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Personal Checking Accounts

On this page:
  • Earn rewards just for using your debit card
  • Find budget-friendly options with no balance requirements or monthly fees 
  • Open a new account in minutes
  • Stay connected to your money with Digital Banking


Meet your new checking account.

 
It’s where you send your paycheck. It pays your bills. 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.

Cash Back Checking

Do you use your debit card often, and do you like to be rewarded? Get paid to use your debit card!*
  • Minimum Deposit to Open: $50
  • Minimum Balance: $0
  • Earn Interest Starting at: $1,000
  • Cash Back Rewards: $0.05 per PIN and $0.10 per non-PIN debit card purchase
  • ATM Fees Refunded: Up to $16**
  • Monthly Maintenance Fees: $10 (only if account requirements not met)
 
Account Requirements

Smart Start Checking

Are you a teen or young adult opening your first checking account? Designed with features for students. 
  • Minimum Deposit to Open: $50
  • Minimum Balance: $0
  • Non-Citizens Bank ATM Fee: FREE
  • No Monthly Fee
  • Free Debit Card
  • Free e-Statements
 
Account Requirements

Advantage Checking

Are you seeking great service without any frills or rewards? When all you need is a straightforward checking account. 
  • Minimum Deposit to Open: $50
  • Minimum Balance: $0
  • No Monthly Fee
  • Free Debit Card
  • Free e-Statements
 
Account Requirements










All accounts can be set up with free Electronic Statements. Mailed paper monthly statement available for a fee (waived for customers age 65 and over).
*Cash Back Checking rewards are paid at the end of every statement cycle.
**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.
















Keeping you and your money connected.

Nothing goes with a Citizens Bank Checking Account like Citizens Bank's Digital Banking.
 

Citizens Bank Visa® Debit Card

Citizens Bank personal debit card image
Get paid to use it with our Cash Back Checking Account, and stay in full control with the Card Management tool in Digital Banking! Get a card today at any Citizens Bank branch.
 

More ways to use your new account:

 
  • Zelle®
A fast, safe, and easy way to send money to family and friends using just a U.S. mobile number or email address.
 
 
  • Digital Payments
Use the Pay feature in Digital Banking to take care of everything from your monthly utility bills to what you owe the babysitter.
 
 
  • ATM Withdrawals
Sometimes, you need cash. Enjoy free withdrawals at Citizens Bank ATMs plus over 800 surcharge-free ATMs in the ATM Access network.*
 
 
  • Personalized Account Checks
Through our relationship with Deluxe, online check orders (new or reorders) can be placed quickly and easily.
 
 
 
* Withdrawals at ATMs not owned by Citizens Bank will be assessed a $2/transaction fee (except withdrawals from Smart Start Checking). 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.
Man holding tablet

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. Discover ways to protect your account.
 
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 special line of credit that advances funds directly to your checking account and allows you to pay it back later.