Our Citizens Quest relationship allows you to bank easier with no fee for additional services, personalized guidance and CitizensPlus® benefits†. No monthly maintenance fee when you make $5,000 in total deposits to your primary checking account each statement period OR maintain $25,000 monthly combined deposit and investment balances* across your linked accounts. Otherwise a $25.00 monthly maintenance fee will apply.
Open a Citizens Quest® Checking account or bundle it with a savings option today
Citizens Quest® Checking
Grow your relationship with extra features and exclusive benefits with the CitizensPlus® loyalty program.†
Checking + Savings
Maximize your relationship by opening your Citizens Quest Checking and Savings accounts together. Open your savings account with any amount and pay no monthly maintenance fee.
Checking + Money Market
Watch your savings grow when you open a Quest Money Market account with your Citizens Quest Checking account. Your money market account won't have a monthly maintenance fee and you'll earn a competitive yield.
Citizens Quest Checking FAQs
You decide which Citizens deposit and investment accounts^^ you want to include in your relationship and they will be linked so that the balances in those other accounts count toward your monthly total.
Yes, those can be included to count toward the $25,000 total combined balances to waive the monthly maintenance fee. You cannot use your loan or credit card balances.
Combined balance is calculated by adding the market value of any linked Citizens Securities or Citizens Private Wealth managed investment account as of the day before your Citizens Quest 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 Citizens Quest Checking statement and ends the day before the current Citizens Quest Checking statement. If you add another qualified linked account to your existing Citizens Quest Checking relationship, the cycle begins the day the additional account is linked. Qualified accounts include all linked Citizens Securities, Inc. (CSI) and Citizens Private Wealth investment balances.*
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 an opening deposit
- Choose how to fund your opening deposit. Use a debit card or transfer from another bank
- Submit the application
CitizensPlus is a benefit-rich loyalty program available only with Citizens Quest® Checking and Citizens Private Client® Checking accounts. As your relationship with Citizens grows, you get more benefits, rewards, and personalized advice. No additional enrollment is needed. To learn more about these benefits visit citizensbank.com/features/citizensplus.
© Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC
† For additional information, please click the † symbols throughout this page to view our checking disclosures.
*Please be aware that securities, insurance products, and investment advisory services offered by Citizens Securities, Inc. and Clarfeld Financial Advisors, LLC (both affiliates of Citizens Bank, N.A.) are different from those offered by the bank and are subject to investment risk, including possible loss of principal.
1 Annual Fee per Account. No additional fee for Authorized User(s). $200 Fee Waiver ($95 Annual Fee) for customers that maintain a Citizens Quest Checking Account relationship. $295 Fee Waiver ($0 Annual Fee) for customers that maintain a Private Bank and/or Private Client Checking Account relationship. Cardholder must have stated Citizens Account relationship at Credit Card Account Opening and at each subsequent Account anniversary date in order for the waiver to apply. Otherwise, the full Annual Fee will be charged to the Account. Account relationship will be assessed periodically. The Annual Fee for new credit card customers is charged on the second statement cycle, and each subsequent Annual Fee will be charged on the card's anniversary date. The Annual Fee for existing Citizens cardholders is charged on the card's anniversary date.
The Citizens Summit Reserve World Elite Mastercard Reward Program: You will earn 3% Rewards Points for every dollar you spend on eligible purchases made in the restaurant, grocery store (excluding Walmart® and select superstores), and entertainment (including streaming services) merchant categories with your Citizens Summit Reserve® World Elite Mastercard®. You will earn 1.5% Reward Points for every dollar you spend on all other eligible net purchases with no limits, as long as your account is in good standing. A Card account is in good standing if your Card is open and has charging privileges. Purchases are submitted and categorized by the merchant. Merchants are assigned a merchant code, which is determined by the merchant, or its processor based on the products and services they primarily sell. Citizens does not choose the merchant code or control how purchases are classified. A purchase will not receive the additional Reward Points if the merchant's code is not eligible. This Rewards Program is governed by the terms and conditions set forth in the Reward Guide. You will receive the Reward Guide when your account is opened. The Reward Guide will explain the program, including the following: A) Earn cash back rewards on all eligible net purchases. A net purchase is the amount of a purchase less any credits, returns and adjustments. Certain transactions do not qualify for cash back rewards. For example, balance transfers, cash advances, account fees or charges, interest charges, life insurance charges, money orders, wire transfers, lottery tickets, gambling charges, or unauthorized charges to your account do not earn cash back rewards. Please refer to your Reward Guide for complete program terms and conditions. B) Cash Back Rewards will not expire as long as your credit card account is in good standing, and you make an eligible purchase once every twelve (12) months. C) Program subject to change. D) You are solely responsible for any taxes that may be owed as a result of cash back rewards earned and/or redeemed under this card. Please consult your tax advisor. E) Other terms may apply and will be included in the Agreement.
As of 10/1/2025. Features and rules subject to change without notice. Restrictions may apply. See website for terms and additional information.
2 Rates accurate as of #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=dropdown|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.
Credit cards are issued by Citizens Bank, N.A. pursuant to license by Mastercard International Incorporated.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
Banking products are offered through Citizens Bank, N.A. ("CBNA"). For deposit products, Member FDIC.
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.
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
