Banking products are offered through Citizens Bank, N.A. ("CBNA"). For deposit products, Member FDIC.
Citizens Paid Early®: If you are a Citizens Personal Checking, Savings or Money Market account customer that has set up a direct deposit with a payor, you may be able to get that direct deposit up to two days early with Citizens Paid Early®. Whether a direct deposit is eligible for Paid Early is at our discretion and we cannot guarantee that you will always receive the Paid Early service.
Citizens Zero Liability policy covers U.S.-issued cards only. Does not apply to ATM transactions, PIN transactions not processed by Mastercard, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on factors such as gross negligence or fraud, delay in reporting authorized use, investigation and verification of claim and account standing and history. Cardholder must notify Citizens immediately of any unauthorized use. Transaction at issue must be posted to your account before provisional credit may be issued. For additional information, please visit our Citizens Zero Liability page.
Mobile Deposit account eligibility requirements, deposit limits and other restrictions may apply. Data use fees may apply.
Non-Citizens ATM owners may charge a fee. Fees charged by Non-Citizens ATM owners will be rebated for Citizens Private Client® and Citizens Private Bank® accounts.
Student Checking Account: at least one account holder must be under 25 years old. Student checking account will switch to One Deposit Checking from Citizens™ when all account owners are age 25 or older.
Zelle®: U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees. Data charges may apply.
Mobile Banking: Wireless carrier, text and/or data charges may apply.
Better Deposit Rates. CitizensPlus® deposit rate benefits are compared to One Deposit Savings and exclude certificate of deposit (CD) rates. Citizens Quest® and Citizens Private Client® deposit rate benefits through the CitizensPlus® program do not apply to other promotional rate offers and only apply to Citizens Quest® and Citizens Private Client® Savings and Money Market accounts.
CitizensPlus® benefits cannot be applied in addition to other promotional benefits or discounts that we may offer from time to time. In order to qualify or maintain CitizensPlus®, you must maintain an open and active Citizens Quest® or Citizens Private Client® Checking account. We may evaluate accounts periodically to determine qualifications and have the right to remove benefits based on failure to meet qualifications. Benefits subject to change.
Citizens EverValue Checking® accounts do not come with standard overdraft coverage. So, if you don't have sufficient available funds in your account to cover a transaction, it will be declined and, in the case of checks, bill payments and ACH transactions, the item will be returned unpaid. Overdraft Fees do not apply to Citizens EverValue Checking® accounts. While this account is designed to prevent overdrafts, there may be times when your account could have a negative balance. This could happen if a purchase you make is approved for one amount, but the final charge is more than your available balance. If a transaction results in a negative balance on your account, we will not charge you an Overdraft Fee. $5 Overdraft Pass® does not apply and Citizens EverValue Checking® accounts are not eligible for Debit Card Overdraft Coverage enrollment. Citizens offers two overdraft plans Savings Overdraft Transfer Plan and Overdraft Line of Credit. There is no fee for Savings Overdraft Transfer Plan. The transfer fee per day and the annual fee on an Overdraft Line of Credit is waived for Citizens EverValue Checking® customers. The Annual Percentage Rate (APR) for an Overdraft Line of Credit is 21% on all outstanding loan balances. Credit approval is required.
Student Checking account does not come with standard overdraft coverage. So, if you don't have sufficient available funds in your account to cover a transaction, it will be declined and, in the case of checks, bill payments and ACH transactions, the item will be returned unpaid. Overdraft fees do not apply to Student Checking accounts. While Student Checking is designed to prevent overdrafts, there may be times when your account could have a negative balance. This could happen if a purchase you make is approved for one amount, but the final charge is more than your available balance. If a transaction results in a negative balance on your account, we will not charge you an Overdraft Fee. $5 Overdraft Pass® does not apply and student checking accounts are not eligible for Debit Card Overdraft Coverage enrollment. Citizens offers two overdraft plans- Savings Overdraft Transfer Plan and Overdraft Line of Credit. There is no fee for Savings Overdraft Transfer Plan. The transfer fee per day and the annual fee on an Overdraft Line of Credit is waived for Student Checking customers. The Annual Percentage Rate (APR) for an Overdraft Line of Credit is 21% on all outstanding loan balances. Credit approval is required.
Citizens Peace of Mind®: Citizens Peace of Mind® provides additional time to bring your account to a positive available balance and reverse Overdraft Fees. If your account is overdrawn, you have up until 10:00 PM ET the following business day (e.g., if your account is overdrawn at the end of the day Monday, you have until 10:00 PM ET Tuesday) to deposit enough funds to cover all of the overdraft items (minus the fees), and any additional transactions that post to the account that day. If the available balance, excluding the overdraft fees, is positive (greater than or equal to $0) at the end of the following business day, any overdraft fees will be reversed. When determining the amount you need to deposit to take advantage of Citizens Peace of Mind®, you can check your balance in the Citizens mobile app or Online Banking and then consider transactions that may post to your account that day - such as checks or other debits. As we do not see these transactions until they are presented for payments, only you know what transactions may post to your account and how much you need to deposit. A deposit that only partially covers transactions or overdraft items will not result in a fee reversal. All deposits are subject to our Funds Availability schedule. This schedule helps you determine when a deposit you make will increase your available balance. For example, some deposits types such as checks drawn on a bank other than Citizens, even if made by 10:00 PM ET the next business day, are not available to cover transactions that day. But a deposit of cash, a Citizens check, or an electronic funds transfer will generally be available to cover the transactions. For information on our Funds Availability Policy, please visit citizensbank.com/overdraft or see your Personal Deposit Account Agreement. Citizens Peace of Mind is available on personal checking accounts. If your account has a linked overdraft transfer plan, these plan transfers will apply before Peace of Mind. Any applicable plan transfer fees are not eligible for Peace of Mind rebates.
IMPORTANT DETAILS ON OVERDRAFT COVERAGE: When we pay a transaction that overdraws your account, we will charge you an Overdraft Fee of $35 per item paid. When we return a check or ACH transaction unpaid because your account had insufficient funds, we will not charge you a fee. We will limit to 5 the number of Overdraft Fees charged on any one business day, up to a total of $175. Once you have overdrawn your account, you must bring it to a positive balance as soon as possible. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing or if the overdraft amount is excessive.
Citizens Peace of Mind® Alerts: Citizens is only able to contact you via text message or email if we have your up-to-date contact information on file and you have not opted out of receiving communications from us.
Overdraft Line of Credit: Credit approval required. The $30 Annual Fee and $12 transfer fee is waived for Student Checking, Citizens EverValue Checking®, Citizens Quest® Checking, Citizens Private Client® Checking and Citizens Private Bank® Checking accounts. The Annual Percentage Rate (APR) for an Overdraft Line of Credit is 21% on the outstanding loan balance.
$5 Overdraft Pass®. No Overdraft Fee will be charged on any overdraft item of $5 or less, including ATM and debit card overdrafts if you are enrolled in Debit Card Overdraft Coverage, or when your account is overdrawn and the total overdrawn amount at the end of the same business day is $5 or less.
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