Mistakes happen
Overdrafts. We've all been there.
Here's how Citizens Peace of Mind® makes it like they never happened.
Wednesday: The overdraft
You start the day with $50 in your account. You're excited about this weekend's dinner party and spend a little more than usual on groceries: $150. That's a $100 overdraft.
Thursday: Get to $0 or more
Friday: Get the overdraft fee rebated
Nice work, you got your available balance back to $0 and covered your overdraft! We'll let you know with another alert that a Citizens Peace of Mind® rebate hit your account.
What does my deposit need to cover?
You don't need to cover the overdraft fee in your deposit amount — only the transactions that caused your overdraft, plus any new transactions that process the same day as your deposit (like a recurring car payment, for instance).
Which deposits or transfers qualify for a rebate?
Some deposits such as checks drawn on a bank other than Citizens, even if made by 10:00 PM ET the next business day, are not available to cover transactions that day.
| Deposits or transfers made by 10 PM ET |
|---|
 Cash at ATM or teller |
| ATM transfer |
| Online Banking transfer between Citizens accounts |
| Zelle† |
| Wire transfer |
| Payroll or recurring direct deposit |
| Citizens check deposited at an ATM or with a teller |
| Citizens check deposited via mobile deposit in the app |
 Non-Citizens check deposited at an ATM or with a teller |
| Same-day transfer from another bank |
| Non-Citizens check deposited via mobile deposit in the app |
| Overdraft transfer plan fees are not eligible for Peace Of Mind rebates. For complete details on our funds availability policy and posting order, view your account agreement. |
What’s the deadline for deposits and transfers?
| Day of overdraft | Make a deposit by 10 pm ET on… |
|---|---|
| Saturday/Sunday/Monday | Tuesday |
| Tuesday | Wednesday |
| Wednesday | Thursday |
| Thursday | Friday |
| Friday | Monday |
| If your deadline falls on a bank holiday, you'll have until the next business day to make a deposit or transfer. | |
Get a heads-up on overdrafts
We'll send you a text or email when you overdraw your account, so make sure your contact info is up-to-date. On the mobile app†, tap Profile & Settings from the main menu. Or sign in at citizensbank.com and click Service Center to review and update your info.
© 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.
Zelle® Disclosure: Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.