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banking Reviews
Read our Review of
Citizens Bank Caret DownCaret Up
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CITIZENS BANK REVIEW 2023


Written by
Marcos Cabello
Written by Marcos CabelloArrow Right Banking Writer

Marcos Cabello is a banking writer at Bankrate, where he’s dedicated to helping
readers make the best decisions about their finances. Previously, Marcos wrote
about money for CNET and NextAdvisor, running the gamut of personal finance
topics including U.S. economic policy and cryptocurrency.

 * Connect with Marcos Cabello on Twitter Twitter
 * Connect with Marcos Cabello on LinkedIn Linkedin

Marcos Cabello

Edited by
Brian Beers
Edited by Brian BeersArrow Right Managing editor

Brian Beers is the managing editor for the Wealth team at Bankrate. He oversees
editorial coverage of banking, investing, the economy and all things money.

 * Connect with Brian Beers on Twitter Twitter
 * Connect with Brian Beers on LinkedIn Linkedin

Brian Beers
Updated March 28, 2023
Bankrate logo


THE BANKRATE PROMISE

Info More info

At Bankrate we strive to help you make smarter financial decisions. While we
adhere to strict editorial integrity, this post may contain references to
products from our partners. Here's an explanation for how we make money .


ON THIS PAGE

 * At a glance
 * Overall
 * Citizens Bank bank products
 * Bank experience
 * Review Methodology

On This Page Jump to Menu List


AT A GLANCE

3.6
Rating: 3.6 stars out of 5





Bankrate Score
Caret Down

CDs

Rating: 3 stars out of 5






Checking

Rating: 4.5 stars out of 5






Savings

Rating: 2.7 stars out of 5






MMA

Rating: 2.5 stars out of 5






About Bankrate Score


OVERVIEW

Citizens is a good option for consumers living in the 14 states where it has
branches, located in the New England, Mid-Atlantic and Midwest regions. Those
outside of Citizens Bank’s footprint might consider Citizens Access, Citizens
Bank’s online division that began offering accounts in July 2018. While yields
are generally low, most accounts don’t require a minimum deposit to open.


HIGHLIGHTS

 * Highly Rated App
 * Large Branch Network
 * Low Min Deposit


Compare offers
Advertiser Disclosure
Member FDIC
Savings Account
4.00
%
APY
Rating: 4.5 stars out of 5






Bankrate Savings rating = 4.5/5

Bankrate scores are objectively determined by our editorial team. Our scoring
formula weighs several factors consumers should consider when choosing financial
products and services.

Info
Info
$1
Min. balance for APY

Offer details
View offer Arrow Right
Member FDIC
Savings Account
3.75
%
APY
Rating: 4.7 stars out of 5






Bankrate Savings rating = 4.7/5

Bankrate scores are objectively determined by our editorial team. Our scoring
formula weighs several factors consumers should consider when choosing financial
products and services.

Info
Info
$0
Min. balance for APY

Offer details
View offer Arrow Right
Member FDIC
Savings Account
4.25
%
APY
Rating: 5 stars out of 5






Bankrate Savings rating = 5/5

Bankrate scores are objectively determined by our editorial team. Our scoring
formula weighs several factors consumers should consider when choosing financial
products and services.

Info
Info
$0
Min. balance for APY

Offer details
View offer Arrow Right



OVERALL

Citizens Bank offers a large range of banking services that will appeal to a
multitude of customers. From savings and checking accounts to credit cards and
home loans, Citizens Bank can be a one-stop shop for customers looking to save
and borrow. The bank has a sizable branch presence in the New England,
Mid-Atlantic and Midwest regions. While opening a deposit account at Citizens is
very easy, savers can easily find better yields elsewhere.




PROS

 * Checkmark
   
   Citizens has more than 1,200 branches and approximately 3,300 ATMs.

 * Checkmark
   
   Citizens checking accounts have early direct deposit.

 * Checkmark
   
   Citizens’ CD offers a competitive yield.

