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  Citizens Bank Checking Account

Citizens Bank Checking Account

in Checking Accounts from Citizens Bank · Member fdic

Unaffiliated

Citizens Bank Checking Account

Unaffiliated

in Checking Accounts from Citizens Bank · Member FDIC

Net Recommendation Score 0

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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0 users don't recommend
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Highlights
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 service 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
Pros Cons
  • Interest-yielding account.
  • Free debit card
  • No signup bonus.
  • Not FDIC-insured.
  • Only available in 8 states.
  • Higher than average wire transfer fees.
  • Monthly service charge (if minimums are not met).
  • Charges a higher than average fee on out-of-network ATM transactions.
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).

Citizens Bank Checking Account Rates and Terms
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.

Citizens Bank Checking Account Account Minimums
Description Amount
Minimum Opening Deposit $0

What fees does Citizens Bank Checking Account charge?

This account charges a monthly service fee of up to $25.

Citizens Bank Checking Account Fees
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

Does Citizens Bank Checking Account charge overdraft fees?

Yes, Citizens Bank Checking Account charges a $35 fee for every overdraft fee.

Citizens Bank Checking Account offers overdraft protection at a cost of $12 per transaction.

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 Online Bill Pay - Online 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 or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

How do people rate the customer service and user experience of Citizens Bank Checking Account?

Overall, Citizens Bank Checking Account is mostly recommended based on community reviews that rate customer service and user experience.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

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
Bank Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • Interest Bearing Account
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card
  • Bauer Financial A+/A Rating
APY (Annual Percentage Yield) 0.02% - 0.07%

Citizens Bank Checking Account Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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