Go further when you bundle.

* Please be aware that securities, insurance products, and investment advisory services offered by Citizens Securities, Inc. and Clarfeld Financial Advisors, LLC (both affiliates of Citizens Bank, N.A.) are different from those offered by the bank and are subject to investment risk, including possible loss of principal.

¹ 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 over 65. Account will automatically receive a waiver on the first 4 monthly maintenance fees.

² 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.

³ Citizens Zero Liability policy covers U.S.-issued cards only. Does not apply to ATM transactions, PIN transactions not processed by Mastercard, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. Cardholder must notify Citizens immediately of any unauthorized use. Transaction at issue must be posted to your account before provisional credit may be issued. For additional information, please visit our Citizens Liability page at citizensbank.com/zeroliability.

⁴ 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.

⁵ 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, Citizens Private Client® Checking and Citizens Private Bank® Checking. There is no transfer fee on any day in which all overdraft transactions are $5 or less or the overdraft plan transfer is $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, Citizens Private Client Checking and Citizens Private Bank Checking. The Annual Percentage Rate (APR) for an Overdraft Line of Credit is 21% on all outstanding loan balances. Credit approval is required.

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.

⁶ Wireless carrier, text and/or data charges may apply.

⁷ To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes. Don't use Zelle® to send money to people you don't know. Data charges may apply.

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

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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.