Get up to $3,000*

^* To earn your bonus: Get up to $3,000 ($1,200 checking and $1,800 savings) over twelve monthly qualification periods. To qualify for this promotion, customers must open both a first new eligible checking account and a new eligible savings account on the same day between October 1 and November 15, 2026, and satisfy the applicable checking and savings bonus requirements. To earn the checking bonus, 1.) Open a first new One Deposit Checking from Citizens®, Citizens EverValue Checking®, Citizens Quest® Checking, Student Checking, or Citizens Private Client® Checking account and a new eligible consumer savings account on the same day between October 1 and November 15, 2026. 2.) During each applicable calendar month, have one or more direct deposits totaling $1,000 or more post and clear into the first new checking account and make qualifying fuel purchases as stated below. 3.) Get up to $50 per month and $600 total for One Deposit Checking, Citizens EverValue Checking® and Student Checking or up to $100 per month and $1,200 total for Citizens Quest Checking or Citizens Private Client Checking. Make one or more qualifying fuel purchases using the Citizens debit card associated with that first new account. The monthly bonus equals the total amount spent on qualifying fuel purchases that post and clear the account during that month, calculated on a cent-by-cent basis, up to the applicable monthly maximum. Each month is reviewed separately for monthly bonus qualification eligibility. If you do not meet both checking requirements in one month, you will not earn a bonus for that month, but you are still eligible to requalify again in later months if you accomplish the required qualifying criteria. The maximum checking bonus is $1,200. To earn the savings bonus 1.) Open a new One Deposit Savings, Citizens Quest® Savings, or Citizens Private Client® Savings account and a first new eligible checking account on the same day between October 1 and November 15, 2026. 2.) Make one single deposit totaling at least $15,000 in new money into the new savings account no later than 10 business days after account opening from an external funding source. For each calendar month, earn $50 if the new savings account's end-of-day daily balance is $15,000 through $39,999.99, or $150 if that balance is $40,000 or more. The maximum savings bonus is $1,800. The tier is determined separately each month, so you may move between tiers. A new savings account balance below $15,000 earns no bonus for that month but does not prevent qualification in a later month when an eligible balance is restored.

Eligibility: Checking and savings accounts must continuously stay open and in good standing throughout the offer period to be considered for a bonus. Ongoing eligibility for the checking bonus and savings bonus is determined separately. A customer who does not meet the requirements for one bonus may still earn the other bonus if all applicable requirements for that bonus are satisfied. New account(s) must have a balance greater than zero and remain open and active throughout the payout date. Any account that remains at zero balance may be closed if it is not funded. Each customer may participate in the consumer offer once. If multiple new savings accounts are opened on the same day, only the first savings account to satisfy the qualifying requirements will be eligible to receive the bonus. Qualifying fuel purchases are debit card purchase transactions at merchants classified under merchant category code 5541 or 5542. Merchants and payment processors, not Citizens, assign merchant category codes based on their typical products and services. Eligibility depends on the code submitted with the transaction, not the item purchased; therefore, a nonfuel purchase at an eligible merchant may qualify, while a fuel purchase submitted under a different code determined by a gas merchant may not qualify. Examples of merchants that may use these merchant category codes include, but are not limited to, Shell, Wawa, Speedway, ExxonMobil, Cumberland Farms, and BP. Direct deposit is recurring income electronically deposited into your Citizens checking account and may include salary, pension, or other regular income. Electronically deposited funds originating from peer-to-peer money transfer applications, including Zelle®, Cash App®, Venmo®, or PayPal®, are not eligible for direct deposit. Current and prior Citizens savings account ownership is permitted. New money means external funds not currently on deposit with Citizens or Citizens Access®. Qualifying deposit amounts are based on one single deposit deposited within 10 business days of new savings account opening from an external funding source. The primary signer may not be or have been a signer on any other Citizens personal checking accounts within the previous 6 months. The primary owner may receive up to twelve bonuses per eligible Citizens checking account and up to twelve bonuses per eligible Citizens savings account under this offer. This offer may not be combined with another checking or savings offer, as applicable. Offer eligibility is determined at Citizens’ sole discretion. Right to Terminate: Citizens may modify, suspend, or terminate this offer at any time. Disqualification: Reward will be denied or forfeited if: (1) the new money requirement is not met or maintained, as defined above. Citizens Private Bank® Checking, Citizens Private Bank® Savings, and Citizens Access® Online Savings accounts are not eligible.

Payout: Each earned checking or savings bonus, labeled "Promo Bonus," will be deposited into the applicable new checking or savings account on the last day of the month following the month in which all applicable checking or savings requirements are met. Bonuses may be reported to the IRS for income tax purposes. The applicable new account must remain open through its payment date; if it is closed earlier, the related bonus will not be paid. Please refer to the payout timing section below.

