Citizens Bank full review
Take advantage of features such as Citizens Paid Early™ that enable you to receive your payment earlier, Citizens Checkup, overdraft solutions, and additional benefits.
An In-Depth Review of Citizens Bank: Discover Its Advantages!
Originally established as a community bank in Providence, Rhode Island, Citizens Bank has grown to become a trusted financial institution catering to the needs of its local residents and businesses. Over time, it has expanded its presence to various states in the Northeastern United States, offering a wide range of banking services to a diverse customer base.
With a strong and extensive network of branches and ATMs, Citizens Bank aims to provide convenient and accessible banking solutions to individuals, families, and businesses. By blending tradition with innovation, the bank ensures that it continuously adapts to the evolving needs of its customers.
Citizens Bank Checking Accounts
When it comes to checking accounts, Citizens Bank offers a choice of five different options to suit your specific needs. Let’s take a closer look at the details of each account:
1. One Deposit Checking from Citizens™
Offering a simple solution for everyday banking, this account provides additional benefits such as Citizens Peace of Mind, which gives you extra time to cover overdrafts. The monthly maintenance fee is either $0.00 or $9.99, but you can waive it by making at least one deposit each statement period.
2. Citizens Quest® Checking
This relationship account offers extra features without the burden of extra fees. With benefits like Citizens Peace of Mind for overdraft coverage and Citizens Fee Relief™ for waived overdraft charges, this account is available for a monthly maintenance fee of either $0.00 or $25.00. You can avoid the fee by either making $5,000 in total deposits to your primary checking account each statement period or maintaining $25,000 in monthly combined deposits and investments.
3. Citizens Private Client™ Checking
If you’re looking for personalized banking, lending, and investment services, the Citizens Private Client™ Checking account is an excellent choice. It offers the same benefits as the Citizens Quest® Checking account, with no monthly maintenance fee if you maintain $200,000 in combined deposits and investments.
4. Citizens EverValue Checking®
For everyday value without the worry of overdraft fees, the Citizens EverValue Checking® account is ideal. It does not charge any overdraft fees or fees on overdraft plans. However, there is a monthly maintenance fee of $5.00, which cannot be waived.
5. Student Checking
Designed for individuals under 25 who are starting their financial journey, the Student Checking account has no overdraft fees or fees on overdraft plans. There is no monthly maintenance fee if you’re under the age of 25.
Benefits and Features
Once you become a Citizens Bank account holder, you’ll enjoy a range of benefits and features, including:
Branches, ATMs, and Citizens Virtual Assistant
Citizens Bank has over 1,000 branches and 3,000 ATMs, making it easy for you to access your funds. Some branches even have the Citizens Virtual Assistant™, allowing you to speak with a live person for assistance.
Easy Ways to Pay
Whether you prefer using a contactless debit card, a digital wallet, Zelle®, or traditional checks, Citizens Bank offers multiple options for making payments.
Overdraft Solutions
Take control of your overdrafts with Overdraft Choices®, $5 Overdraft Pass®, and Citizens Peace of Mind. These solutions help you manage your finances and avoid unexpected costs.
Citizens Paid Early™
With direct deposit, you can receive your funds up to 2 days early. This feature allows you to access your money sooner, reducing the risk of overdrafts and giving you a head start on paying bills.
Citizens Peace of Mind™
Accidents happen, but Citizens Peace of Mind can help you avoid unexpected overdraft costs. This feature provides added security and peace of mind for your banking needs.
Mobile App
Download the Citizens Bank mobile app to conveniently deposit checks, transfer funds, pay bills, and manage your debit card. The app also allows you to freeze and unfreeze your debit card easily.
Safe and Secure
Rest assured knowing that your purchases are protected by 24/7 monitoring and fraud alerts. Citizens Bank also offers Zero Liability coverage, further safeguarding your account.
Citizens Checkup®
Access personal guidance for your account through a Citizens Checkup®. This service, free for all Citizens Bank customers, offers customized financial advice and helps you plan for your future. Checkups are available in branches or over the phone.
Interested in Applying for a Citizens Bank Account? Learn More Here!
If you’re ready to open a Citizens Bank account, the next step is to apply. Visit the Citizens Bank website to find out how to apply for your chosen checking account and start enjoying its benefits.
