Managing your checking account doesn't have to be complicated. The following sections cover the basics of how your account works so you can take control of your money and avoid unexpected overdrafts and fees.

Overdraft Choices

Helpful tips to manage your accounts wisely

Fast Balance®

Securely check balances with Fast Balance® from most mobile devices. Once you activate Fast Balance from within the app, simply tap and hold from the app home screen to see your balances.

Balance alerts

Set up Online Banking email or text alerts to let you know if your balance gets too low and to monitor specific transactions.

Track your balance

Know your balance before making withdrawals, purchases or payments. Log in to Online Banking or Mobile Banking daily for your Available Balance and account activity. Remember to consider any outstanding checks or scheduled payments that have not yet been made.

Direct deposit

Have your paycheck automatically deposited into your account to be sure your money is there when you need it. It's faster than waiting for a check to clear and saves a trip to the bank.

Use your debit card instead of checks or cash

Keep track of your activity. Each purchase is automatically recorded in your Online Banking account and includes details like merchant name, location and amount of purchase. And remember, purchases made with your debit card are immediately removed from your Available Balance.

Set up Online Bill Payments and Payment Reminders

Use Online Bill Pay to ensure bills get paid on time and when you know you'll have enough money in your account. Sign up for Payment Reminder alerts in Online Banking to help ensure that you will never have another late or missed payment.

Keep a register

Record all withdrawals and deposits. Don't wait for your monthly statement to arrive before checking the activity in your account. This is particularly useful if you don't have regular access to Online Banking or Mobile Banking.

Visit MoneyHelpSM for budgeting tips

Use the Budget Planner to find out where your money is going every month. Pay your bills and manage your spending while growing your savings.

© Copyright 2018 Citizens Financial Group, Inc. All rights reserved.

Citizens Bank is a brand name of Citizens Bank, N.A. (NMLS ID# 433960) and Citizens Bank of Pennsylvania (NMLS ID# 522615).
Citizens Bank corporate headquarters: One Citizens Plaza, Providence, RI 02903

Member FDIC

Citizens Bank is a brand name of Citizens Bank, N.A. (NMLS ID# 433960) and Citizens Bank of Pennsylvania (NMLS ID# 522615). Citizens Bank, N.A. and Citizens Bank of Pennsylvania are affiliates. Deposit accounts held at Citizens Bank, N.A. and Citizens Bank of Pennsylvania are separately insured.