Fuel your savings. Get up to $500

¹ To Earn Personal Savings Bonus: You must, 1) have an existing or open a new personal Citizens checking account between 9/12/25 and 9/27/25 and, 2) have an existing or open a new personal Citizens savings account between 9/12/25 and 9/27/25, and, 3) have one single deposit of at least $10,000/$30,000 or more in new money post into one personal Citizens savings account by 10/1/25 and, 4) your savings balance as of the end of the day prior to the qualifying single deposit plus qualifying single deposit ($10,000/$30,000) must be maintained through 12/31/25. The qualifying deposit of $10,000.00-$29,999.99 is eligible for a $250 bonus, or qualifying deposit of $30,000.00 or more is eligible for a $500 bonus. If the qualifying deposit at the end of the retention period drops into the lower tier, you will be eligible for the lower bonus.

Qualifications: New money is external funds that are not currently on deposit with Citizens or Citizens Access. The participating personal Citizens savings account must remain open and active AND the participating personal Citizens checking 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.

Eligibility: Only one personal Citizens savings account is eligible for a bonus and only one customer on the savings account is eligible for a bonus. Customer will only be paid a one-time bonus for this program. Offers may be withdrawn without notice. Offer eligibility is determined at Citizens' sole discretion.

Payout: Bonus will be deposited to your personal Citizens checking account by the date stated in the table below and will be labeled as "Balance Builder Bonus". If your personal Citizens checking account is closed prior to payout date stated in the table below, then your personal Citizens savings account will also no longer be eligible for this offer. Bonus will be reported to the IRS for income tax purposes.

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 8/27/2025, 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+. Variable-rate APY for Citizens Quest® Savings varies by tier. For example, as of 4/15/2025, APY by tier for Citizens Quest® Savings is: 0.02% for tiers below $2,500, $2,500+, $ 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 To Earn Business Savings Bonus: You must, 1) have an existing or open a new Citizens business checking account between 9/12/25 and 9/27/25 and, 2) have an existing or open a new Citizens business savings account between 9/12/25 and 9/27/25, and, 3) have one single deposit of at least $10,000/$30,000 or more in new money post into one Citizens business savings account by 10/1/25 and, 4) your savings balance as of the end of the day prior to the qualifying single deposit plus qualifying single deposit ($10,000/$30,000) must be maintained through 12/31/25. The qualifying deposit of $10,000.00-$29,999.99 is eligible for a $250 bonus, or qualifying deposit of $30,000.00 or more is eligible for a $500 bonus. If the qualifying deposit at the end of the retention period drops into the lower tier, you will be eligible for the lower bonus.

Qualifications: New money is external funds that are not currently on deposit with Citizens or Citizens Access. The participating Citizens business savings account must remain open and active AND the participating Citizens business checking 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.

Eligibility: Only one Citizens business savings account is eligible for a bonus and only one customer on the savings account is eligible for a bonus. Customer will only be paid a one-time bonus for this program. Offers may be withdrawn without notice. Offer eligibility is determined at Citizens' sole discretion.

Payout: Bonus will be deposited to your Citizens business checking account by the date stated in the table below and will be labeled as "Balance Builder Bonus". If your Citizens business checking account is closed prior to payout date stated in the table below, then your Citizens business savings account will also no longer be eligible for this offer. Bonus will be reported to the IRS for income tax purposes.

Variable-rate Annual Percentage Yield (APY) for Citizens Business Savings varies by tier. For example, as of 8/27/2025, APY by tier for Citizens Business Savings is: 0.01% 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.

³ You may also maintain a $200 minimum daily balance to waive the monthly maintenance fee. Account will automatically receive a waiver on the first 4 monthly maintenance fees. Fee is not assessed when any signer is under 25 or 65 or older.

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

Investments are 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.