Citizens Bank Platinum Checking

This relationship checking account with interest offers unlimited savings, money market and CD accounts and gives you access to:

  • Personalized advice
  • Fewer fees and Platinum rates
  • Preferred service at Citizens Platinum Services
Monthly maintenance fee
Avoid the monthly maintenance fee

Waived with $25,000+ in combined monthly balances across all deposit and investment accounts.

Minimum balance to open
Any amount
Platinum variable interest rate
View Rates

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

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

Account Guide (PDF)


No fee for Platinum design checks

Preferred Service

Preferred service at Citizens Platinum Services

Overdraft Choices®

Set up an Overdraft Plan to help prevent overdrafts. No fee Savings Overdraft Transfer and No Annual Fee Overdraft Line of Credit.

You can also choose how you want the bank to handle ATM and debit card transactions that might overdraw your account

Platinum Debit Card

The easy and secure way to make everyday purchases

Compare Platinum Checking to:

Citizens Bank Platinum Plus Checking

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

One Deposit Checking from Citizens Bank®

One deposit each statement period waives the monthly maintenance fee.

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

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

All accounts and services are subject to individual approval. See a banker for details on FDIC insurance.

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

1 Rates accurate as of 1/18/2017 and subject to change before or after account opening. (#REGION_NAME#). Rates apply to new accounts and may not apply to existing accounts. The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the bank’s discretion. Other fees may apply. Fees may reduce earnings.

2 Link to multiple Platinum Checking, Platinum Savings and Platinum Money Market accounts with no additional monthly maintenance fees.

3 Citizens Bank consumer checking account set up with automatic monthly mortgage payment deduction required at time of loan origination to be eligible for the 0.125 percentage point rate discount. One offer per property. Not applicable to Bond or CRA loan programs. Other exclusions and restrictions may apply.

4 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.

5 ATM owner may charge you additional fees.

Securities, Insurance and Investment Advisory Services are offered through Citizens Securities, Inc. otherwise referred to as Citizens Investment Services. Citizens Securities, Inc. Member FINRA, SIPC. 770 Legacy Place, MLP240, Dedham, MA 02026. (800)942-8300. Citizens Securities, Inc. is an affiliate of Citizens Bank, N.A. and Citizens Bank of Pennsylvania.

Securities and Insurance Products are: