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Citizens Private Client® Checking

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

Open Your Account Schedule Appointment

This product is not available in your current location

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

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.

View Private Client savings interest rates¹

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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.^†

View Private Client money market rates¹

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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.

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

¹Private 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.

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 is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Citizens Wealth Management: Citizens Wealth Management (in certain instances DBA Citizens Private Wealth) is a division of Citizens Bank, N.A. (“Citizens”). Securities, insurance, brokerage services, and investment advisory services offered by Citizens Securities, Inc. (“CSI”), a registered broker-dealer and SEC registered investment adviser - Member FINRA / SIPC. Investment advisory services may also be offered by Clarfeld Financial Advisors, LLC (“CFA”), an SEC registered investment adviser, or by unaffiliated members of FINRA and SIPC providing brokerage and custody services to CFA clients (see Form ADV for details). Insurance products may also be offered by Estate Preservation Services, LLC (“EPS”) or an unaffiliated party. CSI, CFA and EPS are affiliates of Citizens. Banking products and trust services offered by Citizens.

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