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Online Banking

Meet your new checking account.

It gets your paycheck. It pays your bills. In many ways, your checking account is the heart of your personal finances – making a good fit oh-so important. Let’s find the account that’s right for you.
 

Keeping you and your money connected.

All Citizens Bank checking accounts keep you connected to your money with the Citizens Bank Debit Card, free ATM withdrawals*, and complete digital access via Online Banking and our Mobile Banking App.
 

Citizens Bank Visa® Debit Card

Of course you can use it to shop and withdraw cash. But, this powerful little card is also the key to initiating P2P Payments and setting up a mobile wallet service such as Apply Pay or Samsung Pay. Plus, our Cash Back Checking Account rewards you every time you use your card!
 
 
 

ATM Withdrawals

Sometimes, nothing but cash will do. Enjoy free withdrawals at any Citizens Bank ATM, plus access to over 800 surcharge free ATMs in the ATM Access network.*
 
 
 

Online & Mobile Banking

A digital tool box to manage your checking account. Pay bills, make mobile deposits, send P2P Payments, sign up for account alerts, and more.
 
Account Type Cash Back Checking Advantage Checking Advantage Plus Checking Smart Start Checking
Account Overview Get cash rewards for using your debit card
Simplicity, value and convenience with no minimum balance
Put higher balances to work for you and earn interest
Young adult account with free ATM use
Minimum Deposit to Open $50 $50 $1,000 $50
Minimum Balance Requirement $0 $0 $1,000 $0
Minimum Balance to Earn Interest $1,000 - $1,000 -
Cash Back Reward
$0.05 per PIN debit card purchase
 
$0.10 per signature debit card purchase
- - -
ATM Fees Refunded
Up to $16*
No No No
Non-Citizens Bank ATM Transactions
$2.00
$2.00 $2.00 FREE
Avoidable Monthly Maintenance Fees
$10 if account requirements are not met
- $10 if minimum balance is not maintained -

 
All accounts can be set up with free Electronic Statements. Mailed paper monthly statement available for a fee (waived for customers age 65 or better).
*Cash Back Checking ATM Fee Refund Details
  • 30 or more debit card purchases in a statement cycle:
    • Fees charged by Citizens Bank for using another financial institution's ATM are refunded up to $4.00
    • Fees charged by another financial institution for using their ATM are reimbursed up to $4.00
  • 50 or more debit card purchases in a statement cycle:
    • Fees charged by Citizens Bank for using another financial institution's ATM are refunded up to $8.00
    • Fees charged by another financial institution for using their ATM are reimbursed up to $8.00
 

Overdraft Protection. Because oops, it happens.

It happens to the best of us. A forgotten automatic withdrawal, a delayed deposit – and suddenly, your balance is in the negative. Protect your account with an Overdraft Sweep or an Overdraft Protection Line of Credit.
 

Overdraft Sweep

Link your checking account with a Citizens Bank savings or money market account, and funds will automatically transfer to cover a negative balance in your checking account.
 
 

Overdraft Protection Line of Credit

Apply for this specialized line of credit that advances funds directly to your checking account and allows you to pay it back later.


* Withdrawals at ATMs not owned by Citizens Bank will be assessed a $2.00 fee per transaction (ATM withdrawals from a Smart Start Checking account excluded). Additional fees may be imposed by other ATM owners.