Student Checking
Join over 2 million Citizens checking account customers^
4.5 stars*
NerdWallet™
4.7 stars*
Mobile App
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.
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 is a brand name of Citizens Bank, N.A. Member FDIC
^ Consists of all active Citizens checking account customers as of 3/13/2023. Subject to change before or after account opening.
1 Student Checking Rates Disclosure: Rates accurate as of #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=currentDate# and subject to change before or after account opening. ( #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=Region Label#). Rates apply to new accounts and may not apply to existing accounts. The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the bank’s discretion. Other fees may apply. Fees may reduce earnings.
† 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 is a registered trademark, and the circles design is a trademark 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.