case of checks, bill payments and ACH transactions, the item will be returned unpaid. While these accounts are designed to prevent overdrafts, there may be times when your account could have a negative balance. This could happen if a purchase you make is approved for one amount, but the final charge is more than your available balance. For example, when you use your debit card at a restaurant and then add a tip, the final amount could result in a negative balance. If a transaction results in a negative balance on your account, we will not charge you an Overdraft Fee.

³ FOR ONE DEPOSIT SAVINGS ONLY: You may also maintain a $200 minimum daily balance to waive the monthly maintenance fee. No monthly maintenance fee while you're under 25 or 65 or older. Account will automatically receive a waiver on the first 4 monthly maintenance fees.

⁴ Citizens Private Client® Checking requires a $200,000 monthly combined deposit and investment balance across your linked accounts. Your relationship will be periodically reviewed for the purpose of determining Private Client Checking eligibility. If you do not maintain the required monthly combined balances, your Citizens Private Client® accounts will be converted to our Citizens Quest® accounts and will be subject to the terms and conditions then in effect for Citizens Quest®. Investments are offered through Citizens Wealth Management.

All investing involves risk, including the risk of loss of principal. Investment risk exists with equity, fixed income, and other marketable securities. There is no assurance that any investment will meet its performance objectives or that losses will be avoided.

⁵ At least one account holder must be under 25 years old. Account will switch to One Deposit Checking from Citizens™ when all account owners are age 25 or older.

⁶ Citizens Zero Liability policy covers U.S.-issued cards only. Does not apply to ATM transactions, PIN transactions not processed by Mastercard, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. Cardholder must notify Citizens immediately of any unauthorized use. Transaction at issue must be posted to your account before provisional credit may be issued. For additional information, please visit our Citizens Zero Liability page at citizensbank.com/zeroliability.

⁷ If you are a Citizens Personal Checking, Savings or Money Market account customer that has set up a direct deposit with a payor, you may be able to get that direct deposit up to two days early with Citizens Paid Early®. Whether a direct deposit is eligible for Paid Early is at our discretion and we cannot guarantee that you will always receive the Paid Early service.

⁸ Wireless carrier, text and/or data charges may apply.

⁹ Citizens offers two overdraft plans- Savings Overdraft Transfer Plan and Overdraft Line of Credit. There is no fee for Savings Overdraft Transfer Plan. The $12 transfer fee per day for Overdraft Line of Credit Plan is waived for Student Checking, Citizens EverValue Checking®, Citizens Quest® Checking, and Citizens Private Client® Checking. There is no transfer fee on any day in which all overdraft transactions are $5 or less or the overdraft plan transfer is $5 or less - $5 Overdraft Pass®. The $30 Annual Fee on Overdraft Line of Credit is waived for Student Checking, Citizens EverValue Checking®, Citizens Quest® Checking, and Citizens Private Client® Checking. The Annual Percentage Rate (APR) for an Overdraft Line of Credit is 21% on all outstanding loan balances. Credit approval is required.

¹⁰ IMPORTANT DETAILS ON OVERDRAFT COVERAGE: When we pay a transaction that overdraws your checking account, we will charge you an Overdraft Fee of $35 per item paid. When we return a check or ACH transaction unpaid because your account had insufficient funds, we will not charge you a fee. We will limit to 5 the number of Overdraft Fees charged on any one business day, up to a total of $175. Once you have overdrawn your account, you must bring it to a positive balance as soon as possible. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing or if the overdraft amount is excessive. Savings account must have available balance to cover the overdraft to transfer.

For deposit products, Member FDIC.

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Citizens Wealth Management (in certain instances DBA Citizens Private Wealth) is a division of Citizens Bank, N.A. ("Citizens"). Securities, insurance, brokerage services, and investment advisory services offered by Citizens Securities, Inc. ("CSI"), a registered broker-dealer and SEC registered investment adviser - Member FINRA / SIPC. Investment advisory services may also be offered by Clarfeld Financial Advisors, LLC ("CFA"), an SEC registered investment adviser, or by unaffiliated members of FINRA and SIPC providing brokerage and custody services to CFA clients (see Form ADV for details). Insurance products may also be offered by Estate Preservation Services, LLC ("EPS") or an unaffiliated party. CSI, CFA and EPS are affiliates of Citizens. Banking products and trust services offered by Citizens.

SECURITIES, INVESTMENTS AND INSURANCE PRODUCTS ARE SUBJECT TO RISK, INCLUDING PRINCIPAL AMOUNT INVESTED, AND ARE: