Minimum Opening Deposit
Account may be opened with a deposit of any amount.
$0.00
Monthly Service Fee
The Monthly Service Fee of $25.00 can be waived by $25,000 in combined balances across all accounts OR $5,000.00 in total deposits to primary checking each statement period
$25.00
Annual Percentage Yield (APY)
The account earns 0.05% interest.
0.05%%
Debit Cards & Using ATMs
Debit Card
$0.00/yr
Non-affiliated ATM Usage Fee
There is no fee if you use a non-affiliated ATM
$0.00
International ATM Usage Fee
There is a fee calculated at 3% of value of transaction.
$3.00/per use
Electronic & Telephone Banking
Online Bill Pay
Free
Mobile & Text Banking
This institution supports:- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs;- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs;- An Android application to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs.
Free
Deposit Checks with Mobile Phone
This feature is available on the iPhone, iPad and Android mobile application.
Free
Person-to-Person Payments
Zelle-No fee for standard 3 day delivery
Free
Email Alerts
This Email Alert feature enables you to receive:- Warnings when your balance falls below a certain threshold;- Notice of deposits or withdrawals over a certain threshold;- Reminders that bills are coming due for payment.
Included with Online Banking
Automated Phone Banking
Customer service representatives are available 24 hours a day.
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
Free Personal Checks
Yes
Monthly Paper Statements
There is a $2.00 monthly fee if you choose to receive statements by mail. There is no cost for online statements.
Yes
Check Images with Statements
There is a $3.00 monthly fee to receive images of canceled checks with monthly statements.
Included
Online Statements
Yes
Online Check Images
Images of canceled checks can be viewed online for 18 months.
Yes
Overdrawing the Account
Negative Balance Fee
There is a $30.00 fee for a negative balance after 4 calendar days with less than a $0.00 balance. After that, this fee is assessed every 3 days with a negative balance.
Yes
Returned Item Fee
The Insufficient Funds Fee is $37.00 per overdraft.
$37.00/per item
Overdraft Protection
This checking account has 2 options for Overdraft Protection.From a linked Savings Account:- Funds are transferred to bring the account balance to $0.00.From a linked Overdraft Line of Credit:- No Transfer fee. Funds are transferred to bring the account balance to $0.00.
Available
About Citizens Bank
In 1828, Citizens Financial Group got its start as a small community bank called the High Street Bank in Providence, Rhode Island.
Citizens Financial Group, Inc. is a $132 billion commercial bank holding company. It is headquartered in Providence, RI, and through its subsidiaries has more than 1,500 branches, approximately 3,900 ATMs and more than 20,900 employees. It operates its branch network in 12 states and has non-branch retail and commercial offices in about 40 states.