Circle Gold Checking with Interest®

Citizens Circle Gold Banking® package offers exclusive checking account benefits and services, and includes a savings account and optional
money market account.

Monthly maintenance fee
$0 or $20.00
Avoid the monthly maintenance fee

Keep a monthly combined balance above $20,000. Eligible balances include most deposit, loan and investment accounts1

Minimum balance to open
Preferred variable interest rate
0.01 %
Annual Percentage Yield (APY)2
View all tiers

Our Account Guides offer clear and simple information on standard pricing,account details and benefits

Account Guide (PDF)

Premium Features

The Circle Gold Checking with Interest® banking solution comes with a Circle Gold Savings® account and a Circle Gold Money Market® account with no additional maintenance fees3 as well as:

Preferred Rates

Preferred rates on Money Market Accounts, Certificates of Deposit, and Savings Accounts. 15% discount on safe deposit rental


50% off all checkbook orders, starting at just $4.99

Fee Discounts

No fees on official bank checks, standard American Express® Travelers Cheques, stop payments or foreign currency exchange

Circle Gold Mortgage Advantage®

Get 1/8% off your mortgage rate plus get your monthly Circle Gold Checking with Interest maintenance fee waived when you enroll6

Compare Circle Gold Checking with Interest to

One Deposit Checking from Citizens Bank™

One deposit each statement period waives the monthly maintenance fee.

Personal Checking with Interest

A checking account that earns interest while you bank, with convenient and secure access to your money.

Compare All Checking Accounts

Ready to apply?

Here’s what you need to get started:

  • US citizens and resident aliens 18 or older can apply
  • Social security number
  • Driver’s license or state ID number
  • Current contact information (e.g, address, phone number, email)
  • A check, credit card or debit card to fund your account

Wireless carrier, text and/or data charges may apply.

1 Eligible balances include checking, savings, CDs, loans and lines of credit. See a banker for details.

2 Rates accurate as of 4/30/2016 and subject to change before or after account opening. (Michigan). Rates apply to new accounts and may not apply to existing accounts.

3 Link to multiple Circle Gold Checking with Interest, Circle Gold Savings and Circle Gold Money Market accounts with no additional monthly maintenance fees.

4 Fee discounts include waiver of Sustained Overdraft Fees and Annual Fee for Overdraft Line of Credit. No fee standard American Express® Travelers Cheques. 15% discount on safe deposit rental.

5 Citizens Bank Zero Liability policy covers cards issued only by Citizens Bank and does not apply to ATM transactions or PIN transactions. Cardholder must notify Citizens Bank promptly of any unauthorized or suspicious use. Click here for additional details.

6 Citizens Bank Circle Gold Checking with Interest® account with automatic payment deduction required to receive 1/8% off your mortgage rate. One offer per property. Not applicable to bond, CRA, certain jumbo loans and 15-year FHA/VA loans. Other exclusions and restrictions may apply. Offer may be withdrawn without notice. See a banker for terms and conditions.