Why choose Student Checking?
How to open a Student Checking account
To open an individual student checking account online you need to be 18 or older and a U.S. citizen or resident alien. Visit a Citizens branch to open an account if you're under 18 or are not a U.S. citizen.
Online
- No student ID required.
- Valid government issued photo ID required for all applicants. Additional documentation may be required.
- To open an account online you must be age 18 or older.
In Branch
- No student ID required.
- Valid government issued photo ID required for all applicants. Additional documentation may be required.
- Joint account with a parent or guardian 18+ is required for a student checking account opened with an owner 14-16 years old.
Savings made simple
Bundle Student Checking + One Deposit Savings from Citizens®
Open an account with any amount, no minimum balance required. Easily waive the $4.99 monthly fee by making a savings deposit of any amount per statement period.†
Safe and affordable
Student Checking meets BankOn National Account Standards as a low cost, low-fee account with no overdraft fees.
Are you an existing customer with account questions or in need of support? Visit our customer service portal
Citizens Student Checking FAQ
Monthly Maintenance Fee
No monthly maintenance fee for account owners under age 25. The account will convert to One Deposit Checking from Citizens® when all account owners are age 25 or older.
Overdraft Solutions
- Transactions will be declined if there are insufficient funds; checks, bill payments, and ACH transactions will be returned unpaid.
- No overdraft fee for transactions resulting in a negative balance.†
- No fee for linking a student checking account to a savings account or line of credit to cover transactions when funds are insufficient. Credit approval required; finance charges apply for the Overdraft Line of Credit.†
Waived Fees
- Citizens ATM Fees - No fee†
- Non-Citizens ATM Fees - No fee for transactions at other banks’ ATMs (ATM owner may charge you a fee)†
- Paper Statement - No fee for paper statements
Additional Product Information
Student Checking has no monthly maintenance fee for account owners under age 25. The account will convert to One Deposit Checking from Citizens® when all account owners are age 25 or older.
Convenience
- Purchases are automatically deducted from your primary checking account
- Add your debit card to the mobile app digital wallet for faster checkouts†
- No–fee balance inquiries, deposits and cash withdrawals, payments and transfers at any Citizens ATM†
- Get cash back using your PIN for purchases at participating retailers
Protection
© Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC
1 Apple App Store rating as of 3/04/2025 and subject to change before or after account opening. Ratings are out of 5 star total rating scale. Ratings are for informational purpose only. Apple App Store rating is for Citizens Bank Mobile Banking.
2 Google Play Store rating as of 3/04/2025 and subject to change before or after account opening. Ratings are out of 5 star total rating scale. Ratings are for informational purpose only. Google App Store rating is for Citizens Bank Mobile Banking.
3 Subject to available funds. Additional amount of transfer determined by customer.
4 Not available to new to bank checking customers. Smart Save requires checking account to have four or more months of activity. Subject to available funds.
† For additional information, please click the † symbols throughout this page to view our checking disclosures.
Apple Disclosure: Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Google Disclosure: Android and Google Play are trademarks of Google Inc.
Zelle® Disclosure: Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.