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 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.