Citizens Bank Platinum Checking
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Would you recommend Citizens Bank Platinum Checking to your friends?
| Community Rating | Strongly not recommended |
| Cashback Rewards | N/A |
| APY (Annual Percentage Yield) |
0.02% (Verified 08/04/2023) |
| Monthly Fee |
$0 - $25 (Verified 08/04/2023) |
| Minimum Balance to Avoid Monthly Fee | N/A |
| Number of Reviews | 5 |
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 online.
- 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 |
|---|---|
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Citizens Bank Platinum checking FAQ
Are checking accounts from Citizens Bank federally insured?
Yes, your deposits 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?
| 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.
| 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.
| Description | |
|---|---|
| Monthly Fee | $0 - $25 |
| ATM Fee: In-Network | $0 |
| ATM Fee: Out-of-Network | Starting at $3 |
| Foreign Transaction Fee (Debit Card) | 3% |
| NSF Fee | $35 |
| Overdraft Item Fee | $35 |
| Overdraft Protection Fee (per transfer) | $12 |
| 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 |
| Paper Statement Fee | $2 |
| Online Bill Pay Fee | $0 |
| Check Copy | $5 |
| Check Image Service | $3 |
| Debit Card Replacement Fee | $0 |
| Early Account Closure | $0 |
Does Citizens Bank Platinum checking charge overdraft fees?
Yes, Citizens Bank Platinum checking charges a $35 fee for every overdraft. You can get 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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Message From Citizens Bank Platinum checking
Contact
- Headquarters
-
1 Citizens Plz
Providence, RI 02903 USA - (877) 360-2472
- Visit Site
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
| Minimum Opening Deposit | Starting at $0 |
Citizens Bank Platinum Checking Community Reviews
Would you recommend Citizens Bank Platinum Checking to your friends?
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