Citizens Student Checking
Now with Citizens Paid Early®, a new feature that lets you get paid sooner - up to 2 days early.†
One Deposit Savings from Citizens™
Earns Interest
View rates1
No monthly maintenance fee while you're under 25 or over 65
Student Checking & One Deposit Savings
The perfect match to your Student Checking account
Start your financial journey
Want to learn more? Download our account guide.
Features and benefits
Student Checking is Bank On Certified!
For meeting National Account Standards, Student Checking is certified as a low-cost, low-fee account by Bank On.
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.
Note: You must be a U.S. citizen or resident alien age 18 or older. Not a U.S. Citizen or under 18? Visit us in-branch.
Student Checking FAQs
To open a Student Checking account, you need to be under age 25.
- To open an individual account online, you need to be 18 years of age or older.
- If you're age 17 and want to open an individual account, you will need to visit one of our branches. Or, if you're 17 and want to apply online, you must apply with a joint account holder, such as parent or legal guardian who will be the primary account holder.
- If you're age 16, you can open a joint account with a parent or a legal guardian at one of our branches.
Student Checking has no monthly maintenance fee for account owners under age 25. The account will convert to One Deposit Checking from Citizens® when all account owners are age 25 or older.
Our Student Checking is specifically designed to prevent overdrafts! Our student checking accounts do not come with standard overdraft coverage. What does that mean? If you don't have sufficient available funds in your student checking 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.
There may be a time 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.
As an additional option, student checking customers can set up an Overdraft Plan from a savings account or line of credit to help cover transactions for when they don't have sufficient available funds. Both plans are available with no fee on Student Checking accounts. Credit approval is required and finance charges apply for Overdraft Line of Credit.
Ultimately, knowing how much money is available in your account is critical to avoiding any overdraft situation. Citizens gives you tools that make it easy, such as Online and Mobile Banking, and account alerts. Learn how more on overdraft by viewing our Overdraft Choices.
A discussion with a Citizens Banker who will work with you to ensure you are made ready to address all of your financial priorities.
More things you can do
Still not sure what checking product is best for you?
Send money to people you know and trust with Zelle®
Want to save a tree?
When you open your account, sign up for eStatements to save time, money, and the planet.
Pay less on loans
Many of our loans, including student loans†, offer discounts if you make automatic payments from your checking account.
Bank on the go
Download our mobile banking app† for iPhone®, iPad® and Android™ and select "Enroll Now" from the Login screen. Your money will be where it belongs – in your hands.
Download detailed account documents
© Citizens Financial Group, Inc. All rights reserved. Citizens Bank, N.A. Member FDIC
1 Apple App Store rating as of 3/04/2025 and subject to change before or after account opening. Ratings are out of 5 star total rating scale. Ratings are for informational purpose only. Apple App Store rating is for Citizens Bank Mobile Banking.
2 Google Play Store rating as of 3/04/2025 and subject to change before or after account opening. Ratings are out of 5 star total rating scale. Ratings are for informational purpose only. Google App Store rating is for Citizens Bank Mobile Banking.
3 Subject to available funds. Additional amount of transfer determined by customer.
4 Not available to new to bank checking customers. Smart Save requires checking account to have four or more months of activity. Subject to available funds.
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
† For additional information, please click the † symbols throughout this page to view our checking disclosures.
NerdWallet Disclosure: NerdWallet rating as of 12/13/2021. App Store rating as of 3/13/2023 and subject to change before or after account opening. Ratings are out of 5 star total rating scale. Ratings are for informational purpose only. NerdWallet rating is for all Citizens Checking, Savings and CDs. Mobile App rating is for Apple App Store™ Citizens Bank Mobile Banking.
Mastercard disclosure: Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
Contactless Disclosure: The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.
Apple Disclosure: Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Google Disclosure: Android and Google Play are trademarks of Google Inc.
Zelle® Disclosure: Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.