www.citizensbank.com Open in urlscan Pro
2600:1408:5400:4b2::1f37  Public Scan

Form analysis
2 forms found in the DOM

POST /cfg/custom/404-page-not-found.aspx?submit=true&componentID=1627611238313

<form id="dcom-desktop-search-form" style="all:inherit" action="/cfg/custom/404-page-not-found.aspx?submit=true&amp;componentID=1627611238313" method="post"><input type="submit" style="display:none" class="cbensightenevent" data-cbdata-type="button"
    data-cbdata-reason="dcom-c-navigation-bar"><a class="dcom-nav-desktop-search cbensightenevent" href="#" data-cbdata-type="link" data-cbdata-reason="dcom-c-navigation-bar--------------------------------------"><svg class="dcom-c-navigation-bar__search-icon cbds-c-icon cbds-c-button__icon" aria-label="Search button" focusable="false">
                                    <use xlink:href="/assets/CB_resources/images/cbds-icons/cbds-icons-ui.svg#search"></use></svg></a><input id="dcom-desktop_search-query" type="text" aria-describeby="searchDescrip"
    placeholder="How can we help you?"><span hidden="" id="searchDescrip">How can we help you?</span></form>

POST /cfg/custom/404-page-not-found.aspx?submit=true&componentID=1627611238313

<form id="dcom-mobile-search-form" style="all:inherit" action="/cfg/custom/404-page-not-found.aspx?submit=true&amp;componentID=1627611238313" method="post"><input type="submit" style="display:none" class="cbensightenevent" data-cbdata-type="button"
    data-cbdata-reason="dcom-c-navigation-bar"><a class="dcom-nav-mobile-search cbensightenevent" href="#" data-cbdata-type="link" data-cbdata-reason="dcom-c-navigation-bar-----------------------------"><svg class="dcom-c-navigation-bar__search-icon cbds-c-icon cbds-c-button__icon" aria-label="Mobile Search button" focusable="false">
                           <use xlink:href="/assets/CB_resources/images/cbds-icons/cbds-icons-ui.svg#search"></use></svg></a><input id="dcom-mobile_search-query" type="text" placeholder="How can we help you?"></form>

Text Content

 * Find a Branch/ATM
 * Customer Service

Log in
 * Personal
 * Small Business
 * Corporate
 * Private Bank
 * About Us

How can we help you?
Log in
 * Checking Accounts
   Compare Checking Accounts
 * Savings Accounts
   Compare Savings AccountsMoney Market AccountsCertificates of Deposit (CDs)IRA
   Savings & CDs
 * Credit Cards
   Compare Credit Cards
 * Home Loans
   Mortgages & Home LoansRefinance a MortgageNew Construction LoansHome Equity
   Line of Credit
 * Student Loans
   Undergraduate Student LoansGraduate Student LoansParent LoansRefinancing for
   StudentsRefinancing for Medical ResidentsRefinancing for ParentsScholarship
 * Investing & Wealth Management
   Who We AreWorking with Our AdvisorsPlanning for your Financial GoalsResources
   and ToolsInsightsFind an Advisor
 * Financial Education
   Saving & BudgetingManaging DebtCollegeHome OwnershipRetirement & Wealth
   ManagementSmall Business

 * Banking & Credit Cards
   Business CheckingNonprofit CheckingBusiness Overdraft ChoicesBusiness
   Savings, Money Markets and CDsBusiness Credit CardsBusiness Online & Mobile
   BankingSpecialized CheckingAccount Documents
 * Borrowing & Financing
   Business LendingBusiness Credit CardsSmall Business Administration (SBA)
   LoanPaycheck Protection Program Loan ForgivenessPaycheck Protection Program
 * Managing Cash Flow
   Cash ManagementPayroll ServicesMerchant Services
 * Investing & Benefits
   Employee Benefits SolutionsInvestment ManagementInsurance Protection
 * Point of Sale Financing
   What is Citizens Pay?Developer PortalResource Hub
 * Business Resources
   LearningLease or Buy Equipment CalculatorBusiness Loan CalculatorWorking
   Capital Calculator

 * Goals
   
 * Solutions
   
 * Industries
   
 * Insights
   
 * Why Citizens
   


 * Our Company
   Corporate OverviewOur Vision & ValuesLeadership TeamAwards &
   RecognitionSupplier Information
 * Sustainability & Impact
   Sustainability & ImpactClimate ImpactCitizens in the CommunityColleague
   VolunteerismDiversity, Equity & InclusionSupplier DiversityCareer at
   CitizensCRA Public FileReports & Disclosures
 * Newsroom
   
 * Careers
   
 * Investor Relations
   

✕

 * Personal
   Checking Accounts
   Savings Accounts
   Credit Cards
   Home Loans
   Student Loans
   Investing & Wealth Management
   Financial Education

 * Small Business
   Banking & Credit Cards
   Borrowing & Financing
   Managing Cash Flow
   Investing & Benefits
   Point of Sale Financing
   Business Resources

 * Corporate
   Goals
   Solutions
   Industries
   Insights
   Why Citizens

 * Private Bank
   
 * About Us
   Our Company
   Sustainability & Impact
   Newsroom
   Careers
   Investor Relations

Header Name
 * Find a Branch/ATM
 * Customer Service

Log in
Select a secure login
Personal/Small Business Cash Flow Essentials Commercial Services Credit Card
Online Services Business Credit Card Online Services Access My Mortgage Access
My Personal Loan Access My Student Loan Citizens Pay Clarfeld Client Access
Brokerage Services Pay My Loan Access My Auto Loan Pay My Auto Loan
Personal/Small Business
 * Personal/Small Business
 * Cash Flow Essentials
 * Commercial Services
 * Credit Card Online Services
 * Business Credit Card Online Services
 * Access My Mortgage
 * Access My Personal Loan
 * Access My Student Loan
 * Citizens Pay
 * Clarfeld Client Access
 * Brokerage Services
 * Pay My Loan
 * Access My Auto Loan
 * Pay My Auto Loan

Log in
Trouble logging in?
New to Online Banking? Enroll Now




CITIZENS PEACE OF MIND®

Put your mind at ease with our most popular account. Open a One Deposit Checking
account from Citizens and take advantage of overdraft solutions like Citizens
Peace of Mind.®1

Open Account



Mistakes happen — we know, we’re people too! That’s why at Citizens, if you
overdraw your account, we give you extra time to cover it and get your overdraft
fee rebated.*1


GET AN ALERT2, 3

We’ll reach out first thing in the morning if you overdraw your account.




ADD MONEY TO YOUR ACCOUNT

Get your available balance to $0 or more by 10pm, ET that day. 




GET A REBATE

We’ll rebate your overdraft fee the next day. Easy, right?




HOW DOES IT WORK?

Overdrafts. We’ve all been there. Here’s how Citizens Peace of Mind® makes it
like they never happened.


WEDNESDAY: THE OVERDRAFT

You start the day with $50 in your account. You’re excited about this weekend’s
dinner party and spend a little more than usual on groceries: $150. That’s a
$100 overdraft.



THURSDAY: GET TO $0 OR MORE

Your account is now overdrawn -$135 (an overdraft fee hit it this morning), so
we give you a heads up via text or email2, 3. No worry: You transfer $100 from
your other Citizens account – there’s no need to cover the overdraft fee – and
get on with your day. The transfer must occur before 10 p.m. ET



FRIDAY: GET THE OVERDRAFT FEE REBATED

Nice work, you got your available balance back to $0 and covered your
overdraft!  We'll let you know with another alert that a Citizens Peace of
Mind® rebate hit your account.



WHAT DOES MY DEPOSIT NEED TO COVER?

You don’t need to cover the overdraft fee in your deposit amount — only the
transactions that caused your overdraft, plus any new transactions that process
the same day as your deposit (like a recurring car payment, for instance).


WHICH DEPOSITS OR TRANSFERS QUALIFY FOR A REBATE?

Some deposits such as checks drawn on a bank other than Citizens, even if made
by 10:00 PM ET the next business day, are not available to cover transactions
that day.

Deposits or transfers made by 10 PM ET  Cash at ATM or teller   ATM transfer 
Online Banking transfer between Citizens accounts  Zelle®4   Wire transfer 
 Payroll or recurring direct deposit 
 Citizens check deposited at an ATM or with a teller Citizens check deposited
via mobile deposit in the app  Non-Citizens check deposited at an ATM or with a
teller   Same-day transfer from another bank  Non-Citizens check deposited via
mobile deposit in the app                    For complete details on our funds
availability policy and posting order, view your account agreement.




