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Citizens Bank | Good Banking is Good Citizenship

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By Phone: 1-877-360-2472
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Circle Gold Banking Package

Combine Your High Interest Savings Accounts With Your Checking and Money Market Account

Rest assured that you’re getting the most rewarding bank account products and services with Circle Gold Banking from Citizens Bank. This convenient package allows you to combine your money market account with your high interest savings and checking account—to make the most out of your finances.

Open a Circle Gold Banking package today!

Start Earning on High Interest Checking

Get the package that provides you with our highest level of benefits, most preferred money market account rates, and most exclusive services. With the Citizens Bank Circle Gold Banking package, you'll be rewarded for banking with us by receiving benefits like:

Preferred rates on high yield money market accounts
Mortgage savings and banking incentives
Debit card rewards with no limit to the number of points you may accrue
Preferred borrowing rates for home equity loans and lines of credit

Get Started With Circle Gold Banking

Start with a Circle Gold Checking with Interest account—then add preferred rate Circle Gold high interest savings accounts and a Circle Gold Money Market Account.

From there, add as many additional checking, savings and money market accounts to your package as you wish, at no additional fee. Check out the preferred package rates for each account in your area and see how our Circle Gold Banking Package provides you another great way to get rewarded for your relationship.

Circle Gold Checking with Interest

            Monthly Maintenance Fee
        
$0 if you maintain #P18_MINIMUM_BALANCE_TO_WAIVE_FEE# over all your Citizens accounts1,
                otherwise #P18_MAINTENANCE_FEE#.

            Minimum Balance to Open
        
Open your account with as little as #P18_MINIMUM_BALANCE#.
Comes with a Citizens Circle Gold Savings account and optional Citizens Circle Gold
                Money Market account.

            Checks
        
Unlimited check writing.
No fee for standard checks or $15 off other styles
No fees
                    on official bank checks, standard American Express® Travelers Cheques,
                    stop payments, or foreign currency exchange.

            Online Banking         
Unlimited online access to accounts. Pay bills, make transfers, set up alerts, and
                more.
Free eStatements.
Online Banking is safe and secure - guaranteed.
Bank on the go with our Mobile Banking App.

            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 transfers to your savings account.
Open a Citizens Bank savings account with GoalTrack Savings
                to create a savings plan, track your progress, and get rewarded when you reach your
                goal.

            Customer Service
        
Speak to one of our helpful bankers. 

            Overdraft Protection
        
The occasional overdraft can happen to anyone. Make yourOverdraft Choices to help you control overdraft related fees and keep you from missing important payments due to a low-balance or overdraft situation2.

            Safety & Security
        
Peace of mind with FDIC insurance.

¹ Eligible balances include checking, savings, CDs, loans and lines of credit. See a banker for details.

² Important Information About Our Standard Overdraft Practices

See a banker for details and FDIC insurance limitations.

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.

Circle Gold Savings

Interest Rate	View rates
Monthly Maintenance Fee	$0
Minimum Balance to Open	$0
Online Banking & Bill Pay	Unlimited online access to accounts. Online banking is safe and secure - guaranteed.
Pay Yourself First	Use Steady Save^® to set up automatic transfers to your savings account.
Convenience	Access to more than 3,500 ATMs and 1,300 branches - many with extended hours. Unlimited account access with your ATM card. Discounted safety deposit box rentals.
Customer Service	Speak to one of our helpful bankers. Add an additional Circle Gold Savings account to your existing checking account by calling 1-877-360-2472 or by visiting a branch.
Savings Overdraft Protection	Use your savings account to cover overdrafts on your checking account with Savings Overdraft Protection¹
Safety & Security	Peace of mind with FDIC insurance.

Circle Gold Money Market

Interest Rate	View rates
Monthly Maintenance Fee	$0
Checks	Access your account with up to 3 checks per month. No fees on standard American Express^® Travelers Cheques.
Online Banking & Bill Pay	Unlimited online access to accounts, so you can watch your savings grow.
Pay Yourself First	Use Steady Save^® to set up automatic transfers to your savings account.
Convenience	Access to more than 3,500 ATMs and 1,300 branches - A Citizens Bank is always just around the corner. ATM card or Debit Card - the choice is up to you.
Customer Service	Our bankers are available to help you choose the right money market account for you.
Safety & Security	Peace of mind with FDIC insurance.

See a banker for details and FDIC insurance limitations.

Circle Gold Mortgage Advantage™	Enroll in Circle Gold Mortgage Advantage™ and you will receive 1/8% off your mortgage rate¹! Monthly maintenance fees waived for Circle Gold Mortgage Advantage™ customers — a $20 per month savings!
Savings Benefits	Circle Gold Money Market™ at no additional fee. Preferred rates on Certificates of Deposit. Steady Save^®, automatic transfers to your Circle Gold Savings or Circle Gold Money Market. Use GoalTrack Savings^SM to create a plan, track your progress, and get rewarded when you reach your goal.
Borrowing Benefits	0.25% APR* discount on Home Equity lines and loans.
Additional Benefits	Link to multiple checking, savings, and money markets at no additional fee including your child's account (great for parents with children in college). No fee standard American Express^® Travelers Checks. Discounted annual fee overdraft protection from your Citizens Bank accounts².

¹Citizens Circle Gold Checking account with automatic payment deduction required to be eligible for discount. One offer per property. Not applicable to Bond, CRA, or our Jumbo loan programs. Other program restrictions may apply. Offer may be withdrawn without notice. See a banker for terms and conditions.

² Usage fee may apply. Applicable overdraft protection accounts include, Lines of credit, Savings accounts and Money Market accounts. All accounts, loans, and services are subject to individual approval. See a banker for details. Other fees may apply.

See a banker for details and FDIC insurance limitations.

*Annual Percentage Rate (APR)

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.

Learn More About Circle Gold Banking

Still have questions about a Circle Gold options that are right for you? It’s okay. Visit your local Citizens Bank branch, or contact a customer care representative at 1-877-360-2472 to answer any questions you may have, and help get you started.

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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.

GoalTrack Savings Patent pending. Bonus varies based on the amount saved and length of savings period. See a Banker for details.

GoalTrack Savings Terms and Conditions