Why choose One Deposit Checking?
Features
- No minimum balance and an easy-to-waive monthly maintenance fee
- Discounts on select loans with automatic payment
- Extra time to cover overdrafts†
Open your account today
One Deposit Checking from Citizens®
A simple solution for everyday banking.
Manage your money anywhere with our most popular checking account. Featuring no minimum balance and a monthly maintenance fee that's easy to waive, plus easy ways to pay.
- Tap to pay with your contactless debit card
- Pay with your phone using digital wallet
- Send and receive money with Zelle®†
Bundle Checking + Savings
One Deposit Savings from Citizens®
Waive the $4.99 monthly maintenance fee by making one deposit of any amount each month into the savings account†
Looking for a more rewarding account?
Consider a Citizens Quest® Checking Account
Compared to One Deposit Checking
- Grow your relationship with extra features and exclusive benefits with the CitizensPlus® loyalty program.†
- Better rates on savings and money market accounts†
- Priority service with dedicated support
Citizens One Deposit Checking FAQs
Monthly Maintenance Fee
Pay no monthly maintenance fee when you make at least one deposit of any amount each statement period. Otherwise a $9.99 monthly maintenance fee will apply.
Overdraft Solutions
- Get extra time to cover overdrafts† - Pay no fee if you deposit enough funds to bring your account to a positive balance (excluding fees) by 10:00 PM ET the next business day.
- No fee for overdrafts $5 or less - No overdraft fee will be charged for any overdraft item of $5 or less, including ATM and debit card overdrafts, if enrolled in Debit Card Overdraft Coverage and the total overdrawn amount at the end of the business day is $5 or less.
Loan Discounts
- Mortgage Discount: 0.125% auto-pay discount† with any Citizens checking account
- Home Equity Line of Credit Discount: 0.25% auto-pay discount1 with any Citizens checking account
- Student Loan Discounts: 0.25% auto-pay discount† with any Citizens checking account and a 0.25% Loyalty Discount when you have an eligible Citizens account†
Additional Product Information
- Driver's License/State ID
- Social Security Number
- Email Address
- Phone Number
Additional identification or documentation may be required.
Start by opening your new checking account at Citizens. You then can choose from multiple funding options:
- Direct deposit: Arrange for your paycheck or other regular payments to be directly deposited into your new checking account. Provide your employer or payer with your account number and Citizens Bank's routing number.
- Transfer from another account: Use Citizens online banking or mobile app† to transfer funds from another bank account. Simply log in to the mobile app, select "Transfer" in the bottom toolbar and follow the prompts to move money between accounts
- Deposit a check: Visit any Citizens branch, ATM or use the mobile app† to deposit a check. Log in to the mobile app, select "Deposit" from the bottom toolbar, endorse the check, take a photo using the app, and follow the instructions to complete the deposit.
- Cash deposit: Visit a Citizens branch or ATM to deposit cash directly into your account. Use your debit card or account number to complete the transaction.
- Wire transfer: Receive funds via wire transfer by providing the sender with your account details and Citizens Bank's routing number.
Yes, you can open a new Citizens checking account as a joint account. The process of opening a joint account online is just as easy as opening an individual account. Both account holders will need to provide a driver's license or state ID, social security number, email address, and phone number.
© Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC
† For additional information, please click the † symbols throughout this page to view our checking disclosures and our savings disclosures.
1 Home Equity Line of Credit Auto-pay Discount: At the time of origination, having a Citizens consumer checking account set up with automatic payment deduction for monthly home equity line of credit payments is required at the time of loan origination to be eligible for the 0.25% rate discount.
Citizens offers personal checking accounts in the following states: CT, DC, DE, FL, MD, MA, MI, NH, NJ, NY, OH, PA, RI, VT or VA
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Credit cards are issued by Citizens Bank, N.A. pursuant to license by Mastercard International Incorporated.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
Mortgages and Home Equity Lines of Credit are offered and originated by Citizens Bank, N.A., NMLS ID# 433960. All loans are subject to approval. 
Equal Housing Lender.
Banking products are offered through Citizens Bank, N.A. ("CBNA"). For deposit products, Member FDIC.