Compare Types of Checking Accounts from Citizens Bank.

Compare Checking Accounts

We help you bank better by making your everyday banking simple, clear and personal. Take a look at the great checking account options below.

Choose Your Account Simple solution for everyday transacting and saving. Interest checking, featuring personalized advice and preferred products and services. Higher Platinum Plus rates plus the same preferred benefits and services as Platinum Checking.
How to Waive the Monthly Fee $9.99 waived with one deposit each statement period. $25 waived with $25,000+ in combined monthly balances across all deposit and investment accounts. $25 waived with $25,000+ in combined monthly balances across all deposit and investment accounts AND either $5,000 total deposits posted to the primary checking account before the end of your statement period OR $10,000 average daily checking balance.
Checking Interest Rates N/A View Platinum Rates View Platinum Plus Rates
Money Market1, Savings & CD Interest Rates Access to standard rates on Money Market, Savings and CDs Access to Platinum rates on Money Market, Savings and CDs Access to Platinum Plus rates on Money Market, Savings and CDs
Standard Account Features
  • Unlimited monthly transactions and check writing
  • Debit Card, for an easy and secure way to make everyday purchases
  • 24/7 Online and Mobile Banking as well as Phone Banking
  • Overdraft Choices® and $5 Overdraft Pass®
  • Steady Save® automatic transfers to your savings account
  • Access to more than 1,100 branches and over 3,100 ATMs
  • Save 0.25 percentage points on your Home Equity Line or Loan interest rate with a Citizens Bank checking account2
  • Save 0.125 percentage points on your Mortgage interest rate with a Citizens Bank checking account3
Additional Benefits Easy to waive monthly maintenance fee
  • Access to preferred service at Citizens Platinum Services
  • No fee for additional Platinum accounts4
  • No fee for stop payments, money orders, bank checks and more
  • Four waived Citizens fees for use of non-Citizens ATMs per statement cycle5
Minimum Balance to Open

Any amount

Any amount

Any amount

Statements
  • No charge for paperless eStatements (requires Online Banking)
  • $2 per month for paper statements6
  • $3 per month for paper statements with check images6
No charge for any type of statement No charge for any type of statement
Check Costs and Discounts Various styles and quantities available as low as $9.99 No fee for Platinum design checks No fee for Platinum design checks
Savings Overdraft Transfer7 and Overdraft Line of Credit8 checkmark Icon checkmark Icon
No fee for Savings Overdraft Transfers
Annual fee waived for Overdraft Line of Credit
checkmark Icon
No fee for Savings Overdraft Transfers
Annual fee waived for Overdraft Line of Credit
Open Account Open Account Open Account

All Citizens Bank deposit accounts are FDIC insured.

1 Savings and Money Market Accounts are Regulation D accounts and subject to restrictions and limitations on the types of withdrawals and transfers you may make. Please refer to the Personal Deposit Account Agreement and Fees & Features Guide for information on transaction limits and fees.

2 Having a Citizens Bank consumer checking account, set up with automatic monthly payment deduction, is required at time of loan origination to be eligible for the 0.25 percentage point rate discount.

3 Citizens Bank consumer checking account set up with automatic monthly mortgage payment deduction required at time of loan origination to be eligible for the 0.125 percentage point rate discount.  One offer per property. Not applicable to Bond or CRA loan programs. Other exclusions and restrictions may apply.

4 Link to multiple Platinum Checking, Platinum Savings and Platinum Money Market accounts with no additional monthly maintenance fees.

5 ATM owner may charge you additional fees.

6 STATEMENT DELIVERY SERVICE CHARGE: A $2.00 statement delivery service charge per statement period will apply to deliver paper statements. A $3.00 statement delivery service charge per statement period will apply to deliver paper statements with check images. However, customers who use eStatements will not incur a statement delivery charge. To enroll in eStatements and get your statements online, visit citizensbank.com/estatements. Statement delivery service charge per statement period does not apply for account owners 65 and older, for account owners under 18 or for braille or large print statements.

7 $12 Transfer Fee per day for each day a transfer(s) occurs. No Transfer Fee will be charged for any day on which all transfers are for overdraft items $5 or less - $5 Overdraft Pass®. Transfer Fee waived for Platinum Checking and Platinum Plus Checking accounts. Savings Overdraft Transfers are included in the 6 transfers and preauthorized debits allowed from savings accounts per calendar month. Please refer to your Deposit Account Agreement for more details on Withdrawal Limitations.

8 $30 Annual Fee, $12 Transfer Fee per day for each day a transfer(s) occurs, plus interest on outstanding balances. No Transfer Fee will be charged for any day on which all transfers are for overdraft items $5 or less - $5 Overdraft Pass®. Annual Fee waived for Platinum Checking and Platinum Plus Checking accounts. Credit approval required.

Securities, Insurance and Investment Advisory Services are offered through Citizens Securities, Inc. otherwise referred to as Citizens Investment Services. Citizens Securities, Inc. Member FINRA, SIPC. 770 Legacy Place, MLP240, Dedham, MA 02026. (800)942-8300. Citizens Securities, Inc. is an affiliate of Citizens Bank, N.A. and Citizens Bank of Pennsylvania.

Securities and Insurance Products are:
· NOT FDIC INSURED  · NOT BANK GUARANTEED  · MAY LOSE VALUE  · NOT A DEPOSIT  · NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY