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Are you looking for a Personal or Business account?
Are you interested in a Checking or Savings account?
Are you looking for an account for a Small Business?
Are you a non-Profit?
Are you looking for an Investment account?
Are you looking to keep a high balance in the account?
Are you looking to keep a high balance in the account?
Are you looking for a Health Savings Account?
Are you looking for an investment account?
Which of the following statements below fit you the best?
Are you interested in a Checking or Savings account?
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We've got the Product for you!
Does your spare change end up in a jar? Or some place worse—say, in your couch cushions?
Our RoundUp Savings program was designed for people like you. It puts your spare change to work. Every time you use your Citizens Bank debit card to make daily purchases like gas, groceries, or a soy latte, we automatically “round up” the purchase amount to the nearest dollar.
Then, we put your “spare change” in a savings account where it accumulates and actually bears interest for you. We’ll combine your monthly checking and savings transaction information into one, easy to read statement. You can even receive it electronically.
There are no service fees or minimum balance on RoundUp savings. To get started, visit your local Citizens Bank Branch Office or simply contact us today.
It’s never too early to educate children on saving money. Our Junior Savers accounts are designed to teach children at a very early age the importance of building a strong financial background. Whether they are saving for a new bike —or college— Citizens Bank makes it easy to help achieve your financial goals.
Open your account with as little as $5 as an opening deposit. There is also no monthly minimum balance fee to those aged 0-17.5 7 8
Our Money Market Savings account is a great way to save while giving you the option to access your funds in person, by mail, through your current Visa® check card or by writing a check. It just takes $50 to open the account and as long as a $1000 balance is maintained, there will be no monthly service charge. A $6.00 per month service charge applies if balance falls below the minimum $1,000.56
Everyone needs to save for a rainy day. This becomes easier with our Regular Savings Account. Simply deposit $25 to open your account, when your account balance reaches $200 there will be no monthly minimum balance fee. Balances under $200 will be assessed a $3 monthly minimum balance fee. 578
This savings account is designed for our highest-balance customers. Rates are tiered offering higher rates of return for higher balances. For details about rates and service charge contact a Citizens Banker today.56
Today, Health Saving Accounts (or “HSAs”) are more popular than ever before—and with good reason. They’re designed to help people tackle the high costs of healthcare while saving for future medical expenses.
When you open an HSA with us, you get all the benefits of a traditional HSA—along with a team of people you can feel good about working with.
Our Health Savings Accounts allow your contributions to be fully tax deductible and your distributions for qualified medical expenses to be free from tax. 6 To qualify for an HSA, you must be covered under a qualified High Deductible Health Plan (HDHP) on the 1st day of the month the contribution is made.
Accounts can be opened without an opening deposit and include a debit card and the first 50 checks for free. There is no fee charge, annual fee or per check/debit fees! No minimum balance required.5 8
Citizens Bank’s Individual Retirement Accounts not only help you save for retirement, they help you keep your treasure close. We offer both traditional and Roth IRAs to help you achieve your financial goals.
The idea behind a certificate of deposit (otherwise known as a CD) is fairly simple: in exchange for leaving your money untouched in the bank for a set period of time, you get a higher rate of return on your money. If you have the cash you know you won’t need access to for a while, it’s a great investment.
Our certificates are designed around you with a variety of terms and rates based on what works best for you. Most CDs require only $500 to open, however there is a substantial penalty for early withdrawal.
Benefits:
- Complementary Online Banking, Bill Pay, and Mobile Banking.1
- Monthly Service Charge: $6
- Service Charge Waivers: Service Charge reduced $0.25 for each debit swipe, capped at $6 per month.
- Free Incoming Wire Transfers
- Mortgage Closing Discount: $200 to qualified mortgage applicants at closing
- Loan Auto-Debit Discount2 0.25% annual percentage rate
- First (2) NSF/OD Fees Refunded3
Benefits
- Complementary Online Banking, Bill Pay, and Mobile Banking.1
- To qualify for this account at least one owner must be at least 50 years of age.
- No Monthly Service Charge
- Free Incoming Wire Transfers
- Mortgage Closing Discount: $200 to qualified applicants at closing
- Loan Auto-Debit Discount2 0.25% annual percentage rate
- First (2) NSF/OD Fees refunded3
Benefits:
- Complementary Online Banking, Bill Pay, and Mobile Banking.1
- No monthly Service Charge
- No deposit required.
- No minimum balance required.
- No charge for Incoming Wire Transfers.
- Mortgage Closing Discount: $200 to qualified applicants at closing
- Loan Auto-Debit Discount 0.25% annual percentage rate
- For additional benefits see a Citizens Banker today!
If you are between the ages of 16 and 23, this account is perfect for you. There is no monthly service charge on our Student checking account. Citizens Bank will never charge you for using another banks ATM and will even reimburse you up to $4 per month for the fees charged to you by a competitor bank.
*Check images will not be returned, but will be available upon request. Individuals under the age of 18 will require a parent or guardian 18 years or older. Account is required to be enrolled in E-statements. This account will automatically convert to Community Checking when the youngest signer reaches the age of 24.
Benefits
- Complementary Online Banking, Bill Pay, and Mobile Banking.1
- Monthly Service Charge: $10
- Service Charge Waivers: Service Charge reduced $0.25 for each debit swipe with a cap of $10 per month; Service Charge entirely waived if total relationship with the bank between loans and deposits is $5,000 or greater.
- Free Incoming Wire Transfers
- Mortgage Closing Discount: $200 to qualified applicants at closing
- Loan Auto-Debit Discount2 0.25% annual percentage rate
- First (2) NSF/OD Fees Refunded3
Benefits
- Complementary Online Banking, Bill Pay, and Mobile Banking.1
- To qualify for this account at least one owner must be a member of the Military, either in Active Duty, Retired or Reservist. Active and
- retired members of Police and Fire departments as well as other individuals who may be called “First Responders” also qualify. Both paid and volunteer members of these departments qualify.
- No monthly Service Charge
- Free Incoming Wire Transfers
- Mortgage Closing Discount: $200 to qualified applicants at closing
- Loan Auto-Debit Discount2 0.25% annual percentage rate
- First (2) NSF/OD Fees Refunded3
Business Banking
Money Market Savings
Business Banking
Regular Savings
Business Banking
Premium Rate Savings
Business Banking
CDs
Business Banking
Business Checking I
Business Banking
Not-For-Profit Checking
Business Banking
Small Business Checking
- Message and data rates may apply from your wireless carrier.
- To apply loan must be newly opened and auto-debit selected at the time of loan closing.
- Refund cards will be presented at time of account opening and must be redeemed to receive refund.
- Rate may change after account is opened.
- Transfers or withdrawals to another account or to a third party by means of a preauthorized or automatic transfer, telephone request, internet, check, draft, or debit card are limited to 6 per statement cycle.
- Transfers or withdrawals to another account or to a 3rd party by means of a preauthorized transfer, telephone request, internet check or draft are limited to 6 per calendar month. A fee of $2.00 will be charged for each additional debit transaction (withdrawal, ATM withdrawal, automatic transfer or payment) over the monthly limit. For Junior Savings, the account will automatically convert to a Regular Savings account when minor reaches age 18. All fees and guidelines for the Regular Savings account will apply.
- Accounts that remain at a zero balance for 30 days will be closed.
- Contributions made to your HSA by you or someone other than your employer may be taken as a deduction. Account holder may not be a dependent or covered by another health plan that is not an HDHP, including Medicare. Consult tax adviser for additional information.