WHAT’S THE DEADLINE FOR DEPOSITS AND TRANSFERS?

Day of overdraft 

Make a deposit by 10 pm ET on… 

Saturday/Sunday/Monday 

Tuesday 

Tuesday 

Wednesday 

Wednesday 

Thursday 

Thursday 

Friday 

Friday 

Monday 

     If your deadline falls on a bank holiday, you'll have until the next
business day to make a deposit or transfer.




GET A HEADS-UP ON OVERDRAFTS

We’ll send you a text or email when you overdraw your account, so make sure your
contact info is up-to-date. On the mobile app3, tap Profile & Settings from the
main menu. Or sign in at citizensbank.com and click Service Center to review and
update your info.


FREQUENTLY ASKED QUESTIONS




 * How does Citizens Peace of Mind® help me when my account is overdrawn?
   
   When your account is overdrawn, Citizens Peace of Mind gives you additional
   time to add money to your account and get any overdraft fees rebated. You
   have until 10 pm ET the next business day to transfer or deposit eligible
   funds to cover your overdraft as well as any other transactions processing on
   your account that day. If you bring your available balance positive, we will
   rebate any overdraft fees.
 * My account is overdrawn today / My account was overdrawn yesterday. What can
   I do?
   
   
   Great news, with the new Citizens Peace of Mind you have until 10PM ET on
   (business day listed in the table above) to transfer or deposit eligible
   funds to cover the negative available balance (minus overdraft fees) and
   anything else coming out of the account between now and (business day listed
   in the table). 

 * What is the exact amount I need to transfer/deposit? 
   
   
   When determining how much you need to transfer or deposit to take advantage
   of Citizens Peace of Mind, you can check your balance in the Citizens mobile
   app3 or Online Banking and then consider transactions that may post to your
   account that day — such as checks or other debits. As we do not see these
   transactions until they are presented for payments, only you know what
   transactions may post to your account and how much you need to deposit. A
   deposit that only partially covers transactions or overdraft items will not
   result in a fee reversal.

 * The day after my overdraft, I deposited a check from another bank. Why
   weren’t my fees rebated?
   
   
   Citizens Peace of Mind works based on the available balance in your account.
   Not all deposits increase your available balance the same day. For example,
   some deposits – such as checks from a bank other than Citizens – even if made
   by 10 pm ET the next business day, don’t cover transactions that day. But a
   deposit of cash or a Citizens check, or an electronic funds transfer, will
   generally cover the transactions.  

 * I used my account all weekend. Why am I only finding out it’s overdrawn and
   getting fees today (Tuesday)?
   
   
   Transactions that occur over the weekend post to your account on Monday
   night. If the account is overdrawn, the fees will be deducted from the
   account after 11 am on Tuesday. The good news is Citizens offers Citizens
   Peace of Mind®, which gives you until 10 pm ET Tuesday to deposit or transfer
   enough funds to bring your account to a positive available balance and have
   any overdraft fees automatically rebated.

 * I have an overdraft protection plan, Savings Overdraft Protection or
   Overdraft Line of Credit. Do I also get to use Citizens Peace of Mind?
   
   An Overdraft Line of Credit or Savings Overdraft Transfer Plan will apply
   before Citizens Peace of Mind®.  In the event the plan does not fully cover
   the negative balance transaction, then Citizens Peace of Mind® will take
   effect. Any applicable transfer fees will be charged.

Have More Questions? Get more answers in our Full FAQs section.


bankingbankingcheckingoverdraft-peaceofmindviewuaoconsumercb

COMPANY

 * About Us
 * Career
 * Community

HELP

 * Contact Us

RESOURCES

 * Branch Locator

 * 
 * 
 * 
 * 
 * 

 * Site Map
 * About Our Ads
 * Site Requirements
 * Security & Legal
 * Privacy Policy
 * Privacy Rights
 * Accessibility
 * Do Not Sell or Share My Personal Information

© 2024 Citizens Financial Group, Inc. All rights reserved. Citizens is a brand
name of Citizens Bank, N.A. Member FDIC

* IMPORTANT DETAILS ON OVERDRAFT COVERAGE: When we pay a transaction that
overdraws your account, we will charge you an Overdraft Fee of $35 per item
paid. When we return a check or ACH transaction unpaid because your account had
insufficient funds, we will not charge you a fee. We will limit to 5 the number
of Overdraft Fees charged on any one business day, up to a total of $175. Once
you have overdrawn your account, you must bring it to a positive balance as soon
as possible. Whether your overdrafts will be paid is discretionary and we
reserve the right not to pay. For example, we typically do not pay overdrafts if
your account is not in good standing or if the overdraft amount is excessive.

