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Checking Accounts

Helping you bank better means easy access to your money 24/7:

 

One Deposit Checking from Citizens Bank®

A simple checking account that’s as easy as one and done. One deposit of any amount each statement period waives the monthly maintenance fee.

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Open Account

Minimum balance to open

Any Amount

Monthly maintenance fee and how to avoid it

$9.99

Monthly maintenance fee waived with one deposit each statement period. No minimum balance required.

Citizens Bank Platinum Checking®

This relationship checking account with interest gives you access to personalized advice, fewer fees, Platinum rates, and preferred service.

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Open Account

Minimum balance to open

Any Amount

Monthly maintenance fee and how to avoid it

$25

Monthly maintenance fee waived with $25,000+ in combined monthly balances
Monthly combined balance is calculated by adding the market value of any linked investment account as of the day before your Platinum or Platinum Plus Checking statement date and the average daily balances of all other qualified linked accounts for a specific cycle. This cycle for all qualified deposit accounts begins the day of your last Platinum or Platinum Plus Checking statement and ends the day before the current Platinum or Platinum Plus statement. If you add another qualified linked account to your existing Platinum or Platinum Plus Checking relationship, the cycle begins the day the additional account is linked. Qualified accounts include all linked deposit and investment balances.
across all deposit and investment accounts.

Already a customer? Upgrade to Platinum today.Find a branch or call 1-800-922-9999

Citizens Bank Platinum Plus Checking®

This relationship checking account with interest offers the same preferred benefits and services as Platinum Checking, but with our higher Platinum Plus rates.

Learn More

Open Account

Minimum balance to open

Any Amount

Monthly maintenance fee and how to avoid it

$25

Monthly maintenance fee waived with $25,000+ in combined monthly balances
Monthly combined balance is calculated by adding the market value of any linked investment account as of the day before your Platinum or Platinum Plus Checking statement date and the average daily balances of all other qualified linked accounts for a specific cycle. This cycle for all qualified deposit accounts begins the day of your last Platinum or Platinum Plus Checking statement and ends the day before the current Platinum or Platinum Plus statement. If you add another qualified linked account to your existing Platinum or Platinum Plus Checking relationship, the cycle begins the day the additional account is linked. Qualified accounts include all linked deposit and investment balances.
across all deposit and investment accounts AND either $5,000 total deposits posted to the primary checking account before the end of your statement period OR $10,000 average daily checking balance.

Already a customer? Upgrade to Platinum Plus today.Find a branch or call 1-800-922-9999

Choose Your Account Simple solution for everyday transacting and saving.
Interest checking, featuring personalized advice and preferred products and services.

Higher Platinum Plus rates plus the same preferred benefits and services as Platinum Checking.
How to Waive the Monthly Fee $9.99 waived with one deposit each statement period. $25 waived with $25,000+ in combined monthly balances
Monthly combined balance is calculated by adding the market value of any linked investment account as of the day before your Platinum or Platinum Plus Checking statement date and the average daily balances of all other qualified linked accounts for a specific cycle. This cycle for all qualified deposit accounts begins the day of your last Platinum or Platinum Plus Checking statement and ends the day before the current Platinum or Platinum Plus statement. If you add another qualified linked account to your existing Platinum or Platinum Plus Checking relationship, the cycle begins the day the additional account is linked. Qualified accounts include all linked deposit and investment balances.
across all deposit and investment accounts.
$25 waived with $25,000+ in combined monthly balances
Monthly combined balance is calculated by adding the market value of any linked investment account as of the day before your Platinum or Platinum Plus Checking statement date and the average daily balances of all other qualified linked accounts for a specific cycle. This cycle for all qualified deposit accounts begins the day of your last Platinum or Platinum Plus Checking statement and ends the day before the current Platinum or Platinum Plus statement. If you add another qualified linked account to your existing Platinum or Platinum Plus Checking relationship, the cycle begins the day the additional account is linked. Qualified accounts include all linked deposit and investment balances.
across all deposit and investment accounts AND either $5,000 total deposits posted to the primary checking account before the end of your statement period OR $10,000 average daily checking balance.
Checking Interest Rates N/A View Platinum Rates View Platinum Plus Rates
Money Market, Savings1 & CD Interest Rates Access to standard rates on Money Market, Savings and CDs Access to Platinum rates on Money Market, Savings and CDs Access to Platinum Plus rates on Money Market, Savings and CDs
Standard Account Features
  • Unlimited monthly transactions and check writing
  • Debit Card, for an easy and secure way to make everyday purchases
  • 24/7 Online and Mobile Banking as well as Phone Banking
  • Overdraft Choices® and $5 Overdraft Pass®
  • Steady Save® automatic transfers to your savings account
  • Access to more than 1,100 branches and over 3,100 ATMs
  • Save 0.25 percentage points on your Home Equity Line or Loan interest rate with a Citizens Bank checking account2
  • Save 0.125 percentage points on your Mortgage interest rate with a Citizens Bank checking account3
Additional Benefits

Easy to waive monthly maintenance fee

  • Access to preferred service at Citizens Platinum Services
  • No fee for additional Platinum accounts4
  • No fee for stop payments, money orders, bank checks and more
  • Four waived Citizens fees for use of non-Citizens ATMs per statement cycle5
  • Access to preferred service at Citizens Platinum Services
  • No fee for additional Platinum accounts4
  • No fee for stop payments, money orders, bank checks and more
  • Four waived Citizens fees for use of non-Citizens ATMs per statement cycle5
Minimum Balance to Open Any Amount Any Amount Any Amount
Statements
  • No charge for paperless eStatements (requires Online Banking)
  • $2 per month for paper statements6
  • $3 per month for paper statements with check images6
No charge for any type of statement No charge for any type of statement
Check Costs and Discounts Various styles and quantities available as low as $9.99 No fee for Platinum design checks No fee for Platinum design checks
Savings Overdraft Transfer7 and Overdraft Line of Credit8
No fee for Savings Overdraft Transfers
Annual fee waived for Overdraft Line of Credit

No fee for Savings Overdraft Transfers
Annual fee waived for Overdraft Line of Credit

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