 * Checkmark
   
   No fee is charged on overdrafts of $5 or less.


CONS

 * ATM fees are waived only with higher status accounts; otherwise, a $3 fee for
   out-of-network ATM withdrawals applies.

 * Yields for money market and savings accounts are low.


CITIZENS BANK BANK PRODUCTS

 * Savings
 * CD
 * Money Market
 * Checking

2.7
Rating: 2.7 stars out of 5





Bankrate Score
Compare top savings rates


CITIZENS BANK SAVINGS OVERVIEW

Citizens Bank offers three savings accounts. The base account, scored for this
section, is the One Deposit Savings account, which can be opened without a
deposit, though you can avoid the $4.99 monthly maintenance fee by making one
deposit every month.

For customers under age 25 or 65 and older, the account is free of a monthly
fee.

The One Deposit Savings account has an APY much lower than the national average;
you can easily find higher yields elsewhere. Those looking for higher rates may
wish to consider an online bank, like Citizens Access, the online-only division
of Citizens Bank.

PROS

 * Checkmark
   
   The One Deposit Savings account can be opened with any deposit amount.

 * Checkmark
   
   Waiving the monthly maintenance fee is easy.

 * Checkmark
   
   There are no limits on withdrawals from savings accounts.

CONS

 * Other banks offer much higher APYs.

 * There’s a monthly maintenance fee; other banks offer completely free
   accounts.

 * There’s a $3 fee per statement if you opt in for paper statements.

Compare Offer
Advertiser Disclosure
Member FDIC
Savings Account
4.00
%
APY
Rating: 4.5 stars out of 5






Bankrate Savings rating = 4.5/5

Bankrate scores are objectively determined by our editorial team. Our scoring
formula weighs several factors consumers should consider when choosing financial
products and services.

Info
$1
Min balance for APY

Offer details
View offer Arrow Right Offer details
3.0
Rating: 3 stars out of 5





Bankrate Score
Compare top CD rates


CITIZENS BANK CD OVERVIEW

Citizens Bank offers just one CD that can be opened online — a 14-month CD that
pays a higher yield than the national average for a one-year CD. The minimum
deposit to open the certificate is $1,000, which is a reasonable price point
considering the competitive APY. Other terms are available, ranging from 3
months to 71 months at varying interest rates, but you must go to a branch to
open these.

Early withdrawal penalties range from 90 days’ interest on the amount withdrawn
for CDs with terms of less than one year to 180 days’ interest for one-year or
longer CDs. In addition, a $50 transaction fee applies to early withdrawals.

Interest earned on CD accounts can be withdrawn before maturity without a
penalty, but only on accounts with a minimum $5,000 deposit.



PROS

 * Checkmark
   
   The 14-month CD offers a competitive APY and can be opened online.

 * Checkmark
   
   Citizens Bank has IRA CDs with terms ranging from one month to ten years.

 * Checkmark
   
   The $1,000 minimum deposit is reasonable.

CONS

 * A $50 transaction fee applies for early withdrawals, in addition to the
   standard early withdrawal penalty.

 * You must visit a branch to open a CD other than the 14-month option.

Compare Offer
Advertiser Disclosure
Member FDIC
CD
5.05
%
APY
Rating: 4.9 stars out of 5






Bankrate CD rating = 4.9/5

Bankrate scores are objectively determined by our editorial team. Our scoring
formula weighs several factors consumers should consider when choosing financial
products and services.

Info
$500
Min. deposit

10 mo
Term

Offer details
View offer Arrow Right Offer details
2.5
Rating: 2.5 stars out of 5





Bankrate Score
Compare top money market rates


CITIZENS BANK MONEY MARKET OVERVIEW

The Personal Money Market account, Citizens Bank’s base account, earns a very
low yield. It doesn’t have a minimum opening deposit requirement, but a $10
monthly service fee applies for accounts with balances that fall below $2,500.
The Personal Money Market account offers check-writing privileges, but you can
also pay from the account with a debit card, digital wallet or Zelle for
person-to-person transactions.

Like most banks, Citizens Bank still limits money market accounts and savings
accounts to six certain withdrawals and transfers per statement cycle.

PROS

 * Checkmark
   
   The Personal Money Market Account has no minimum opening deposit requirement.

 * Checkmark
   
   Check-writing privileges are offered, and the Citizens Quest Money Market
   account has free checks.

CONS

 * The monthly service fee is $10 on accounts that don’t have a balance of at
   least $2,500.

 * Personal money market yields are very low next to nothing for all balances.

4.5
Rating: 4.5 stars out of 5





Bankrate Score
Compare top checking rates


CITIZENS BANK CHECKING OVERVIEW

The One Deposit Checking, Citizens Bank’s base account, can be opened with any
amount of money. There’s a $9.99 monthly service fee that can be avoided by
making at least one deposit into the account each statement cycle.

The account comes with a debit card, which can be linked to your smartphone’s
digital wallet, and Zelle is available for peer-to-peer transactions. The mobile
app receives high marks in the Google Play Store and Apple’s App Store.

Citizens Bank charges $35 per item paid on overdrawn accounts, which is well
above the national average of $29.80, according to Bankrate’s 2022 checking
account and ATM fee study.Even if you sign up for Citizens Bank’s overdraft
protection, you’ll be charged a fee for transferring funds from a savings
account or line of credit if you overdraw your checking account. Moreover, you
won’t be charged an overdraft fee if you overdraw your account by $5 or less or
if you fund your account by 10:00 p.m. Eastern the following business day after
overdrawing your account.



PROS

 * Checkmark
   
   You can open a One Deposit Checking account with any deposit amount.

 * Checkmark
   
   The bank offers early direct deposit.

 * Checkmark
   
   The monthly fee is easy to waive.

 * Checkmark
   
   Customers have some protection against overdraft fees.

CONS

 * The bank charges an overdraft fee of $35, which is above the national
   average.

 * There’s a $3 fee for using out-of-network ATMs.

Compare Offer
Advertiser Disclosure
Member FDIC
Checking Account
1.20
%
APY
Rating: 4.9 stars out of 5






Bankrate Checking rating = 4.9/5

Bankrate scores are objectively determined by our editorial team. Our scoring
formula weighs several factors consumers should consider when choosing financial
products and services.

Info
$0
To open

$0
To avoid fees

Offer details
View offer Arrow Right Offer details


BANK EXPERIENCE

Citizens Bank customers have access to around 1,200 branches and approximately
3,300 ATMs in 14 states in the New England, Mid-Atlantic and Midwest regions.

The bank’s highly rated mobile app on the Google Play Store and Apple App Store
can be used to send money with Zelle, deposit checks, pay bills and more.

Citizens Bank customer service hours are from 7 a.m. to 10 p.m. during the week
and 9 a.m. to 6 p.m. on weekends.





ABOUT CITIZENS BANK

Headquartered in Providence, Rhode Island, Citizens Bank is a large,
full-service regional bank that offers a suite of retail, small business and
commercial banking products, including a wide variety of deposit products for
consumers to choose from.

Citizens operates in 14 states where its some 1,200 branches are located, mainly
in the New England, Mid-Atlantic and Midwest regions. Customers have fee-free
access to approximately 3,300 ATMs scattered throughout the country.

Citizens Bank recently acquired Investors Bancorp and HSBC’s U.S. branches,
enlarging its banking and geographical footprint further.


REVIEW METHODOLOGY

With so many financial institutions to choose from, it can be hard to know who
to trust. Bankrate’s ever-growing list of bank and credit union reviews is
updated regularly. Our editorial team analyzes and reviews each institution
across deposit products such as savings accounts, checking accounts,
certificates of deposit (CDs) and money market accounts (MMAs). Banks are rated
by important factors such as offered interest rates, fees, minimum balance
requirements, access to funds and more.

We assign a score to each type of account and its features, weigh them carefully
based on importance to account holders and determine an overall score. Read our
full review methodology.
Up next
Read more Banking Reviews

ALLY

Rating: 5 stars out of 5





5.0 Bankrate Score

CAPITAL ONE

Rating: 4.8 stars out of 5





4.8 Bankrate Score

TIAA BANK

Rating: 4.7 stars out of 5





4.7 Bankrate Score

AMERICAN AIRLINES FEDERAL CREDIT UNION

Rating: 4.7 stars out of 5





4.7 Bankrate Score

QUONTIC BANK

Rating: 4.7 stars out of 5





4.7 Bankrate Score

LENDINGCLUB BANK

Rating: 4.6 stars out of 5





4.6 Bankrate Score

ALLIANT CREDIT UNION

Rating: 4.6 stars out of 5





4.6 Bankrate Score

QUORUM FEDERAL CREDIT UNION

Rating: 4.6 stars out of 5





4.6 Bankrate Score

SIMPLE

Rating: 4.6 stars out of 5





4.6 Bankrate Score

AMERICAN EXPRESS BANK

Rating: 4.5 stars out of 5





4.5 Bankrate Score
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We are an independent, advertising-supported comparison service. Our goal is to
help you make smarter financial decisions by providing you with interactive
tools and financial calculators, publishing original and objective content, by
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can make financial decisions with confidence.

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The offers that appear on this site are from companies that compensate us. This
compensation may impact how and where products appear on this site, including,
for example, the order in which they may appear within the listing categories,
except where prohibited by law for our mortgage, home equity and other home
lending products. But this compensation does not influence the information we
publish, or the reviews that you see on this site. We do not include the
universe of companies or financial offers that may be available to you.


EDITORIAL DISCLOSURE

All reviews are prepared by our staff. Opinions expressed are solely those of
the reviewer and have not been reviewed or approved by any advertiser. The
information, including any rates, terms and fees associated with financial
products, presented in the review is accurate as of the date of publication.


ADVERTISER DISCLOSURE

We are an independent, advertising-supported comparison service. Our goal is to
help you make smarter financial decisions by providing you with interactive
tools and financial calculators, publishing original and objective content, by
enabling you to conduct research and compare information for free - so that you
can make financial decisions with confidence.

Bankrate has partnerships with issuers including, but not limited to, American
Express, Bank of America, Capital One, Chase, Citi and Discover.


HOW WE MAKE MONEY

The offers that appear on this site are from companies that compensate us. This
compensation may impact how and where products appear on this site, including,
for example, the order in which they may appear within the listing categories,
except where prohibited by law for our mortgage, home equity and other home
lending products. But this compensation does not influence the information we
publish, or the reviews that you see on this site. We do not include the
universe of companies or financial offers that may be available to you.


PNC BANK

Member FDIC
Savings Account Details
4.00
%
APY

$1
Min balance for APY
Offer rate as of 4/5/2023
Interest rate 3.95%
Minimum to avoid fees $0
Monthly fees $0
Check writing No
4.00% Annual Percentage Yield in eligible markets
Get this offer Arrow Right


GOLDMAN SACHS BANK USA

Member FDIC
CD Details
5.05
%
APY

$500
Min. deposit

10mo
Term
Offer rate as of 4/5/2023
Minimum deposit $500
APY may change before CD is opened & funded
Get this offer Arrow Right


SOFI

Member FDIC
Checking Account Details
1.20
%
APY

$0
To open

$0
To avoid fees
Offer rate as of 4/5/2023
Minimum to avoid fees $0
Monthly fees $0
Overdraft/NSF fees $0
Out of network ATM fee $0
Has online access Yes
Get this offer Arrow Right

Bankrate Savings rating = 4.5/5

Bankrate scores are objectively determined by our editorial team. Our scoring
formula weighs several factors consumers should consider when choosing financial
products and services.


PNC BANK

Member FDIC
Savings Account Details
4.00
%
APY

$1
Min balance for APY
Offer rate as of 4/5/2023
Interest rate 3.95%
Minimum to avoid fees $0
Monthly fees $0
Check writing No
4.00% Annual Percentage Yield in eligible markets
Get this offer Arrow Right

Bankrate Savings rating = 4.7/5

Bankrate scores are objectively determined by our editorial team. Our scoring
formula weighs several factors consumers should consider when choosing financial
products and services.


GOLDMAN SACHS BANK USA

Member FDIC
Savings Account Details
3.75
%
APY

$0
Min balance for APY
Offer rate as of 4/5/2023
Interest rate 3.75%
Minimum to avoid fees $0
Monthly fees $0
Check writing No
Grow your savings. No minimum deposit. No fees.
Get this offer Arrow Right

Bankrate Savings rating = 5/5

Bankrate scores are objectively determined by our editorial team. Our scoring
formula weighs several factors consumers should consider when choosing financial
products and services.


LENDINGCLUB

Member FDIC
Savings Account Details
4.25
%
APY

$0
Min balance for APY
Offer rate as of 4/5/2023
Interest rate 4.25%
Minimum to avoid fees $0
Monthly fees $0
Check writing No
Plus, no monthly fees and unlimited free external transfers
Get this offer Arrow Right


ADVERTISER DISCLOSURE

We are an independent, advertising-supported comparison service. Our goal is to
help you make smarter financial decisions by providing you with interactive
tools and financial calculators, publishing original and objective content, by
enabling you to conduct research and compare information for free - so that you
can make financial decisions with confidence.

Bankrate has partnerships with issuers including, but not limited to, American
Express, Bank of America, Capital One, Chase, Citi and Discover.


HOW WE MAKE MONEY

The offers that appear on this site are from companies that compensate us. This
compensation may impact how and where products appear on this site, including,
for example, the order in which they may appear within the listing categories,
except where prohibited by law for our mortgage, home equity and other home
lending products. But this compensation does not influence the information we
publish, or the reviews that you see on this site. We do not include the
universe of companies or financial offers that may be available to you.


ADVERTISER DISCLOSURE

We are an independent, advertising-supported comparison service. Our goal is to
help you make smarter financial decisions by providing you with interactive
tools and financial calculators, publishing original and objective content, by
enabling you to conduct research and compare information for free - so that you
can make financial decisions with confidence.

Bankrate has partnerships with issuers including, but not limited to, American
Express, Bank of America, Capital One, Chase, Citi and Discover.


HOW WE MAKE MONEY

The offers that appear on this site are from companies that compensate us. This
compensation may impact how and where products appear on this site, including,
for example, the order in which they may appear within the listing categories,
except where prohibited by law for our mortgage, home equity and other home
lending products. But this compensation does not influence the information we
publish, or the reviews that you see on this site. We do not include the
universe of companies or financial offers that may be available to you.


ADVERTISER DISCLOSURE

We are an independent, advertising-supported comparison service. Our goal is to
help you make smarter financial decisions by providing you with interactive
tools and financial calculators, publishing original and objective content, by
enabling you to conduct research and compare information for free - so that you
can make financial decisions with confidence.

Bankrate has partnerships with issuers including, but not limited to, American
Express, Bank of America, Capital One, Chase, Citi and Discover.


HOW WE MAKE MONEY

The offers that appear on this site are from companies that compensate us. This
compensation may impact how and where products appear on this site, including,
for example, the order in which they may appear within the listing categories,
except where prohibited by law for our mortgage, home equity and other home
lending products. But this compensation does not influence the information we
publish, or the reviews that you see on this site. We do not include the
universe of companies or financial offers that may be available to you.


ON THIS PAGE

 * At a glance
 * Overall
 * Citizens Bank bank products
 * Bank experience
 * Review Methodology

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