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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.
 
When you're ready to open an account , start your account now or request an appointment to speak with a Personal Banker.

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 24/7 access via Digital Banking.

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 setting up a mobile wallet service such as Apple Pay® or Samsung Pay. Plus, our Cash Back Checking Account rewards you every time you use your card! With our card management tool in Digital Banking, you are in full control of how, when, and where your card can be used.



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.*



Digital Banking

A digital tool box to manage your checking account. With our Mobile App and Online Banking, you can make deposits or payments, sign up for account alerts, view documents, and more. Use the Personal Budgeting Tool to track expenses by category and set saving or spending targets.



Zelle®

A fast, safe, and easy way to send money to family and friends using just a U.S. mobile number or email address.

Account Type Cash Back Checking Smart Start Checking Advantage Checking
Account Overview Do you use your debit card often, and do you like to be rewarded? Get paid to use your debit card!
Are you a teen or young adult opening your first checking account? Designed with features especially for students.
Are you seeking great service without frills or rewards? When all you need is a basic account.
Open New Account Open Now Open Now Open Now
Minimum Deposit to Open $50 $50 $50
Minimum Balance Requirement $0 $0 $0
Minimum Balance to Earn Interest $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
Non-Citizens Bank ATM Transactions
$2.00
FREE $2.00
Avoidable Monthly Maintenance Fees
$10 if account requirements are not met
- -

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