1 Citizens Peace of Mind®: Citizens Peace of Mind provides additional time to
bring your account to a positive available balance and reverse Overdraft Fees.
If your account is overdrawn, you have up until 10:00 PM ET the following
business day (e.g., if your account is overdrawn at the end of the day Monday,
you have until 10:00 PM ET Tuesday) to deposit enough funds to cover all of the
overdraft items (minus the fees), and any additional transactions that post to
the account that day. If the available balance, excluding the overdraft fees, is
positive (greater than or equal to $0) at the end of the following business day,
any overdraft fees will be reversed. When determining the amount you need to
deposit to take advantage of Citizens Peace of Mind, you can check your balance
in the Citizens mobile app or Online Banking and then consider transactions that
may post to your account that day - such as checks or other debits. As we do not
see these transactions until they are presented for payments, only you know what
transactions may post to your account and how much you need to deposit. A
deposit that only partially covers transactions or overdraft items will not
result in a fee reversal. All deposits are subject to our Funds Availability
schedule. This schedule helps you determine when a deposit you make will
increase your available balance. For example, some deposits types such as checks
drawn on a bank other than Citizens, even if made by 10:00 PM ET the next
business day, are not available to cover transactions that day. But a deposit of
cash, a Citizens check, or an electronic funds transfer will generally be
available to cover the transactions. For information on our Funds Availability
Policy, please visit citizensbank.com/overdraft or see your Personal Deposit
Account Agreement. Citizens Peace of Mind is available on personal checking
accounts and does not apply to Overdraft Line of Credit Transfer Fees.

2 Citizens is only able to contact you via text message or email if we have your
up-to-date contact information on file and you have not opted out of receiving
communications from us.

3 Wireless carrier, text and/or data charges may apply if you receive a text
message.

4 U.S. checking or savings account required to use Zelle®. Transactions between
enrolled consumers typically occur in minutes and generally do not incur
transaction fees. Data charges may apply.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services,
LLC and are used herein under license.



 * 
 * 
 * 




DO NOT SELL OR SHARE MY PERSONAL INFORMATION

When you visit our website, we use cookies and other tracking technologies, and
allow our advertising partners to use similar technologies, so we can, among
other things, show you ads promoting Citizens and our services on other sites.
These activities may be considered “sales,” “sharing,” or “targeted advertising”
under applicable laws.

You can opt out of having your personal information used or disclosed for these
purposes via third party tracking cookies on this website by clicking the toggle
buttons below and then clicking the “Confirm My Choices” button.

More information about how we process your personal information, and your rights
can be found in our
Privacy Policy
Allow All


MANAGE CONSENT PREFERENCES

STRICTLY NECESSARY COOKIES

Always Active

These cookies are necessary for the website to function and cannot be switched
off in our systems. They are usually only set in response to actions made by you
which amount to a request for services, such as setting your privacy
preferences, logging in or filling in forms.    You can set your browser to
block or alert you about these cookies, but some parts of the site will not then
work. These cookies do not store any personally identifiable information.

OPT-OUT OF TARGETED ADVERTISING/SHARE/SALE

Opt-out of targeted advertising/share/sale

These cookies may be set through our site by our advertising partners. They may
be used by those companies to build a profile of your interests and show you
relevant adverts on other sites. They do not store directly personal
information, but are based on uniquely identifying your browser and internet
device. If you do not allow these cookies, you will experience less targeted
advertising.

PERFORMANCE COOKIES

Performance Cookies

These cookies allow us to count visits and traffic sources so we can measure and
improve the performance of our site. They help us to know which pages are the
most and least popular and see how visitors move around the site.    All
information these cookies collect is aggregated and therefore anonymous. If you
do not allow these cookies we will not know when you have visited our site, and
will not be able to monitor its performance.

Back Button


COOKIE LIST



Search Icon
Filter Icon

Clear
checkbox label label
Apply Cancel
Consent Leg.Interest
checkbox label label
checkbox label label
checkbox label label

Confirm My Choices