North One vs Citizens Bank

North One is a good business banking features and tools with no monthly fees. How does it compare to Citizens Bank? Read our comparison chart below.

North One offers business banking with built-in financial tools. You get unlimited sub-accounts, a bill pay feature, and app integrations.

While Citizens Bank has over 1,000 branches on the East Coast. It offers a wide range of banking products and services, as well as financial tools to keep you on track. The GoalTrack Savings program offers gift card incentives for reaching your savings goals.

Compare North One with Citizens Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	North One	Citizens Bank

	Visit Site	Learn More
	SPECIAL OFFER North One Free Business Banking - Up to 2.50% APY - Learn More Read North One Review	SPECIAL OFFER Personal Checking Account - $400 Bonus - Learn More Read Citizens Bank Review
	Benefits and Features
Savings	No savings account, but you can create unlimited envelopes for savings goals	Several types of Savings accounts. 0.01% APY. No minimum opening deposit. $4.99 monthly maintenance fee, unless you have a minimum daily balance of $200 in your account, or have a qualifying Citizens Bank checkings account.
CD		Several types of CD accounts. Terms ranging from 10-14 month. 2.75% - 3.50 APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $1000 for 14-Month and $25000 for 10-Month online CD.
Checking	$0 monthly fee; no balance requirements
Monthly Fee	$0
Money Market		Several types of Money Market accounts. 0.01% APY. No minimum opening deposit. Monthly maintenance fee of $10, unless you have a minimum daily balance of $2500. Other Money Market accounts have no monthly maintenance fee but require qualifying Citizens Bank Checking Account.
APY	up to 3.00% APY for Plus Accounts; up to 2.50% APY for Standard Accounts that meet eligibility requirements
Minimum Deposit to Open	$50
ACH Transfer Fee	$0
ATMs	38,000+ MoneyPass ATMs	3,300+ ATMs across 14 states
Balance Requirement	None
Cash Deposit Fee	up to $4.95; 1 refund/month (Standard members); 3 refunds/month (Plus members)
Customer Service	Phone, email, and live chat: Monday - Sunday, 8 am - 10 pm EST.	24/7 Telephone Customer Service
Incoming Wire Transfer Fee	$0 for domestic wires
IRA CD		Terms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee.
Locations	Online only	1,000+ branches in 14 states
Out of Network ATM Fee	Fee from ATM owner
Outgoing Wire Transfer Fee	$20 for domestic wires
Overdraft Fee	$0
	CreditDonkey® Reviews

Checking
Fees
Mobile App
Customer Service
Savings
CD
Money Market
Pros & Cons	Pros: No monthly fees Unlimited envelopes App integrations Cons: No international wires Cash deposit fee	Pros: One Deposit Checking Citizens Savings Tracker 24/7 customer service Cons: Low APY Heavy overdraft fees Limited branches
Bottom Line	Good business banking features and tools with no monthly fees... Read full review	East Coast bank with solid deposit products to help meet goals... Read full review
	Visit Site	Learn More
	North One Free Business Banking - Up to 2.50% APY North One Plus Business Banking - Up to 3.00% APY North One Free Business Banking - Up to 2.50% APY	Personal Checking Account - $400 Bonus Citizens Bank High Yield Online Savings - 3.70% APY 10-Month CD - 3.50% APY
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. North One: Information sourced from the published website as of 02/25/2025. Citizens Bank: Pricing information from published website as of 04/18/2025 based on 10011 zip code.

North One Free Business Banking - Up to 2.50% APY

2.50% APY on balances up to $250,000 for eligible customers
Business banking for teams
Automatic invoice ingestion and payments
Sales and revenue analytics
Unlimited account envelopes
Close to 100 integrations
Over $5000 in perks for new customers
No monthly fees, no application fees, no minimum balance

North One is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, Member FDIC.

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North One Plus Business Banking - Up to 3.00% APY

3.00% APY on balances up to $250,000 for eligible customers
Priority email/chat support
Dedicated relationship manager
Implementation and onboarding assistant
$0 same-day ACH payments, bill payments, and physical checks
Lowest transaction fees
$50 minimum opening deposit
$20 monthly fee

North One is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, Member FDIC.

Learn More

North One Free Business Banking - Up to 2.50% APY

2.50% APY on balances up to $250,000 for eligible customers
Unlimited envelopes for all your business budgets
Integrations with popular accounting and payment processing apps
Automate your bill payments
$50 minimum opening deposit

North One is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, Member FDIC.

Learn More

Which is Better: North One or Citizens Bank?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing North One or Novo.

In short: North One's mobile app is outstanding.