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Citizens EverValue Checking®

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

Get more from your bank

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
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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.

Features and benefits

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

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

EverValue Checking FAQs

© 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.

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For additional information, please click the symbols throughout this page to view our checking disclosures.

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