Citizens Checking Accounts

Choose the account that's right for you. With features like Citizens Paid Early® which lets you get paid sooner—up to 2 days early.1

Citizens Quest® Checking

Grow your relationship with extra features and exclusive benefits with the CitizensPlus® loyalty program.*

Monthly Maintenance Fee

  • $0.00 or $25.00
  • Waive the monthly maintenance fee when you either: Make $5,000 in total deposits to your primary checking each statement period OR Maintain $25,000 in monthly combined deposits and investments**
Open AccountAccount Details

One Deposit Checking from Citizens®

A simple solution for everyday banking.

Monthly Maintenance Fee

  • $0.00 or $9.99
  • Waive the monthly maintenance fee when you make one deposit each statement period
Open AccountAccount Details

Citizens Private Client® Checking

Access premium benefits available only to Private Clients with the CitizensPlus® loyalty program.*

Monthly Maintenance Fee

  • $0.00
  • Maintain $200,000 in combined deposits and investments** to qualify
Open AccountAccount Details

Citizens EverValue Checking®

Everyday value, no overdraft fees

Monthly Maintenance Fee

  • $5.00
  • This fee cannot be waived

Account Details

Open Account

Student Checking

Under 25, and ready to start your financial journey

Monthly Maintenance Fee

  • $0.00
  • There is no fee if you're under age 252

Account Details

Open Account

Checking Account FAQs

Depending on your preference, you can apply for a Citizens checking account online, over the phone, or at any Citizens branch. To apply online, just select the appropriate link from the top of this page and find the account you wish to open. You will then see instructions about applying online.

Knowing how much money is available in your account is critical to avoiding overdraft situations. Citizens gives you tools that make it easy, such as Online and Mobile Banking3, and account alerts. Learn how to manage overdrafts and avoid fees by viewing our Overdraft Choices.

CitizensPlus® is a benefit-rich loyalty program available only with Citizens Quest® Checking and Citizens Private Client® Checking accounts. As your relationship with Citizens grows, you get more benefits, rewards, and personalized advice. No additional enrollment is needed.

There are two options for setting up direct deposit online or with a direct deposit form from your employer. You will need to provide the following:

  • Our bank routing number. This nine-digit number is found on the bottom left of your checks.
  • Your checking account number. It can be found on the bottom of the check directly to the right of the routing number.

    Decorative image
  • A voided check. This will allow the employer to verify the above information. Write “VOID” in large letters in ink across the check, covering most lines so that nothing else can be written in on the check.
  • Your branch address. You can find this information online, but you could also call a representative.

    More information on direct deposit
  • No checks? No problem you can find your routing number online.

Still have questions? More information on routing numbers.

Go into your nearest branch or call 1-877-360-2472

Simply call us at 1-800-922-9999, visit any Citizens branch, or use the Change of Address feature of Online Banking.

Have more questions about Citizens Checking Accounts? Read all our Checking FAQs

© 2025 Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC

** Please be aware that securities, insurance products, and investment advisory services offered by Citizens Securities, Inc. and Clarfeld Financial Advisors, LLC (both affiliates of Citizens Bank, N.A.) are different from those offered by the bank and are subject to investment risk, including possible loss of principal.

* CitizensPlus® benefits cannot be applied in addition to other promotional benefits or discounts that we may offer from time to time. In order to qualify or maintain CitizensPlus, you must maintain an open and active Citizens Quest® or Citizens Private Client® Checking account. We may evaluate accounts periodically to determine qualifications and have the right to remove benefits based on failure to meet qualifications. Benefits subject to change.

1 If you are a Citizens Personal Checking, Savings or Money Market account customer that has set up a direct deposit with a payor, you may be able to get that direct deposit up to two days early with Citizens Paid Early®. Whether a direct deposit is eligible for Paid Early is at our discretion and we cannot guarantee that you will always receive the Paid Early service.

2 At least one account holder must be under 25 years old. Account will switch to One Deposit Checking from Citizens® when all account owners are age 25 or older.

3 Wireless carrier fees may apply. Banking fees may apply.

Banking products are offered through Citizens Bank, N.A. ("CBNA"). For deposit products, Member FDIC.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

Citizens offers personal checking accounts in the following states: CT, DC, DE, FL, MD, MA, MI, NH, NJ, NY, OH, PA, RI, VT or VA

Citizens Wealth Management (in certain instances DBA Citizens Private Wealth) is a division of Citizens Bank, N.A. ("Citizens"). Securities, insurance, brokerage services, and investment advisory services offered by Citizens Securities, Inc. ("CSI"), a registered broker-dealer and SEC registered investment adviser - Member FINRA/SIPC. Investment advisory services may also be offered by Clarfeld Financial Advisors, LLC ("CFA"), an SEC registered investment adviser, or by unaffiliated members of FINRA and SIPC providing brokerage and custody services to CFA clients (see Form ADV for details). Insurance products may also be offered by Estate Preservation Services, LLC ("EPS") or an unaffiliated party. CSI, CFA and EPS are affiliates of Citizens. Banking products and trust services offered by Citizens.

SECURITIES, INVESTMENTS AND INSURANCE PRODUCTS ARE SUBJECT TO RISK, INCLUDING PRINCIPAL AMOUNT INVESTED, AND ARE:
· NOT FDIC INSURED · NOT BANK GUARANTEED · NOT A DEPOSIT · NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY · MAY LOSE VALUE

  • Equal Housing Lender Logo