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Citizens Bank Platinum Plus Checking®

Call 1-888-438-9888

Enjoy the same benefits and services as Platinum Checking,
but with our higher Platinum Plus rates.

Balance & Fees

Any Amount

Open your account with any amount.
Seriously.

$0 or $25

Monthly maintenance fee1 waived if combined monthly balances (in deposit and investment accounts) is $25,000+ AND either: Make a deposit of at least $5,000 in your primary checking account each statement period OR Maintain an average daily checking balance of $10,000+.

Interest Rates

×

Platinum Plus Checking

Balance APY
$0 - $2,499 #ProductLine=ODS|Brand=citizensbank|Product=Checking|ProductName=Platinum Plus Checking|Code=INCH-019-DF|ProductLevelCode=GLD|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(0.00)#%
$2,500 - $9,999 #ProductLine=ODS|Brand=citizensbank|Product=Checking|ProductName=Platinum Plus Checking|Code=INCH-019-DF|ProductLevelCode=GLD|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(2500.00)#%
$10,000 - $24,999 #ProductLine=ODS|Brand=citizensbank|Product=Checking|ProductName=Platinum Plus Checking|Code=INCH-019-DF|ProductLevelCode=GLD|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(10000.00)#%
$25,000 - $49,999 #ProductLine=ODS|Brand=citizensbank|Product=Checking|ProductName=Platinum Plus Checking|Code=INCH-019-DF|ProductLevelCode=GLD|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(25000.00)#%
$50,000 - $74,999 #ProductLine=ODS|Brand=citizensbank|Product=Checking|ProductName=Platinum Plus Checking|Code=INCH-019-DF|ProductLevelCode=GLD|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(50000.00)#%
$75,000 - $249,999 #ProductLine=ODS|Brand=citizensbank|Product=Checking|ProductName=Platinum Plus Checking|Code=INCH-019-DF|ProductLevelCode=GLD|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(75000.00)#%
$250,000 - $999,999 #ProductLine=ODS|Brand=citizensbank|Product=Checking|ProductName=Platinum Plus Checking|Code=INCH-019-DF|ProductLevelCode=GLD|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(250000.00)#%
$1,000,000 - $2,999,999 #ProductLine=ODS|Brand=citizensbank|Product=Checking|ProductName=Platinum Plus Checking|Code=INCH-019-DF|ProductLevelCode=GLD|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(1000000.00)#%
$3,000,000+ #ProductLine=ODS|Brand=citizensbank|Product=Checking|ProductName=Platinum Plus Checking|Code=INCH-019-DF|ProductLevelCode=GLD|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(3000000.00)#%

Your Monthly Combined Balance is calculated by adding the average daily balance of qualified linked deposit accounts for each specific cycle with the market value of any linked investment accounts as of the day before your checking statement date. Your cycle for qualified deposit accounts begins the day of your monthly statement.

Want to Learn More? Download our Account Guide.

Features & Benefits

Branches
and ATMs

Come see us at more than 1,100 branches and over 2,900 ATMs

24/7
Banking

Bank anytime, anywhere with Online, and Mobile Banking*

Easy Ways
to Pay

Use your debit card, Digital Wallet*, Zelle®3 or checks

Preferred Rates

Earn more and pay less with better rates in your checking, savings, money market, & CDs

Personalized Guidance

Get personal advice and responsive service from our banking experts

Safety and
Security

Bank securely with 24/7 fraud monitoring and Zero Liability protection for debit cards4

3 Easy Steps to Open Your Account Online

  1. Have these ready

    • Driver’s License/State ID
    • Social Security Number
    • Email Address
    • Phone Number

  2. Fill out the application

    • Follow the simple instructions to complete your application

  3. Make Opening Deposit

    • Choose how to fund your opening deposit. Use a debit card or transfer from another bank
    • Submit the application

Platinum Plus Privileges

  • Access to higher rates on checking, savings, money market, and CD accounts
  • No fee exclusive design checks or official bank checks
  • No fee for stop payments, money orders, foreign currency and more
  • No fee for Savings Overdraft Transfers5 and no annual fee Overdraft Line of Credit6
  • Four waived fees per statement period for use of non-Citizens ATMs**

Premier Advisory

Premier Advisory offers highly personalized financial advice and planning for individuals who want to tap into the knowledge and expertise of specialists when planning their financial future.

Learn More About Premier Advisory



Ready to open an account?
Ready to open an account?
 

Platinum Plus Checking FAQs

  • How does the combined relationship balance work?
    You tell us which deposit and investment accounts you want to include in your relationship and we link them so that the balances in those other accounts count toward your monthly total.
  • What is the difference between Platinum and Platinum Plus?
    Platinum Plus offers the chance to earn higher rates on deposit accounts. In return Platinum Plus includes both a relationship balance requirement and another requirement for your checking account balances or deposits.
  • Can I include my Citizens Investment balances ?
    Yes those can be included to count toward the $25k total. You cannot use your loan or credit card balances.
  • What do I get with Platinum?
    Access to higher rates on checking, savings, money market and certificate of deposit accounts, no fee exclusive design checks, official bank checks and paper statements, no fee for Savings Overdraft Transfers5 and no annual fee Overdraft Line of Credit6 and four waived fees per statement period for use of non-Citizens ATMs**.
  • What is a combined monthly balance?
    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.
  • How does the combined relationship balance work?
    You tell us which deposit and investment accounts you want to include in your relationship and we link them so that the balances in those other accounts count toward your monthly total.
  • What is the difference between Platinum and Platinum Plus?
    Platinum Plus offers the chance to earn higher rates on deposit accounts. In return Platinum Plus includes both a relationship balance requirement and another requirement for your checking account balances or deposits.
  • Can I include my Citizens Investment balances ?
    Yes those can be included to count toward the $25k total. You cannot use your loan or credit card balances.
  • What do I get with Platinum?
    Access to higher rates on checking, savings, money market and certificate of deposit accounts, no fee exclusive design checks, official bank checks and paper statements, no fee for Savings Overdraft Transfers5 and no annual fee Overdraft Line of Credit6 and four waived fees per statement period for use of non-Citizens ATMs**.
  • What is a combined monthly balance?
    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.

Citizens Bank Platinum Plus Savings®

Our relationship savings account comes with Platinum Plus Checking and helps you grow your savings with Platinum Plus rates.

Learn More

How your checking account works

Managing your checking accounts doesn’t have to be complicated. Learn how to take control of your money and avoid overdrafts and fees.

Learn More

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