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One Deposit Checking from Citizens®

Bank on the go with our #1 checking account. Featuring no minimum balance and an easy-to-waive monthly fee.

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

Why choose One Deposit Checking?

Our most popular checking account offers no minimum balance and an easy-to-waive $9.99 monthly maintenance fee requiring just one deposit per statement period.

Features

  • No minimum balance and an easy-to-waive monthly maintenance fee
  • Discounts on select loans with automatic payment
  • Extra time to cover overdrafts†

Convenience

  • Get paid up to 2 days earlier with direct deposit†
  • Mobile check deposit† and bill pay†
  • Zelle®† for fast money transfers with friends and family

Protection

  • 24/7 fraud monitoring and alerts
  • Zero liability for unauthorized debit purchases†
  • Freeze or unfreeze your debit card from the app†

Open your account today

One Deposit Checking from Citizens®

A simple solution for everyday banking.

Manage your money anywhere with our most popular checking account. Featuring no minimum balance and a monthly maintenance fee that's easy to waive, plus easy ways to pay.

  • Tap to pay with your contactless debit card
  • Pay with your phone using digital wallet
  • Send and receive money with Zelle®†
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Bundle Checking + Savings

One Deposit Savings from Citizens®

Waive the $4.99 monthly maintenance fee by making one deposit of any amount each month into the savings account†

  • Save spare change by rounding up debit card purchases†
  • Automatically identify extra money for safe transfer to savings†
  • Open with any amount, no minimum balance required
Open both accounts

Looking for a more rewarding account?

Consider a Citizens Quest® Checking Account

Compared to One Deposit Checking

  • Grow your relationship with extra features and exclusive benefits with the CitizensPlus® loyalty program.†
  • Better rates on savings and money market accounts†
  • Priority service with dedicated support

Account Details

Open a Quest account

Citizens One Deposit Checking FAQs

Are you an existing customer with account questions or in need of support? Visit our customer service portal

© Citizens Financial Group, Inc. All rights reserved. Citizens Bank, N.A. Member FDIC

† For additional information, please click the † symbols throughout this page to view our checking disclosures and our savings disclosures.

1 Home Equity Line of Credit Auto-pay Discount: At the time of origination, having a Citizens consumer checking account set up with automatic payment deduction for monthly home equity line of credit payments is required at the time of loan origination to be eligible for the 0.25% rate discount.

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

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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.

Mortgages and Home Equity Lines of Credit are offered and originated by Citizens Bank, N.A., NMLS ID# 433960. All loans are subject to approval. Equal Housing Lender Logo Equal Housing Lender.

Banking products are offered through Citizens Bank, N.A. ("CBNA"). For deposit products, Member FDIC.