Get up to $500¹

* Please be aware that securities, insurance products, and investment advisory services offered by Citizens Securities, Inc. and Clarfeld Financial Advisors, LLC (both affiliates of Citizens Bank, N.A.) are different from those offered by the bank and are subject to investment risk, including possible loss of principal.

¹ To Earn Bonus: To earn a $300 Checking bonus, open your first new personal checking account between 12/1/25 and 12/6/25 and have at least one single direct deposit of $1,000 or multiple direct deposits totaling $1,000 or more post into your new checking account within 60 days of account opening. To earn up to $200, get paid $2 per qualified debit card purchase that post and clear your new checking account within 60 days of account opening.

Qualifications: Primary signer on the new checking account may not be or have been a signer on any Citizens personal checking account within the previous six months. Your new account must have a balance greater than zero and remain open and active through the payout date stated in the table below to qualify for this offer. Any account that remains at a zero balance may be closed if it is not funded. Direct deposit is recurring income electronically deposited into your Citizens checking account and may include salary, pension, and other regular income. Certain forms of electronically deposited funds may not be considered eligible direct deposits, including those originating from peer-to-peer money transfer applications such as Zelle®, CashApp®, Venmo® or PayPal®. Qualified debit card purchases include signature and PIN-based debit transactions in person directly at a merchant location or in app or online merchant sites. Qualified debit card purchases from all cards on the checking account count toward the bonus. Online Bill Payments through ACH using checking account and routing number, Zelle® transactions and ATM transactions do not qualify.

Eligibility: Customer must open their first new account via Citizens' online account opening system accessed by clicking on one of the links on this page. Customer should print this screen for their records. Customer will only be paid a one-time bonus for this program. Offers may be withdrawn without notice and cannot be combined with any other checking offer. Offer eligibility is determined at Citizens' sole discretion.

Payout: Bonus will be deposited to the new checking account by the date stated in the table below and will be labeled as “Balance Builder Bonus”. Bonus will be reported to the IRS for income tax purposes.

We have multiple checking options, for example if you open Citizens Quest® Checking the minimum opening balance can be of any amount. Variable-rate Annual Percentage Yield (APY) for Citizens Quest® Checking varies by tier. For example, as of 11/3/2025, 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+. Fees may reduce earnings. Rates subject to change before or after account opening. To review the current rate for your account, visit citizensbank.com. 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.

² 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.

³ Wireless carrier text and/or data rates may apply.

⁴ 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®. Investments are offered through Citizens Wealth Management.

⁵ Student Checking and 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. While these accounts are 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. For example, when you use your debit card at a restaurant and then add a tip, the final amount could result in a negative balance. If a transaction results in a negative balance on your account, we will not charge you an Overdraft Fee.

⁶ 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.

Banking products are offered through Citizens Bank, N.A.

Citizens Wealth Management (in certain instances DBA Citizens Private Wealth) is a division of Citizens Bank, N.A. ("Citizens"). Securities, insurance, brokerage services, and investment advisory services offered by Citizens Securities, Inc. ("CSI"), a registered broker-dealer and SEC registered investment adviser - Member FINRA/SIPC. Investment advisory services may also be offered by Clarfeld Financial Advisors, LLC ("CFA"), an SEC registered investment adviser, or by unaffiliated members of FINRA and SIPC providing brokerage and custody services to CFA clients (see Form ADV for details). Insurance products may also be offered by Estate Preservation Services, LLC ("EPS") or an unaffiliated party. CSI, CFA and EPS are affiliates of Citizens. Banking products and trust services offered by Citizens.