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Student Checking

Call 1-877-360-2472

Pulling an all-nighter is tough. Banking doesn't have to be.

Balance & Fees

Any Amount

Open your account with any amount. Seriously.

$0

Monthly maintenance fee when you're under age 25. After 25, just $3.99 a month1.

No Minimum

Don’t worry about a minimum balance requirement (because there isn’t one).

Want to Learn More? Download our Account Guide.

Features & Benefits

Branches
and ATMs

Visit 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®2 or checks

Overdraft Solutions

Protect yourself with Overdraft Choices® including $5 Overdraft Pass®

Safety and
Security

Bank securely with 24/7 fraud monitoring and Zero Liability protection3

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

Note: You must be a U.S. citizen or resident alien age 18 or older. Not a U.S. Citizen or under 18? Visit us in-branch.

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

Student Checking FAQs

  • What do I need to open an account?
    To open a Student Checking account, you need to be under age 25.
    • To open an individual account online, you need to be 18 years of age or older.
    • If you’re age 17 and want to open an individual account, you will need to visit one of our branches. Or, if you’re 17 and want to apply online, you must apply with a joint account holder, such as parent or legal guardian who will be the primary account holder.
    • If you’re age 16, you can open a joint account with a parent or a legal guardian at one of our branches.
  • Is there a monthly maintenance fee for student checking?
    Individuals under age 25 are eligible for a waiver of the $3.99 monthly maintenance fee on their Student Checking account. After that time, you may consider other checking account options that can help you waive the fee.
  • How can I avoid overdrafting my account?
    Knowing how much money is available in your account is critical to avoiding overdraft situations. Citizens gives you tools that make it easy, such as Online and Mobile Banking, and account alerts. Learn how to manage overdrafts and avoid fees by viewing our Overdraft Choices.
  • How do I use Zelle®?
    Zelle® is a fast and easy way to send and request money directly from almost anyone in the U.S. You can typically send money within minutes using Online and Mobile Banking. Learn more about Zelle®.
  • What do I need to open an account?
    To open a Student Checking account, you need to be under age 25.
    • To open an individual account online, you need to be 18 years of age or older.
    • If you’re age 17 and want to open an individual account, you will need to visit one of our branches. Or, if you’re 17 and want to apply online, you must apply with a joint account holder, such as parent or legal guardian who will be the primary account holder.
    • If you’re age 16, you can open a joint account with a parent or a legal guardian at one of our branches.
  • Is there a monthly maintenance fee for student checking?
    Individuals under age 25 are eligible for a waiver of the $3.99 monthly maintenance fee on their Student Checking account. After that time, you may consider other checking account options that can help you waive the fee.
  • How can I avoid overdrafting my account?
    Knowing how much money is available in your account is critical to avoiding overdraft situations. Citizens gives you tools that make it easy, such as Online and Mobile Banking, and account alerts. Learn how to manage overdrafts and avoid fees by viewing our Overdraft Choices.
  • How do I use Zelle®?
    Zelle® is a fast and easy way to send and request money directly from almost anyone in the U.S. You can typically send money within minutes using Online and Mobile Banking. Learn more about Zelle®.

Goal Track Savings®

We help you save for what matters most to you. It’s easy to create a plan, track your progress and get rewarded when you reach your goal.

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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