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  Citizens Bank Platinum Checking

Citizens Bank Platinum Checking

in Checking Accounts from Citizens Bank · Member FDIC

Unaffiliated

Citizens Bank Platinum Checking

Unaffiliated

in Checking Accounts from Citizens Bank · Member FDIC

Net Recommendation Score -100%

SUPERMONEY NET RECOMMENDATION SCORE

-100%

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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4 users don't recommend
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Highlights
Community Rating

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Monthly Fee $0 - $25
ATM Fee: Out-of-Network $3
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0.02%

Citizens Bank Platinum Checking Review

Citizens Bank Platinum Checking is offered by Citizens Bank, a bank founded in 1828 and based in Providence, RI. Citizens Bank Platinum Checking is available in 11 states across the USA.

Key Takeaways
  • Low APY. The maximum annual percentage yield for this account is only 0.02%.
  • Charges a monthly fee. This account charges a monthly maintenance fee of up to $25.
  • No ATM fees. Citizens Bank Platinum Checking does not charge fees on 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 Platinum Checking Pros & Cons
Pros Cons
  • Interest-yielding account.
  • Free debit card
  • No signup bonus.
  • Only available in 11 states.
  • Higher than average wire transfer fees.
  • Monthly service charge.
  • Charges a higher than average fee on out-of-network ATM transactions.
Citizens Bank Platinum Checking 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 Platinum Checking offer?

Citizens Bank Platinum Checking Rates & Terms
Description
APY (Annual Percentage Yield) 0.02%

Citizens Bank Platinum Checking offers an APY of 0.02% (APY stands for annual percentage yield, rates may change).

What are the account minimums for Citizens Bank Platinum Checking?

Citizens Bank Platinum Checking does not require a minimum initial deposit.

Citizens Bank Platinum Checking Account Minimums
Description Amount
Minimum Initial Deposit $0

What fees does Citizens Bank Platinum Checking charge?

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

Citizens Bank Platinum Checking Fees
Description
Monthly Fee $0 - $25
Paper Statement Fee $2
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $3
NSF Fee $35
Overdraft Protection Fee (per transfer) $12
Overdraft Item Fee $35
Early Account Closure $0
Returned Deposit Fee (Domestic) $20
Debit Card Replacement Fee $0
Bank Teller Fee N/A
Check Cashing Fee N/A
Online Bill Pay Fee $0
Stop Payment Fee $35
Check Image Service $3
Check Copy $5
Foreign Transaction Fee (Debit Card) 3%
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Outgoing) $35
Wire Transfer Fee - International (Incoming) $12
Returned Deposit Fee (International) $25
Wire Transfer Fee - Domestic (Incoming) $18
ATM Reimbursement Monthly Limit N/A

What features and perks does Citizens Bank Platinum Checking offer?

This account includes the following features:

  • Check images with statement - Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks.
  • Fraud monitoring - Citizens Bank Platinum Checking 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 Platinum Checking 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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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 11 states
  • Connecticut
  • Delaware
  • Massachusetts
  • Michigan
  • New Hampshire
  • New Jersey
  • New York
  • Ohio
  • Pennsylvania
  • Rhode Island
  • Vermont

Feature Breakdown

ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Early Account Closure $0
Online Bill Pay Fee $0
Check Copy $5
Check Image Service $3
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0 - $25
NSF Fee $35
Overdraft Item Fee $35
Overdraft Protection Fee (per transfer) $12
Paper Statement Fee $2
Returned Deposit Fee (Domestic) $20
Returned Deposit Fee (International) $25
Stop Payment Fee $35
Wire Transfer Fee - Domestic (Incoming) $18
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Incoming) $12
Wire Transfer Fee - International (Outgoing) $35
ATM Fee: Out-of-Network $3
Bank Account Features
  • No ATM Fees
  • IRAs
  • FDIC Member
  • Bauer Financial A+/A Rating
  • Debit Card
  • Free Bill Pay
  • Fraud Monitoring
  • Mobile Banking
  • Check Images with Statement
  • Nationwide ATM Network
  • Interest Bearing Account
  • Mobile Check Deposit
APY (Annual Percentage Yield) 0.02%

Citizens Bank Platinum Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

-100%

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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