One Deposit Savings has no minimum deposit requirements and a 0.01% APY. While all have low or no fees, they also earn lower-than-average interest rates, well below the over 4% APYs some of the best savings accounts currently offer. You have three savings options from Citizens: One Deposit Savings, Citizens Quest Savings and Citizens Wealth Savings. $25 waived with a $5,000 deposit per cycle or maintaining a $25,000 monthly combined balance $10 waived by making at least one deposit per payment cycle It doesn’t earn interest but comes with no monthly service fees. Citizens Student Checking: Citizens also offers a Student Checking account to individuals under 25.CNET reached out to Citizens but we have not heard back. The APY for this account is not confirmed online. It has a minimum balance requirement of $200,000, earns interest and has no monthly service fee. Citizens Wealth Checking: This is Citizens’ premium checking account.Citizens Quest Checking has no overdraft fees. Its $25 monthly service fee can be waived by making a deposit of $5,000 per cycle or by maintaining a monthly balance of $25,000. Citizens Quest Checking: This account earns interest at a rate of 0.05%.There are no overdraft fees associated with this account. Citizens EverValue Checking: This account doesn’t earn interest and has a $5 monthly service fee.You won’t earn interest with One Deposit Checking - and there’s an overdraft fee of $35. You can waive its $10 monthly service fee by making at least one deposit of any amount per payment cycle. One Deposit Checking: Its most basic account, One Deposit Checking, doesn’t require a minimum balance.Some product details, like interest rates, monthly service fees and overdraft fees, vary between accounts. We also like that you can get paid up to two days early if you set up direct deposit - however, it’s worth noting many other banks also offer this feature.Ĭitizens has five checking accounts: One Deposit Checking, Citizens EverValue Checking, Citizens Quest Checking, Citizens Wealth Checking and Student Checking.Īll Citizens checking accounts offer debit cards, Zelle and access to over 3,000 Citizens ATMS. We do like that Citizens offers a variety of checking and savings options with no minimum deposits and no or low monthly fees. If you live outside Citizens’ service areas, you can bank online with Citizens Access, though its interest rates are lower than average. Less competitive interest rates than other big banksĬitizens may offer convenient locations if you’re looking for in-person banking and live in one of the 14 states with local branches: Connecticut, Delaware, Florida, Maryland, Massachusetts, Michigan, New Hampshire, New York, New Jersey, Ohio, Pennsylvania, Rhode Island, Vermont and Virginia.Multiple checking and savings account options.Citizens Paid Early offers early access to your paycheck with direct deposit.You can manage your accounts online or on its mobile app.Over 1,000 branches and 3,000 ATMs in the Northeast, Midwest and Florida.

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