Beyond checking accounts built for you.
Let us help find the best checking account to meet your unique needs.
Enjoy a free instant issue debit card, digital banking services including My Financial Health Suite and Bill Pay, overdraft protection after review, and unlimited check writing with any of the personal checking accounts listed below.
Please note: Digital banking services require enrollment.

Personal Checking
- Minimum amount to open: $50
- $6 service charge with no minimum daily balance required
- Two boxes of Citizens Bank checks per calendar year
- Paper statement included
- No fee Cashier's Checks
- Fee Waivers*
- Small safe deposit box annual fee discount**
*We will waive up to four fees for any stop payment, domestic or foreign wire transfer, return item fee, or overdraft item fee per calendar year upon request.
**Safe deposit box discount is good for $35 toward any safe deposit box annual fee.

BEYOND INTEREST
Personal Checking
- Minimum amount to open: $50
- $10 service charge, waived with $1,000 minimum daily balance
- Interest paid on account at statement drop
- Interest paid on account is subject to change
- Free eStatements*
* eStatements require enrollment in Digital Banking

Personal Checking
- Minimum amount to open: $50
- No service charge or minimum daily balance required*
- Free eStatements*
*eStatements require enrollment in digital banking
Beyond Savings Solutions
Let's work together to go Beyond Savings to meet your financial goals.
Each of our Beyond Savings accounts enjoy digital banking services including My Financial Health Suite.
Please note: Digital Banking services require enrollment.

Personal Savings
- Minimum amount to open: $1,000
- $6 service charge waived with $1,000 minimum daily balance required
- Interest paid monthly at statement drop
- 6 withdrawals per month, $.50 per withdrawal thereafter
- Free eStatements* (eStatements require enrollment in digital banking)

Personal Savings

Personal Savings
- Minimum amount to open: $5
- No service charge fee or minimum daily balance required
- Interest paid yearly on October 31
- 2 withdrawals per period beginning November 1 and ending October 31, $15 per withdrawal thereafter
- Only one account per Tax ID number
- Free quarterly eStatements* (eStatements require enrollment in Digital Banking)

Personal Savings