Get more from your bank
Now with Citizens Paid Early®, a new feature that lets you get paid sooner - up to 2 days early.†
One Deposit Savings from Citizens®
No minimum balance requirements if you make one deposit of ANY amount per statement which waives the monthly maintenance fee
Earns interest1
You may also maintain a $200 minimum balance to waive the fee. Account will automatically receive a waiver on the first 4 monthly maintenance fees
No monthly maintenance fee while you're under 25 or over 65
Monthly Maintenance Fee $4.99
Citizens EverValue + One Deposit Savings
The perfect match to your Citizens EverValue Checking account
Whatever your goals are, we can help you find ways to live in the moment and still save for tomorrow
Bundle your Citizens EverValue Checking and One Deposit Savings accounts
Want to Learn More? Download our Account Guide
Features and benefits
Citizens EverValue is Bank On Certified!
For meeting National Account Standards, Citizens EverValue Checking is certified as a low-cost, low-fee account by Bank On.
Citizens Paid Early®
Get paid up to 2 days early when you have direct deposit.† No need to sign up and it's absolutely free. This new feature gives you earlier access to your cash, helps avoid the stress of overdrafts and provides a head start on paying bills.
It's being added to all Citizens personal checking, savings and money market accounts.
Download our mobile app†
- Deposit checks and transfer funds
- Pay bills and add billers
- Easily freeze and unfreeze your debit card
What's available when
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Immediately |
Same business day |
Next business day |
How to find the availability status of your deposit. You can find your deposit availability in the My Accounts page in Online Banking, or in the Citizens Personal Deposit Account Agreement |
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Available for same day withdrawals |
Available to pay checks and purchases that post to your account that night (and next day withdrawals) |
Available for next business day withdrawals, and to pay checks and purchases that post to your account the next night |
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EverValue Checking FAQs
Depending on your preference, you can apply for Citizens personal and business products online, over the phone, or by visiting a Citizens branch near you. To apply 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. You can also reach a banking advisor by calling the Citizens Contact Center at 1-888-992-9999, or just speak to a representative by walking into the Citizens branch most convenient to you.
There are two options for setting up direct deposit: online or with a direct deposit form from your employer. These are very basic forms that will ask you to provide the following information to set up direct deposit:
- Your bank's ABA or routing number. This nine-digit number is found on the bottom left of your checks.
- Your checking account number. This is the main number for your checking account that you use for all deposits and withdrawals. It is found on the bottom of the check directly to the right of the routing number.
- You may need to submit a voided check. This will allow the employer to verify the above information. Write VOID in large letters in ink across the check, covering most lines so that nothing else can be written in on the check.
- Your bank's address. You should be able to find this information online, but you could also call a representative.
You can begin using Online Banking immediately after signing up!
Our Citizens EverValue Checking is specifically designed to prevent overdrafts! Citizens EverValue accounts do not come with standard overdraft coverage. What does that mean? If you don't have sufficient available funds in your checking 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.
There may be a time 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. If a transaction results in a negative balance on your account, we will not charge you an Overdraft Fee.
As an additional option, Citizens EverValue checking customers can set up an Overdraft Plan from a savings account or line of credit to help cover transactions for when they don't have sufficient available funds. Both plans are available with no fee on Citizens EverValue Checking accounts. Credit approval is required and finance charges do apply for Overdraft Line of Credit.
Ultimately, knowing how much money is available in your account is critical to avoiding any overdraft situation. Citizens gives you tools that make it easy, such as Online and Mobile Banking, and account alerts. Learn more by viewing our Overdraft Choices.
© Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC
1 Evervalue Rates Disclosure: Rates accurate as of #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=currentDate# and subject to change before or after account opening. ( #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=Region Label#). Rates apply to new accounts and may not apply to existing accounts. The variable Annual Percentage Yield (APY) is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the bank’s discretion. Other fees may apply. Fees may reduce earnings.
† For additional information, please click the † symbols throughout this page to view our checking disclosures.
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