Citizens Bank Checking Account
in Checking Accounts from Citizens Bank · Member FDIC
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| Community Rating |
Rating not yet determined |
| Monthly Fee | $0 - $25 |
| ATM Fee: Out-of-Network | $2 |
| Minimum Balance to Avoid Monthly Fee | N/A |
| APY (Annual Percentage Yield) | 0.02% - 0.07% |
Citizens Bank Checking Account Review
Citizens Bank Checking Account is offered by Citizens Bank, a bank founded in 1828 and based in Providence, RI. Citizens Bank Checking Account is available in 8 states across the USA.
Key Takeaways
- Low APY. The maximum annual percentage yield for this account is only 0.07%.
- Charges a monthly fee. This account charges a monthly maintenance fee of up to $25, but there are ways to waive the fee.
- No minimum initial deposit. There is no minimum balance required to open an account.
- No ATM fees. Citizens Bank Checking Account does not charge fees on ATM transactions within its network but there is a fee of up to $2 for out-of-network ATM transactions.
- Free bill pay. Pay your bills to practically anyone in the United States through Citizens Bank.
- Hard credit pull. Citizens Bank may require a hard pull on your credit report to open a checking account.
Citizens Bank Checking Account Pros & Cons
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Citizens Bank Checking Account FAQ
Are checking accounts from Citizens Bank federally insured?
Yes, your Citizens Bank checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #57957). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does Citizens Bank Checking Account offer?
Citizens Bank Checking Account offers an APY starting at 0.02% and ranging up to 0.07% (APY stands for annual percentage yield, rates may change).
| Rates | Amount |
|---|---|
| APY (Annual Percentage Yield) | 0.02% - 0.07% |
What are the account minimums for Citizens Bank Checking Account?
Citizens Bank Checking Account does not require a minimum initial deposit.
| Description | Amount |
|---|---|
| Minimum Opening Deposit | $0 |
What fees does Citizens Bank Checking Account charge?
This account charges a monthly maintenance fee of up to $25.
| Description | |
|---|---|
| ATM Fee: In-Network | $0 |
| Debit Card Replacement Fee | $10 |
| Early Account Closure | $30 |
| Foreign Transaction Fee (Debit Card) | 1% |
| Monthly Fee | $0 - $25 |
| NSF Fee | $35 |
| Online Bill Pay Fee | $0 |
| Overdraft Item Fee | $35 |
| Overdraft Protection Fee (per transfer) | $12 |
| Paper Statement Fee | $3 |
| Returned Deposit Fee (Domestic) | $35 |
| Returned Deposit Fee (International) | $0 |
| Stop Payment Fee | $35 |
| Wire Transfer Fee - Domestic (Incoming) | $10 |
| Wire Transfer Fee - Domestic (Outgoing) | $30 |
| Wire Transfer Fee - International (Incoming) | $15 |
| Wire Transfer Fee - International (Outgoing) | $60 |
| ATM Fee: Out-of-Network | $2 |
What features and perks does Citizens Bank Checking Account offer?
This account includes the following features:
- Fraud monitoring - Citizens Bank Checking Account monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Citizens Bank Checking Account allows you to manage your money online. This includes depositing checks in your account with your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
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Contact
- Headquarters
-
1 Citizens Plz
Providence, RI 02903 - (877) 360-2472
- Visit Site
Other Services by Citizens Bank
View all checking accounts offered by Citizens Bank
Availability
Available in 8 states
- Connecticut
- Massachusetts
- New Hampshire
- New Jersey
- New York
- Pennsylvania
- Rhode Island
- Vermont
Feature Breakdown
| ATM Fee: In-Network | $0 |
| Online Bill Pay Fee | $0 |
| Returned Deposit Fee (International) | $0 |
| Debit Card Replacement Fee | $10 |
| Early Account Closure | $30 |
| Foreign Transaction Fee (Debit Card) | 1% |
| Monthly Fee | $0 - $25 |
| NSF Fee | $35 |
| Overdraft Item Fee | $35 |
| Overdraft Protection Fee (per transfer) | $12 |
| Paper Statement Fee | $3 |
| Returned Deposit Fee (Domestic) | $35 |
| Stop Payment Fee | $35 |
| Wire Transfer Fee - Domestic (Incoming) | $10 |
| Wire Transfer Fee - Domestic (Outgoing) | $30 |
| Wire Transfer Fee - International (Incoming) | $15 |
| Wire Transfer Fee - International (Outgoing) | $60 |
| ATM Fee: Out-of-Network | $2 |
Citizens Bank Checking Account Community Reviews
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