Why choose One Deposit Checking?
Open your account today
One Deposit Checking from Citizens®
A simple solution for everyday banking.
Manage your money anywhere with our most popular checking account. Featuring no minimum balance and a monthly maintenance fee that's easy to waive, plus easy ways to pay.
- Tap to pay with your contactless debit card
- Pay with your phone using digital wallet
- Send and receive money with Zelle®
Bundle Checking + Savings
One Deposit Savings from Citizens®
Waive the $4.99 monthly maintenance fee by making one deposit of any amount each month into the savings account†
Looking for a more rewarding account?
Consider a Citizens Quest® Checking Account
Compared to One Deposit Checking
- More credit card cash back, discounts and waived fees1
- Better rates on savings and money market accounts†
- Priority service with dedicated support
Citizens One Deposit Checking FAQs
Monthly Maintenance Fee
Pay no monthly fee when you make at least one deposit of any amount each statement period. Otherwise a $9.99 monthly maintenance fee will apply.
Overdraft Solutions
- Get extra time to cover overdrafts†† - Pay no fee if you deposit enough funds to bring your account to a positive balance (excluding fees) by 10:00 PM the next business day.
- No fee for overdrafts $5 or less - No overdraft fee will be charged for any overdraft item of $5 or less, including ATM and debit card overdrafts, if enrolled in Debit Card Overdraft Coverage and the total overdrawn amount at the end of the business day is $5 or less.
Loan Discounts
- Mortgage Discount: 0.125% auto-pay discount† with any Citizens checking account
- Home Equity Line of Credit Discount: 0.25% auto-pay discount2 with any Citizens checking account
- Student Loan Discounts: 0.25% auto-pay discount† with any Citizens checking account and a 0.25% Loyalty Discount when you bank with Citizens†
Additional Product Information
- Driver's License/State ID
- Social Security Number
- Email Address
- Phone Number
Additional identification or documentation may be required.
Start by opening your new checking account at Citizens. You then can choose from multiple funding options:
- Direct deposit: Arrange for your paycheck or other regular payments to be directly deposited into your new checking account. Provide your employer or payer with your account number and Citizens Bank's routing number.
- Transfer from another account: Use Citizens online banking or mobile app† to transfer funds from another bank account. Simply log in to the mobile app, select "Transfer" in the bottom toolbar and follow the prompts to move money between accounts
- Deposit a check: Visit any Citizens Bank branch, ATM or use the mobile app† to deposit a check. Log in to the mobile app, select "Deposit" from the bottom toolbar, endorse the check, take a photo using the app, and follow the instructions to complete the deposit.
- Cash deposit: Visit a Citizens Bank branch or ATM to deposit cash directly into your account. Use your debit card or account number to complete the transaction.
- Wire transfer: Receive funds via wire transfer by providing the sender with your account details and Citizens Bank's routing number.
Yes, you can open a new Citizens checking account as a joint account. The process of opening a joint account online is just as easy as opening an individual account. Both account holders will need to provide a driver's license or state ID, social security number, email address, and phone number.
© Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC
1 Annual Fee per Account. No additional fee for Authorized User(s). $200 Fee Waiver ($95 Annual Fee) for customers that maintain a Citizens Quest Checking Account relationship. $295 Fee Waiver ($0 Annual Fee) for customers that maintain a Private Bank and/or Private Client Checking Account relationship. Cardholder must have stated Citizens Account relationship at Credit Card Account Opening and at each subsequent Account anniversary date in order for the waiver to apply. Otherwise, the full Annual Fee will be charged to the Account. Account relationship will be assessed periodically. The Annual Fee for new credit card customers is charged on the second statement cycle, and each subsequent Annual Fee will be charged on the card's anniversary date. The Annual Fee for existing Citizens cardholders is charged on the card's anniversary date.
The Citizens Summit Reserve World Elite Mastercard Reward Program: You will earn 3% Rewards Points for every dollar you spend on eligible purchases made in the restaurant, grocery store (excluding Walmart® and select superstores), and entertainment (including streaming services) merchant categories with your Citizens Summit Reserve™ World Elite Mastercard®. You will earn 1.5% Reward Points for every dollar you spend on all other eligible net purchases with no limits, as long as your account is in good standing. A Card account is in good standing if your Card is open and has charging privileges. Purchases are submitted and categorized by the merchant. Merchants are assigned a merchant code, which is determined by the merchant, or its processor based on the products and services they primarily sell. Citizens does not choose the merchant code or control how purchases are classified. A purchase will not receive the additional Reward Points if the merchant's code is not eligible. This Rewards Program is governed by the terms and conditions set forth in the Reward Guide. You will receive the Reward Guide when your account is opened. The Reward Guide will explain the program, including the following: A) Earn cash back rewards on all eligible net purchases. A net purchase is the amount of a purchase less any credits, returns and adjustments. Certain transactions do not qualify for cash back rewards. For example, balance transfers, cash advances, account fees or charges, interest charges, life insurance charges, money orders, wire transfers, lottery tickets, gambling charges, or unauthorized charges to your account do not earn cash back rewards. Please refer to your Reward Guide for complete program terms and conditions. B) Cash Back Rewards will not expire as long as your credit card account is in good standing, and you make an eligible purchase once every twelve (12) months. C) Program subject to change. D) You are solely responsible for any taxes that may be owed as a result of cash back rewards earned and/or redeemed under this card. Please consult your tax advisor. E) Other terms may apply and will be included in the Agreement.
As of 8/18/2025. Features and rules subject to change without notice. Restrictions may apply. See website for terms and additional information.
2 Home Equity Line of Credit Auto-pay Discount: Save 0.25% off your rate for customers with a Citizens consumer checking account, set up with automatic monthly payment deduction at the time of origination. HELOC Annual Interest savings is based on an average HELOC balance of $60,000 and assumes the recipient is receiving 0.25% Home Equity Auto-pay discount. This example is provided for illustrative purposes only to show possible annual savings. Your actual annual savings may vary.
Citizens offers personal checking accounts in the following states: CT, DC, DE, FL, MD, MA, MI, NH, NJ, NY, OH, PA, RI, VT or VA
† For additional information, please click the † symbols throughout this page to view our checking disclosures and our savings disclosures.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Credit cards are issued by Citizens Bank, N.A. pursuant to license by Mastercard International Incorporated.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
Mortgages and Home Equity Lines of Credit are offered and originated by Citizens Bank, N.A., NMLS ID# 433960. All loans are subject to approval.
Equal Housing Lender.
Banking products are offered through Citizens Bank, N.A. ("CBNA"). For deposit products, Member FDIC.