Payout Table:

Payout Timing Examples:

We have multiple consumer checking and savings options. Citizens Private Client® Checking and Savings: The minimum opening balance of any amount. Must maintain $200,000 combined Deposit and Investment** balances to be eligible for Citizens Private Client Checking. If the required balance is not met, any Citizens Private Client Banking accounts will be converted to Citizens Quest accounts and will be subject to the terms and conditions then in effect for Citizens Quest. Variable-rate Annual Percentage Yield (APY) for Citizens Private Client Checking varies by tier. For example, as of #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=currentDate#, APY by tier for Citizens Private Client Checking is: 0.03% for tiers below $10,000, $10,000+, $25,000+, $50,000+, $100,000+, $250,000+, $500,000+,$1,000,000+ and $3,000,000+. APY for Citizens Private Client Savings varies by tier. For example, as of #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=currentDate#, APY by tier for Citizens Private Client Savings is: 0.03% for tiers below $10,000, $10,000+, $25,000+, $50,000+, $100,000+, $250,000+, $500,000+, $1,000,000+ and $3,000,000+. Citizens Quest® Checking and Savings: The minimum opening balance can be of any amount. APY for Citizens Quest Checking varies by tier. For example, as of #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=currentDate#, APY by tier for Citizens Quest Checking is: 0.02% for tiers below $2,500, $2,500+, $10,000+, $25,000+, $50,000+, $75,000+, $250,000+, $1,000,000+ and $3,000,000+. APY for Citizens Quest Savings varies by tier. For example, as of #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=currentDate#, APY by tier for Citizens Quest Savings is: 0.02% for tiers below $2,500, $2,500+, $10,000+, $25,000+, $50,000+, $75,000+, $250,000+,$1,000,000+ and $3,000,000+. You must make $5,000 in total deposits to your primary checking each statement period OR maintain a $25,000 monthly combined deposit and investment** balance across your linked accounts to waive the Citizens Quest Checking $25 monthly maintenance fee. One Deposit Checking and Savings from Citizens®: Minimum opening balance of any amount. Make one deposit of ANY amount per statement period to waive the One Deposit Checking $9.99 monthly maintenance fee. Make one deposit of any amount per statement period to waive the One Deposit Savings $4.99 monthly maintenance fee. No monthly maintenance fee on the One Deposit Savings while you’re under 25 or 65 and older or if you maintain a $200 minimum daily balance. APY for One Deposit Savings varies by tier. For example, as of #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=currentDate# APY by tier for One Deposit Savings is:0.01% for tiers below $1,000, $1,000+, $2,500+, $10,000+, $25,000+, $50,000+, $75,000+, $250,000+, $1,000,000+. For deposits accounts fees may reduce earnings. Rates subject to change before or after account opening.

** Securities, Insurance Products and Investment Advisory Services offered through Citizens Wealth Management.

¹ Citizens Zero Liability disclosure: The Citizens Zero Liability coverage protects you from being held responsible for unauthorized transactions on your Citizens debit card when reported promptly. Claims of unauthorized use are subject to verification and investigation. For more information, please visit our Zero Liability page at citizensbank.com/zeroliability.

² 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.

³ Wireless carrier, text and/or data charges may apply.

⁴ 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.

⁵ IMPORTANT DETAILS ON OVERDRAFT COVERAGE: When we pay a transaction that overdraws your checking 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.

⁶ FOR ONE DEPOSIT SAVINGS ONLY: You may also make one deposit of any amount per statement period or maintain a $200 minimum daily balance to waive the monthly maintenance fee. No monthly maintenance fee while you're under 25 or 65 or older. Account will automatically receive a waiver on the first 4 monthly maintenance fees.

⁷ Citizens Private Client® Checking requires a $200,000 monthly combined deposit and investment balance across your linked accounts. Your relationship will be periodically reviewed for the purpose of determining Private Client Checking eligibility. If you do not maintain the required monthly combined balances, your Citizens Private Client accounts will be converted to our Citizens Quest® accounts and will be subject to the terms and conditions then in effect for Citizens Quest.

⁸ 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.

⁹ Student Checking: At least one account holder must be under 25 years old. Account will switch to One Deposit Checking from Citizens® when all account owners are age 25 or older.

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Citizens Wealth Management (in certain instances d/b/a Citizens Private Wealth) is a division of Citizens Bank, N.A. ("Citizens"). Securities, insurance, brokerage services, and investment advisory services are offered by Citizens Securities, Inc. ("CSI"), a registered broker-dealer (Branch address: One Citizens Bank Way, Johnston RI 02919) and SEC registered investment adviser - Member FINRA/SIPC. Investment advisory services are also offered by Citizens Private Wealth, LLC ("CPW"), an SEC-registered investment adviser (see Form ADV Part 2A for details). CSI and CPW are affiliates of Citizens. Banking products and trust services are offered by Citizens. For deposit products, Member FDIC.

SECURITIES, INVESTMENTS AND INSURANCE PRODUCTS ARE SUBJECT TO RISK, INCLUDING PRINCIPAL AMOUNT INVESTED, AND ARE:
· NOT FDIC INSURED · NOT BANK GUARANTEED · NOT A DEPOSIT · NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY · MAY LOSE VALUE