Choosing the right account for you is simple with Citizens
Now with Citizens Paid Early®, a new feature that lets you get paid sooner - up to 2 days early*.
One Deposit Checking
No minimum balance requirements
Make one deposit of ANY amount per statement period - and we'll waive the monthly maintenance fee
Monthly Maintenance Fee $9.99
One Deposit Checking + Savings
No minimum balance requirements
Savings earns interest1
Make at least one deposit of any amount each monthly maintenance fee period to waive the $4.99 fee2
Features and Benefits
Easy Ways to Pay
Use your contactless debit card, Digital Wallet, Zelle®3 or checks
Overdraft Solutions⁴
Take control of overdrafts with Overdraft Choices®, plus $5 Overdraft Pass®5 and Citizens Peace of Mind®6
Citizens Paid Early®
Get paid up to 2 days early when you have direct deposit.* No need to sign up and it's absolutely free. This new feature gives you earlier access to your cash, helps avoid the stress of overdrafts and provides a head start on paying bills.
It's being added to all Citizens personal checking, savings and money market accounts.
Citizens Peace of Mind®
Mistakes happen — we know; we're people too! So, we added Citizens Peace of Mind6 to your checking account to help you avoid the costs of unexpected overdrafts.
Citizens Peace of Mind gives you additional time to fund your account and reverse overdraft fees. It's free, and there's nothing you need to do to enroll!
Download our mobile app7
- Deposit checks and transfer funds
- Pay bills and add billers
- Easily freeze and unfreeze your debit card
Safe and secure
Make purchases safely and be on your way. Your account is protected by 24/7 monitoring with fraud alerts and Zero Liability coverage.8
Put your one deposit on auto pilot with direct deposit
You can set up direct deposit easily through the mobile app or online banking. Your employer may also provide a form for you to fill out, in which case you will need your checking account number and bank routing number, which can be found in the mobile app, via online banking, or at the bottom of a check.
More Things You Can Do
Compare checking accounts
Pay less on loans
Many of our loans, including student loans9, offer discounts if you make automatic payments from your checking account.
Download detailed account documents
Checking FAQs
With direct deposit, you can have your paycheck or Social Security check automatically deposited into your checking account each pay period, saving you a trip to the bank. And, because your funds are available on payday, you won't have to wait for checks to clear. It's the fastest, easy way to collect pay. Make one deposit of any amount per statement period and we'll waive the monthly maintenance fee.
The fastest way to transfer funds between your checking, savings, or loan accounts is with Online or Mobile Banking7. You may also make transfers between your accounts any time at an ATM or by phone at 1-800-922-9999.
We have partnered with Deluxe to provide safe and convenient options to order personal checks, Home Equity Line of Credit checks, or Personal Line of Credit checks.
Online Banking: Log In | Enroll
(order checks through the Account Details section, then under Account Options)
Online Through Deluxe: Order Checks
(order directly with Deluxe, our preferred check provider)
By Phone: 1-866-322-1350
In Person: Find A Branch
When you place your order using any of these convenient options, be sure to select your check style and confirm the following:
Name and Address
Routing Number
Account Number
Check Starting Number
Please note: If you would like to change a name or address on your checks, please visit a branch near you or call us at 1-800-922-9999 to complete your order. Your checks will be sent in a flat, streamlined package in a blue envelope.
A discussion with a Citizens Banker who will work with you to ensure you are made ready to address all of your financial priorities.
© 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 and our savings disclosures.
1 Home Equity Line of Credit Auto-pay Discount: At the time of origination, having a Citizens consumer checking account set up with automatic payment deduction for monthly home equity line of credit payments is required at the time of loan origination to be eligible for the 0.25% rate discount.
Citizens offers personal checking accounts in the following states: CT, DC, DE, FL, MD, MA, MI, NH, NJ, NY, OH, PA, RI, VT or VA
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Credit cards are issued by Citizens Bank, N.A. pursuant to license by Mastercard International Incorporated.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
Mortgages and Home Equity Lines of Credit are offered and originated by Citizens Bank, N.A., NMLS ID# 433960. All loans are subject to approval. 
Equal Housing Lender.
Banking products are offered through Citizens Bank, N.A. ("CBNA"). For deposit products, Member FDIC.