personal banking

Citizens Bank offers a variety of accounts, all of which come with a free, customizable, Visa debit card, free Internet Banking, free e-statements, and unlimited check writing.

Our Accounts
Features Basic Go Green Prime1 Rewards Elite
Minimum Deposit to Open $50 $50 $50 $50 $1,000
Minimum Balance Required None None $1,000 None $2,500
Monthly Service Fee None None $6 2 $7 $10 2
Interest Paid on Account   5 4   3
Free Bank Checks     1 Free Box/yr 1 Free Box/yr 1 Free Box/yr
Free Bank-to-bank Transfers
Free Cashier's Checks     2 per visit    
Free Imaged or Electronic Statements Electronic 6 Electronic Either Either Either
Free Mobile Banking
Free Online Bill Pay  
Free Stop Payments        
Group Travel Program      
Lifestyle & Financial Seminars      
Overdraft Privilege Available 7
Premium Rates on CDs        
Refund of ATM Fees        
Safe Deposit Box Discounts     8    


1 — Must be 50 years of age or older
2 — Monthly service fee waived if minimum account balance is maintained.
3 — Interest paid on this account in three tiers:
Tier 1: Balances $1,499 or less.
Tier 2: Balances between $1,500 and $2,499.
Tier 3: Balances $2,500 or more.
4 — Interest paid on daily ledger balance.
5 — Interest paid on base and premium rates, subject to certain account requirements.
6 — eStatements standard; imaged statements available for a $3 monthly fee.
7 — Overdraft privilege subject to approval; fees may apply.
8— 50% discount on a 3x5 safe deposit box subject to availability by location. All other sizes $5 off. Limited to one box per customer.

Rewards Checking Benefits

With Citizens Bank's Rewards Checking account, the details are in the name. This account was designed to help you take advantage of valuable rewards — just for being our customer.

$10,000 AD&D Insurance1 Debit Advantage -  Buyers Protection and Extended Warranty1
Cellular Telephone Protection1 Travel and Leisure Discount Membership*
Health Discount Savings* - Enjoy savings on vision, prescription, and hearing services.  This is NOT insurance.

IDProtect® – Identity Theft Protection Service2*

$hopping Rewards™*


*Registration/activation/enrollment required.

1Special Insurance Program Notes:  The descriptions herein are summaries only.  They do not include all terms, conditions and exclusions of the policies described.  Please refer to the actual policies for complete details of coverage and exclusions.  Insurance is offered through the company named on the certificate of insurance.

2IDProtect service is a personal identity theft protection service available to account owner(s) and their joint account holders.  The service is available to non-publicly traded businesses and their business owner(s) listed on the account (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and employees/students.  For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s).  For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered). 

Insurance product is not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.