Checking Account FAQ

Get answers to your checking account questions from Citizens Bank

Review these frequently asked checking account questions by Citizens Bank customers to find the answers you need. Whether you’re wondering how to open a checking account or if online banking is safe, we have the answers for you. Still have questions about checking accounts? Visit your nearest Citizens Bank branch, or, after hours, please call our customer service center at 1-877-360-2472.

Account Information

Online Banking & Bill Pay

Account Information

What is a checking account?

A checking account is a service that allows you to deposit and withdraw money via a secure, protected account. While the types of checking accounts vary by bank, an account holder typically distributes the funds in their account by check, debit card or online transfer.

How do I open a checking account?

For your convenience, you can apply for many Citizens Bank personal and business products right online, including checking accounts. You'll find information about how to open a checking account on individual product pages. If you prefer, you can also open an account by calling the Citizens Bank 24-hour PhoneBank at 1-888-910-4100 or by visiting any Citizens Bank branch.

How do I transfer funds?

The fastest way to transfer funds either between your checking and savings accounts or to any other account at our bank is through Online Banking. You may also make transfers between your accounts any time at an ATM or by phone at 1-888-910-4100.

What the Citizens Bank hours at my local branch?

Our online Branch/ATM Locator will provide you with the Citizens Bank hours of operation, address information, and the phone number for the branches closest to you.

How do I update my name and address in your system?

Simply call us at 1-888-910-4100, visit any Citizens Bank branch, or make a request through the Online Banking message center.

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Online Banking & Bill Pay

How can I sign up?

If you have an ATM/debit card, you can sign up for Citizens Bank Online Banking right now. You'll be asked to supply your card number and PIN, along with a Citizens Bank account number. If you do not have an ATM or debit card call us toll free at 1-800-656-6561 (for business customers, 1-877-229-6428) to sign up.

When can I start using Online Banking?

You can begin using Online Banking immediately after signing up!

What kind of transactions can I perform using Online Banking?

You can review account history and current transactions, transfer funds between accounts, place stop payments, request copies of statements, send customer service requests via secured Email, pay bills, view images of cleared checks, access your checking and savings account statements online, and much more.

Retail online banking users have access to deposit accounts, loans, and lines of credit. Business users can access deposit accounts and overdraft lines of credit. They can also request that other business or personal accounts on which they have an eligible account ownership be linked to their online profile.

What are automatic payments?

Automatic payments provide a means for automatically scheduling payments in Pay Bills based on the options you select. You can set up two different types of automatic payments.

  • Automatic Payments for Electronic Bills - If you receive electronic bills, some billers let you set up options for paying them automatically. You can decide whether to always pay the amount due or to set a limit on the amount for automatically paying the bill. You can also decide whether to make the payment on the due date or on the earliest date available after you receive the bill.
  • Automatic Payment Schedules - You can set up a schedule to pay bills of a set amount automatically at regular intervals. For example, you can schedule a payment at the first of each month to pay your mortgage or rent. This type of automatic payment is always available to you, regardless of whether or not you receive electronic bills from the biller.

Who can I add as an online payee?

You can use Online Banking to safely pay almost anyone in the United States, including national bank card companies, mortgage or auto loan companies, department stores, your health club or the paperboy. Any company or individual you could send a check for payment to is eligible for payment through Online Bill Pay.

Please note that individuals or businesses residing outside the United States are not eligible for bill payment. In addition, using Online Bill Pay for tax payments or court-ordered payments is prohibited.

How long does it take to set up a new payee in the bill payment system?

Once you are signed up for Online Banking, you can set up a payee at any time. Setting up a new payee takes only a few clicks and payments to the new payee can be made immediately.

Is Online Banking safe? What systems are in place to ensure security?

All account information entered and displayed online is maintained on a secured database encrypted using Secure Socket Layer (SSL) technology. We also protect information stored in our database by hardened connections called Firewalls. Only those devices authorized to communicate with the database can make a connection to the database. Additionally we offer Safe With Citizens® to ensure our Online Banking is safe.

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