Let's explore your new account
Here are some features and benefits to help you get started.
Frequently Asked Questions
You can waive the $9.99 monthly maintenance fee when you make one deposit of any amount each statement period.
Your statement period date can be found in the mobile app or online banking. Select the account you want to view and then select Account Info (or Account details) to view your last statement date.
Mobile banking alerts are notifications sent via SMS, email, or app push notifications to help you monitor account activities. Alerts can notify you about transactions, low balances, deposits, and more, keeping you informed of your account status in real-time. To set up mobile banking alerts, log in to our mobile app2 or online banking portal and go to "Profile & Setting" and look for "Alert Preferences".
Mistakes happen - we know; we're people too! Citizens Peace of Mind®3 gives you additional time to fund your account and reverse overdraft fees4. This automatically applies to your account. You'll be notified via text and or email5 if you spend more than you have in your account.
If you suspect fraud on a debit transaction, you can now file a claim in the mobile app. Go to your transactions and choose one you suspect as fraud and begin the dispute process. You will be able to add additional transactions to the claim. For all other claims or if you prefer to file your claim by phone you can call 1(800)-922-9999 or the number found on the back of your debit card or monthly statement.
Never miss a due date! You can pay almost anyone in the United States with Bill Pay: national bank card companies, mortgage or auto loan companies, department stores, your health club, the paperboy. Any company or individual to whom you could send a check for payment is eligible for payment through Online Bill Payment.
If you opted for eStatements at account opening, easily view them in our app on your mobile device or from your desktop within Online Banking. You can also easily turn on eStatments at any time.
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*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 Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on factors such as gross negligence or fraud, delay in reporting authorized use, investigation and verification of claim and account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.
1Citizens 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.
2Wireless carrier, text and/or data charges may apply if you receive a text message.
3Citizens 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.
4IMPORTANT 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.
5Citizens 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.