Personal Checking Accounts with Interest

Open an interest checking account with Citizens Bank, and receive all the great features from our convenient checking packages, plus earn interest on your funds at the same time. Our interest checking accounts are designed with your needs in mind, so you can simplify the way you manage your money.

Open an interest checking account and make the most out of your funds today.

Take Advantage of Interest Checking Account Benefits

As a Citizens Bank customer, you will receive attractive features with your interest checking accounts such as:

Overview

Plans

FAQ's

            You May Be Interested InValue Plan:
            Learn how you can receive over $500 per year in shopping and dining discounts, up
            to $120 cash back a year and additional purchase protection.
Secure Plan:
            Find out how you can get additional identity theft and fraud protection all in one
            place.

            View All Plans

            Monthly Maintenance Fee
        
$9.99
Monthly fee waived if you make 
                5 qualifying payment transactions per month from your account OR maintain an
                average balance of $2,500.

            Minimum Balance to Open
        
Open your account with as little as #P95_MINIMUM_BALANCE#.

            Checks
        
Unlimited check writing.
Order
                checks for a nominal fee.

            Online Banking and Bill Pay
        
Unlimited online access to accounts. Pay bills, make divansfers, set up alerts,
                and more.
Online Banking is safe and secure - 
                    guaranteed.

            Convenience
        
Debit Card.
Access to more than 3,800 ATMs and 1,480 
                branches - many with extended hours.
Instant access to your funds via Direct
                Deposit.

            Plans
        
Value Plan: $6.99 per month
                With Discounts and Coupons, you can save money on dining, movies,
                        concerts, electronics, travel and more. More than $500 a year in potential savings.
                    
With Cash Back with Green$ense®, get 10¢ back for every paperless
                        payment you make, up to $120 a year.
Get three-way protection for all your purchases with Return Guarantee, Price Protection
                        and Warranty Extension.
Plus enjoy access to complimentary grocery coupons.

            
Secure Plan: $6.99 per
                month
                Credit monitoring with TransUnion® gives you immediate
                        notification of any credit report inquiries or changes. Plus, you can request a
                        tri-bureau credit report in the event of an identity theft.
Internet Surveillance with DataPatrol notifies you if your personal
                        information has been compromised online and provides expert support if an issue
                        is discovered.
Card and document registration lets you initiate the cancellation
                        and replacement of lost or stolen credit cards with a single call.

            
Combined Plan: $10.99
                per month. Enjoy the benefits of our Value and Secure Plans while saving over 20%
                per month. 

            Interest Rate
        

            View rates
        

            Pay Yourself First
        
Use Steady Save®
                to set up automatic divansfers to your savings account.
Use GoalTrack Savings to create a plan, divack your  progress, and get rewarded when you reach your goal.

            Customer Service
        
Speak to one of our helpful bankers. 
We make switching to Citizens bank easy with 
                One Switch®.

            Overdraft Protection
        
Link to your other Citizens accounts for 
                overdraft protection1.
Learn about our Standard
                Overdraft Practices

            Safety & Security
        
Peace of mind with FDIC insurance.

^*Annual Percentage Yield

Rates accurate as of 2/12/2012 and subject to change before or after account opening. (#REGION_NAME#). Rates apply to new accounts and may not apply to existing accounts.

¹Usage fee may apply. Applicable accounts include, Lines of credit, Savings accounts and Money Market accounts. All accounts, loans, and services are subject to individual approval. See a banker for details. Other fees may apply.

As a good bank, we make it our business to do more for our customers. That’s why we created Plans—each is carefully designed to give you more by helping you make the most of your money, while keeping everything you have safe and sound. Experience the benefits of Plans for yourself for 30 days at no charge with your first enrollment.

Value Plan

Get up to $620 in savings and cash back, plus added protection for your purchases, for just $6.99 a month.

Secure Plan

Identity theft or fraud incident could cost you thousands. Our Secure Plan can give you peace of mind and protection for just $6.99 a month.

Combined Plan

Maximize your benefits. Get the benefits of both the Value Plan and the Secure Plan while saving 20% every month.

PLANS DISCLOSURE: All benefits, with the exception of the Green$ense benefit, are provided by The CPP Insurance Agency, LLC, which will be referred to as "CPP", or CPP’s third party providers. Citizens Bank is not an affiliate of nor is it responsible or liable for the services provided by CPP.

You must be 18 years or older, a US resident and have or open a Citizens Bank checking account. Only one plan per account.

Value Plan Discounts: Actual savings may vary.

Green$ense: Terms, conditions, restrictions apply. Transactions must post to your account to qualify.

All other benefits: Exclusions and limitations apply. See Terms and Conditions for complete product benefit details. The Purchase Protection programs are administered by TWG Innovation Solutions, Inc., 175 West Jackson Blvd, Chicago, IL 60604 (312) 356-3000 via forms ESP-MEM-I-DOP(8.11), PP-MEM-NT (12.07), and SG-MEM-NT (12.07). Warranty Extension benefits are not available in Maine or Utah, and are provided by National Product Care Company, except in Arizona, Florida, Oklahoma and Wisconsin, where they are provided by Service Saver, Incorporated (FL License Number 80173), both of which are located at 175 West Jackson Blvd, Chicago, IL 60604 (312) 356-3000.

What is a Checking Account?
A checking account is an account, where funds are easily available through different channels (checks, ATM, online bill pay). Because money is available on demand these accounts are also referred to as demand accounts or demand deposit accounts.

How Do I Open an Account?
For your convenience, you can apply for many Citizens Bank personal and business products right online. Just select the appropriate link from the top of this page and find the product you're looking for. You'll find information about applying online on the individual product page. If you prefer, you can also open and account by calling the Citizens Bank PhoneBank at 1-888-910-4100, or by visiting any Citizens Bank branch.

How Do I Transfer Funds?
It's easy to transfer funds yourself by phone: merely call 1-888-910-4100. You can also transfer funds at ATMs or online using Online Banking.

What Kinds of Transactions can I Perform Using Online Banking?
You can review account history and current transactions, transfer funds between accounts, place stop payments, request copies of statements, send customer service requests via secured Email, pay bills, view images of cleared checks, access your checking and savings account statements online, and much more.

How Safe is Online Banking? What Systems Are In Place To Ensure Security?
All account information entered and displayed online is maintained on a secured database encrypted using Secure Socket Layer (SSL) technology. We also protect information stored in our database by hardened connections called Firewalls. Only those devices authorized to communicate with the database can make a connection to the database. Additionally we offer Safe With Citizens to ensure security.

Is Bill Pay available with Mobile Banking?
Yes. Bill Pay is currently available within our iPhone app. You may also access Bill Pay by logging on to online banking and selecting “Pay Bills” for devices that don't currently support bill pay. Be on the lookout for Bill Pay on additional devices with upcoming mobile enhancements.

Get Started With Interest Checking

Opening a checking account has never been easier. Simply apply online, stop by a Citizens Bank branch, or call a customer care representative at 1-877-360-CIRCLE to get started today.

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Citizens Bank is a brand name of RBS Citizens, N.A. and Citizens Bank of Pennsylvania. Deposit accounts held at RBS Citizens, N.A. and Citizens Bank of Pennsylvania are separately insured.