Get up to $400

¹ Bonus: To earn a $300 Checking bonus, open your first new personal checking account between 12/29/25 and 3/15/26 and have at least one single direct deposit of $500 or more post into your new checking account within 60 days of account opening. To earn a $100 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 $100 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 $300 or more by the end of the third consecutive month. To earn the total $400 bonus, you must qualify for both the Checking and Savings bonuses 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®. Customer must open their first new account(s) via Citizens’ online account opening system accessed by clicking on one of the links on this page. Customer is eligible for a one-time bonus for this promotion. Customer should print this screen for their 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 Offers may be withdrawn without notice and cannot be combined with any other checking offer.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.

We have multiple checking and savings options, for example if you open 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+. 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 FOR ONE DEPOSIT SAVINGS ONLY: You may also 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.

³ 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.

⁴ Citizens EverValue Checking® account does 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.

⁵ 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.

⁶ 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.

⁷ Wireless carrier, text and/or data charges may apply.

⁸ Please allow 72 hours after your accounts are opened to view the Promotion Status and refer to your promotional offer for the terms and conditions. Other offers that you may be participating in may not be shown in the promo tracker. This could potentially impact the payout amount for offers shown if offers cannot be combined

⁹ 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.

¹⁰ 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.

¹¹ 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. Savings account must have available balance to cover the overdraft to transfer.

¹² Citizens offers two overdraft plans- Savings Overdraft Transfer Plan and Overdraft Line of Credit. There is no fee for Savings Overdraft Transfer Plan. The $12 transfer fee per day for Overdraft Line of Credit Plan is waived for Student Checking, Citizens EverValue Checking™, Citizens Quest Checking, and Citizens Private Client® Checking. There is no transfer fee on any day in which all transfer are $5 or less- $5 Overdraft Pass®. The $30 Annual Fee on Overdraft Line of Credit is waived for Student Checking, Citizens EverValue Checking®, Citizens Quest Checking, and Citizens Private Client® Checking. The Annual Percentage Rate (APR) for an Overdraft Line of Credit is 21% on all outstanding loan balances. Credit approval is required.

Banking products are offered through Citizens Bank, N.A. ("CBNA"). For deposit products, Member FDIC.

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* 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