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 an account by calling the Citizens Bank PhoneBank at 1-888-910-4100, or by visiting any Citizens Bank branch.
How do I set up all of the features my Checking Account offers?
The best way to set up the many great features offered with a Citizens checking account is to download a copy of our Checking Quick Start Guide.
Where Can I Get a Summary of the Fees, Services and Policies Associated with a Checking Account?
At Citizens Bank, we want to make banking as clear as possible for our customers. Our Account Guide outlines our standard pricing and reviews how the account works in language that's easy to understand.
Overdraft Plans automatically transfer funds to your checking account before it is overdrawn.
Savings Overdraft Transfer - Automatically transfer funds from a linked savings account.
Overdraft Line of Credit - Automatically transfers funds from a linked line of credit.
If you have an Overdraft Plan you can cover your transaction before your account becomes overdrawn using money from your own savings account or from a line of credit. These options cost less than Overdraft Fees charged when we cover an overdraft on your behalf. Compare Choices.
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.