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Citizens EverValue Checking®

Everyday value for your everyday needs. No overdraft fees^†, no minimum balance, no run-around.

Open Your Account

Now with Citizens Paid Early®, a new feature that lets you get paid sooner - up to 2 days early.^†

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Citizens EverValue Checking

Open Account

No Minimum Balance

No Overdraft Fees^†

Reduced fees for Non-Citizens ATM Usage^†, Money Orders and Paper Statements

Monthly Maintenance fee $5

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One Deposit Savings from Citizens®

Open Account

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

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Citizens EverValue + One Deposit Savings

Bundle it!

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

Want to Learn More? Download our Account Guide

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.

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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.

Learn More

Zelle ^†

Digital Wallet

Contactless Debit Card

Mobile Deposit ^†

Download our mobile app^†

Deposit checks and transfer funds
Pay bills and add billers
Easily freeze and unfreeze your debit card

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

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

Cash deposited with a teller or at our ATM
Wire Transfer

Electronic direct deposit
Cash deposited at our ATM up to 10PM local time on a business day
Citizens checks deposited with a teller any time or at our ATM up to 10PM local time

Non-Citizens checks, including Federal Government checks, deposited with a teller any time or at our ATM up to 10PM local time

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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.
The first step in direct deposit enrollment is to ask your employer for direct deposit forms. 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.
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.

Have more questions? Get more answers in our full FAQs section.

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.

Apple Disclosure: Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Google Disclosure: Android and Google Play are trademarks of Google Inc.

Contactless Disclosure: The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

Zelle® Disclosure: Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Citizens EverValue Checking®

Get more from your bank

Citizens EverValue Checking

One Deposit Savings from Citizens®

Citizens EverValue + One Deposit Savings

Citizens EverValue is Bank On Certified!

Citizens Paid Early®

Features and benefits

Download our mobile app^†

What's available when

EverValue Checking FAQs

Citizens EverValue Checking®

Get more from your bank

Citizens EverValue Checking

One Deposit Savings from Citizens®

Citizens EverValue + One Deposit Savings

Citizens EverValue is Bank On Certified!

Citizens Paid Early®

Features and benefits

Download our mobile app†

What's available when

EverValue Checking FAQs

Download our mobile app^†