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  Citizens Bank Platinum Checking

Citizens Bank Platinum Checking

in Checking Accounts from Citizens Bank · fdic

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Citizens Bank Platinum Checking

Unaffiliated

in Checking Accounts from Citizens Bank · Member FDIC

Net Recommendation Score -100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-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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0 users recommend
0 users are unsure
4 users don't recommend
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Highlights
Community Rating

Rating not yet determined  

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 service fee of up to $25.
  • No minimum initial deposit. There is no minimum balance required to open an account.
  • No ATM fees. Citizens Bank Platinum Checking does not charge fees on ATM transactions within its network but there is a fee of up to $3 for out-of-network ATM transactions.
  • Bill pay. Pay your bills to practically anyone in the United States through Citizens Bank.
Citizens Bank Platinum checking Pros & Cons
Pros Cons
  • Interest-yielding account.
  • Free debit card
  • 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 Minimums
Description
Minimum Opening Deposit Starting at $0

What fees does Citizens Bank Platinum checking charge?

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

Citizens Bank Platinum Checking Fees
Description
ATM Fee: In-Network $0
Check Copy $5
Check Image Service $3
Debit Card Replacement Fee $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 3%
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 $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

Does Citizens Bank Platinum checking charge overdraft fees?

Yes, Citizens Bank Platinum checking charges a $35 fee for every overdraft.

Citizens Bank Platinum checking offers overdraft protection at a cost of $12 per transaction.

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 unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online 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 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 Platinum checking?

Overall, Citizens Bank Platinum checking is strongly not 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.

Message From Citizens Bank Platinum Checking

Citizens Quest™ Checking, An account that gives you the confidence you’re on the right path. You want a relationship account that allows you to bank easier with many additional services at no fee. More everyday banking services at no additional cost such as checks, wire transfers and using other banks' ATMs. No fee overdraft protection plans, plus we won’t charge you overdraft fees on the first overdraft occurrence each year. Unlimited Citizens Quest Checking and Savings accounts with no monthly maintenance fee. Create a personalized plan to help you stay on track.

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Other Services by Citizens Bank

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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
Account Features
  • Bauer Financial A+/A Rating
  • Check Images with Statement
  • Debit Card
  • Member FDIC
  • Fraud Monitoring
  • Free Bill Pay
  • Interest Bearing Account
  • IRAs
  • Mobile Banking
  • Mobile Check Deposit
  • Nationwide ATM Network
  • No ATM Fees
APY (Annual Percentage Yield) 0.02%

Citizens Bank Platinum Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-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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