From classroom to career, we’re your partner on the journey.
We offer products that grow with you - and the benefits and features you need so you’re always ready for what’s next.
Student Checking
If you’re ready to start your financial journey, a checking account is a great first account for anyone under 251.
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No student ID required!
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No monthly maintenance fees or overdraft fees2.
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Open your account with any amount. Seriously.
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Get a debit card instantly in branch3 when you open an account.
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Unlimited use of non-Citizens ATMs with no fee from us4.
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Set up direct deposit and get paid up to 2 days early with Citizens Paid Early™5.
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Manage your finances 24/7 with our mobile app6. Change your PIN, check your balance, replace your card – all in the app.
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Pay for purchases using your digital wallet or pay your friends with Zelle®.
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Visit a branch to apply, or open an account online7.
One Deposit Savings from Citizens™
Whether you’re saving for a car or a trip with friends, a savings account can help you stay ahead of your goals.
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Bundle a Citizens Student Checking and One Deposit Savings from Citizens account for access to Citizens Savings Tracker™8, available exclusively in the Citizens mobile app6.
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Citizens Savings Tracker™ can help you set and track your goals by enrolling in automatic transfers, rounding up your debit card transactions and more.
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All savings accounts earn interest, helping your savings go even further.
Citizens Student Loans™
With 40+ years of student lending experience, we’ll help guide you to the student loan that works best for you.
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No application, origination, or disbursement fees.
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25% Loyalty Discount† for Citizens customers, and a 0.25% Automatic Payment Discount†.
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Apply with a qualified cosigner† and you could get a lower rate.
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You could lower your rate and build your credit† by making timely payments while you're in school.
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One application could cover every year of college with Multi-Year Approval†. If eligible, simply request funds prior to each academic year with no hit to your credit score.
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Get a rate quote in about 2 minutes with no impact to your credit score†.
Explore resources and tools to help you get ahead.
Financial Tips for Students
If you’re looking for advice on building healthy financial habits or insights about paying for college, we’ve got helpful resources to answer your questions.
College Raptor® Tools
From finding scholarships, exploring careers, and discovering your College Match, the Citizens college planning platform, College Raptor, can help you along your journey.
Citizens Scholarship
Looking for ways to pay for college? We're giving away $45,000 in scholarships annually towards tuition†, with no essay required!
© 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 student lending disclosures.
* Important Information
Citizens Scholarship: No purchase necessary. Void where prohibited. The Citizens Scholarship Sweepstakes is open to legal residents of the 50 United States, D.C., and U.S. Territories, who are 18 years of age or older, are students, or prospective students, or parents or legal guardians of students intending to enroll or enrolled at least half-time in an accredited undergraduate/graduate post-secondary institution. To be eligible for a chance to win the Citizens Building the Workforce of the Future Scholarship entrants must be from an underrepresented or a low-income community as described in the Official Rules. Sweepstakes begins at 12:00 AM ET on 4/1/25 and ends at 5:00 PM ET on 3/31/26. Sponsored by Citizens. See Official Rules for details.
1 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.
2 Our Student 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. Overdraft fees and Sustained Overdraft Fees do not apply to Student Checking accounts. While Student Checking is 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. If a transaction results in a negative balance on your account, we will not charge you an Overdraft Fee. $5 Overdraft Pass® does not apply and Student Checking accounts are not eligible for Debit Card Overdraft Coverage enrollment. Citizens offers two overdraft plans- Savings Overdraft Transfer Plan and Overdraft Line of Credit. The transfer fee per day and the annual fee on an Overdraft Line of Credit is waived for Student Checking customers. The Annual Percentage Rate (APR) for an Overdraft Line of Credit is 21% on all outstanding loan balances. Credit approval is required.
3 Instant Issue debit cards not available at all branch locations.
4 Non-Citizens ATM owners may charge a fee.
5 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 Citizens Paid Early™ is at our discretion and we cannot guarantee that you will always receive the Citizens Paid Early™ service.
6 Wireless carrier, text and/or data charges may apply.
7 Must be 18 or older to open account online.
8 Subject to account eligibility. Only available on the Citizens Bank Mobile Banking application. Text and data rates may apply.
College Raptor, Inc. is a wholly owned subsidiary of Citizens Bank, N.A. (Citizens).
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.