Personal

Citizens Bank knows there is no one-size-fits-all checking solution, so we have crafted two personal checking account options. Each option provides convenient services, such as online banking and basic personal checking services in Michigan, Ohio and Wisconsin. Some personal checking accounts earn interest for those who need the benefits of both checking and savings. 

If you need a checking account, you can open one online today, call 1-800-444-6989, or visit your nearest Citizens Bank office.

Features

 

Free 'N Easy
CheckingSM

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Bonus
CheckingSM

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This free checking option is perfect as a starter banking account, or if you just need no-nonsense, free checking. Our Bonus CheckingSM option delivers a competitive interest rate checking account. Get the benefits of checking and savings when you open or upgrade your checking account.
What is the opening deposit? $50 $50
Is there a minimum balance? No $1,000 minimum daily balance or $10,000 combined average daily balance each month.1
Is there a maintenance fee? No $15 per month. Avoided by meeting the minimum balance requirement.2
Can this account earn interest? No Yes, Current Rates
Can non-Citizens Bank ATM fees be waived? No No
Can I get a free debit card? Yes Yes
Can I get free checks? No No
Can I get online banking? Yes, with free standard Bill Pay and online alerts. Yes, with free standard Bill Pay and online alerts.
Can I get a loan discount? Yes, 0.50% with auto pay from a Citizens Bank checking or savings account.3 Yes, 0.50% with auto pay from a Citizens Bank checking or savings account.3
Additional Benefits
Free 'n Easy
CheckingSM
Bonus
CheckingSM

The Citizens Bank Simple Switch makes it easy to switch your accounts. When all of your accounts are working together on your behalf, the results will amaze you!

Open your new account online today! For personal assistance, please call 1-800-444-6989, visit your nearest branch office, or send a secure email to make all of your accounts happy together at Citizens Bank.

1The minimum daily balance is the ledger balance in your account any calendar day. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The combined average daily balance is the aggregate average daily balance in accounts linked to the checking account held by the same primary account holder.

2Bonus Checking fees can be offset by the combined average daily balances in the primary owner's Savings, CDs, and IRAs. See your Citizens Banker or call our client support number for all account requirements.

3If you currently have, or sign up for, a Citizens Bank checking or savings account and keep this account open for the term of your loan, you may be eligible for as much as a 0.50% loan discount by signing up for Auto Pay, which automatically withdraws your monthly payment from your Citizens Bank account on a set date each month. Indirect loans and mortgages do not qualify for this loan discount.

Get complete details about Citizens Bank checking accounts and opening new accounts online.

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