ONLINE BANKING

 

Mobile Banking

You're on the go more than ever. Now you can access your accounts wherever you are. Mobile Banking is smart, simple, secure, and free!

Personal Checking Accounts to Fit Your Lifestyle

Choose the most convenient way to access your account and perform transactions.

 

  • Free Debit Card
  • Free ATM access at any Citizens Bank ATM
  • Free NetTeller (online banking)
  • Free online Bill Payer 
  • Free E-Statements*
  • Free Mobile App featuring Mobile Deposit and Person-to-Person (P2P) Transfers
  • Free E-Notices and Text Alerts (Standard message and data rates may apply)
  • Free Telephone Banking
  • Overdraft Protection available  
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 (under age 25 only)
Minimum Deposit to Open $50 $50 $1,000 $50
Minimum Balance Requirement $0 $0 $1,000 $0
Minimum Balance to Earn Interest
[Rates]
$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
Requires E-Statements Yes - - -
Requires Direct Deposit Yes - - -
Requires 12 or More Debit Card Purchases per Statement Cycle Yes - - -
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 -

Minors aged 16-17 may open a joint checking account with a parent or guardian

*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

When you're ready to open your account, visit any of our convenient locations to speak with a Personal Banker.