Choose the right account(s) for you.
Citizens Private Client® Checking and Savings
An exclusive account which combines banking benefits with a dedicated relationship manager who can provide assistance with integrated banking, investing* and lending.
Citizens Quest® Checking and Savings
An enhanced banking experience with additional features and benefits
One Deposit Checking and Savings from Citizens
Everyday banking that keeps your accounts simple and secure with no hassle
Student Checking and One Deposit Savings from Citizens®
If you're under 25 and ready to start your financial journey, take the first step with Citizens. No student ID required†
Citizens EverValue Checking® and One Deposit Savings from Citizens®
Everyday value, no overdraft fees2
Once you have selected which account(s) is right for you and you are ready to open an account(s), visit citizensbank.com/startchecking and enter the individual offer code found on the mail you received.
Checking Account FAQs
Once you have selected which account is right for you and you are ready to open your account, simply click the "Open Account" button above, located under the account you wish to open, and enter the individual offer code found on the direct mail you received.
Knowing how much money is available in your account is critical to avoiding overdraft situations. Citizens gives you tools that make it easy, such as Online and Mobile Banking† and account alerts. Learn how to manage overdrafts and avoid fees by viewing our Overdraft Choices.
There are two options for setting up direct deposit online or with a direct deposit form from your employer. You will need to provide the following:
- Our bank routing number. This nine-digit number is found on the bottom left of your checks.
- Your checking account number. It can be found on the bottom of the check directly to the right of the routing number.
- A voided check. This will allow the employer to verify the above information. Write “VOID” in large letters in ink across the check, covering most lines so that nothing else can be written in on the check.
- Your branch address. You can find this information online, but you could also call a representative.
More information on direct deposit - No checks? No problem you can find your routing number online.
Still have questions? More information on routing numbers.
Go into your nearest branch or call 1-877-360-2472
Simply call us at 1-800-922-9999, visit any Citizens branch, or use the Change of Address feature of Online Banking.
Savings account FAQs
Savings accounts are a great solution for customers with a specific need or goal even if they also have a Money Market or CD. They allow customers to designate funds in individual accounts for a specific goal separate from their checking account. Common goals include; an emergency fund for unexpected expenses, vacation savings, holiday savings, home improvements, taxes, and saving for a new car among others.
Read more about savings accounts and how they work.
Once you have selected which account is right for you and you are ready to open your account, simply click the "Open Account" button above, located under the account you wish to open, and enter the individual offer code found on the direct mail you received.
You may open a Citizens savings account with any amount. Take advantage of all the seamless tools and benefits to help maintain your financial goals and balances.
Annual Percentage Yield (APY) expresses an annual rate of return taking into account the effect of interest compounding.
Citizens does not limit transactions, including withdrawals, on savings accounts. Please refer to the Fees and Features Guide for additional information.
- All you need to get started is an eligible Citizens Personal Savings or Money Market Account. If you want to take advantage of Round Ups3, you will also need an eligible Citizens Personal Checking Account.
- Download the Citizens Mobile Banking App† and register for mobile banking
- Select the "Financial Wellbeing" section in the app's menu and create a goal
Discover more benefits of Citizens Savings Tracker®.
© Citizens Financial Group, Inc. All rights reserved. Citizens Bank, N.A. Member FDIC
† For additional information, please click the † symbols throughout this page to view our checking disclosures.
1 Bonus: To earn a Checking bonus, open your first new personal checking account between 1/22/26 and 3/19/26 and have at least one single or multiple direct deposits totaling the required amount post into your new checking account within 60 days of account opening. One Deposit Checking from Citizens®, Citizens EverValue Checking®, Student Checking or Personal Checking with Interest account will require at least a total of $1,000 in direct deposit(s) to earn $300. Citizens Quest® Checking account will require at least a total of $5,000 in direct deposit(s) to earn $500. Citizens Private Client® Checking account will require at least a total of $10,000 in direct deposit(s) to earn $1,000. To earn a $300 Savings bonus, open your first new personal savings account on the same date as the above new checking account (direct deposit not required) and have at least one single or multiple deposits totaling $500 or more post into your new savings account every month for 3 consecutive months, starting with the month the new account(s) are opened or starting the month after the new account(s) are opened. The new savings account must have a balance of $1,500 or more by the end of the third consecutive month. To earn the total bonus up to $1,300, you must qualify for one of the Checking bonuses plus the Savings bonus noted above. Eligibility: Primary signer may not be or have been a signer on any other Citizens personal checking or savings account within the previous six months. New account(s) must have a balance greater than zero and remain open and active through the payout date. 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®. Offer code is valid for one-time use only and must be entered in the offer code field in the account opening application to ensure timely and accurate bonus fulfillment. Customer is eligible for a one-time bonus for this promotion. Retain this screen for your records. Offers may be withdrawn without notice and cannot be combined with any other checking offer. Offer eligibility is determined at Citizens’ sole discretion. Citizens Private Bank® Checking and Citizens Private Bank® Savings accounts are not eligible for this promotion. Payout: The bonus, labeled as “Balance Builder Bonus”, will be deposited to the new checking account by the payout date and will be reported to the IRS for income tax purposes. If your new checking account is closed prior to payout date, then your new savings account will also no longer be eligible for this offer. Reference table below for key dates.
| Account(s) opened on the same day in the month of: | Direct deposit into first new personal checking account: | Monthly deposits totaling $500 or more into first new personal savings account for three months in a row AND $1,500 balance required as of: | Bonus will be paid to first new personal checking account by end of day: |
|---|---|---|---|
| January 2026 | Within 60 days of account open date | Deposit Months: January, February, March Balance required as of: March 31, 2026 OR Deposit Months: February, March, April Balance required as of: April 30, 2026 |
May 31, 2026 |
| February 2026 | Within 60 days of account open date | Deposit Months: February, March, April Balance required as of: April 30, 2026 OR Deposit Months: March, April, May Balance required as of: May 31, 2026 |
June 30, 2026 |
| March 2026 | Within 60 days of account open date | Deposit Months: March, April, May Balance required as of: May 31, 2026 OR Deposit Months: April, May, June Balance required as of: June 30, 2026 |
July 31, 2026 |
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+. Variable-rate 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. Variable-rate Annual Percentage Yield (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+. Variable-rate 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 or older or if you maintain a $200 minimum daily balance. Variable-rate Annual Percentage Yield (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. To review the current rate for your account, visit citizensbank.com.
2 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.
3 Subject to available funds. Additional amount of transfer determined by customer.
Banking products are offered through Citizens Bank, N.A. ("CBNA"). For deposit products, Member FDIC.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.
* Securities, Insurance Products and Investment Advisory Services offered through Citizens Wealth Management.
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.
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