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Citizens Private Client® Checking

Enjoy fewer fees, receive a dedicated team of experts, and access exclusive events and perks.

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The below rates are for Rhode Island. Please update your ZIP code to see pricing, rates and promotions in your area.

An elevated approach to your financial needs

Experience exclusive features and benefits when you maintain at least $200,000 in combined deposits and investments.*

Better rates and fewer fees

Earn more interest on checking, savings, and money market accounts. No monthly maintenance fees.

Exclusive benefits and perks

Get exclusive access to unique experiences and events and to credit card rewards, lending discounts, and more flexible money movement limits.

Dedicated team of experts

You’ll have a dedicated relationship manager, backed by a team of Citizens Wealth Management® professionals, to help define, prioritize and achieve your goals. Schedule an appointment.

Citizens Private Client Checking + Savings

Better manage your finances by adding a savings account. Open your Private Client Checking and Savings account at one time.

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Citizens Private Client Checking + Money Market

Watch your savings grow at a higher interest rate. Continue saving with no monthly maintenance fee and the peace of mind of FDIC insurance.†

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Citizens Private Client Checking FAQ

You tell us which 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.

Yes, your investment* accounts can be included can be included to count toward the $200,000 total. You cannot use your loan or credit card balances.

Citizens Private Client® Checking requires a $200,000 monthly combined deposit and investment* balance across your linked accounts. Your relationship will be periodically reviewed for the purpose of determining Private Client Checking eligibility. If you do not maintain the required monthly combined balances, your Citizens Private Client accounts will be converted to our Citizens Quest® accounts and will be subject to the terms and conditions then in effect for Citizens Quest.

Comprehensive financial planning, led by a CERTIFIED FINANCIAL PLANNER™* professional with Citizens Wealth Management®, is complimentary for Citizens Private Clients.


Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the U.S., which it authorizes use of, by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

Have more questions? Get more answers in our full FAQs section.

© Citizens Financial Group, Inc. All rights reserved. Citizens Bank, N.A. Member FDIC

* Securities, Insurance Products and Investment Advisory Services offered through Citizens Wealth Management.

1 Private Client Checking, Savings and Money Market Account Rate Disclosure: Rates accurate as of #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=currentDate# and subject to change before or after account opening. (#Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=Region Label#). Rates apply to new accounts and may not apply to existing accounts. The variable Annual Percentage Yield (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.

Citizens offers personal checking accounts in the following states: CT, DC, DE, FL, MD, MA, MI, NH, NJ, NY, OH, PA, RI, VT or VA

Deposit products are offered by Citizens Bank, N.A. Member FDIC.

    † For additional information, please click the † symbols throughout this page to view our checking disclosures.

    Mastercard disclosure: Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

    Citizens Wealth Management (in certain instances d/b/a Citizens Private Wealth) is a division of Citizens Bank, N.A. ("Citizens"). Securities, insurance, brokerage services, and investment advisory services are offered by Citizens Securities, Inc. ("CSI"), a registered broker-dealer (Branch address: One Citizens Bank Way, Johnston RI 02919) and SEC registered investment adviser - Member FINRA / SIPC. Investment advisory services are also offered by Citizens Private Wealth, LLC ("CPW"), an SEC-registered investment adviser (see Form ADV Part 2A for details). CSI and CPW are affiliates of Citizens. Banking products and trust services are offered by Citizens. For deposit products, Member FDIC.

    SECURITIES, INVESTMENTS AND INSURANCE PRODUCTS ARE SUBJECT TO RISK, INCLUDING PRINCIPAL AMOUNT INVESTED, AND ARE:
    · NOT FDIC INSURED · NOT BANK GUARANTEED · NOT A DEPOSIT · NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY · MAY LOSE VALUE