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Citizens Bank Promotions
Read our in-depth review of Citizens Bank to see why Citizens Bank scored 3.8 stars out of 5. We like their one deposit checking, goaltrack savings, and 24/7 customer service.
GoalTrack Savings Program – up to $250 in Gift Cards
Add the GoalTrack Savings programs to any eligible Citizens Bank savings account and be rewarded for reaching your goals. Select a target timeframe and monthly savings goal amount. If you achieve your goal, you will receive a gift card. The amount varies based on your monthly savings and the timeframe. To get the minimum bonus, you must save at least $25/month for 8 months (above your existing balance). The most you can receive is a $250 gift card if you save $400/month for 36 months (above your existing balance). Only available to residents of CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT.
Checking Account - $300 Bonus
Open a new One Deposit Checking or Citizens Bank Platinum Checking account and make a direct deposit of $500 or more within 60 days of account opening.
Checking and Savings Account - $600 Bonus
Get $300 when you open a new One Deposit Checking or Citizens Bank Platinum Checking account and make a direct deposit of $500 or more within 60 days of account opening. Get an additional $200 bonus when you add a savings account with a minimum of $15,000 not currently on deposit with Citizens Bank and maintain that balance for 3 months. Earn an additional $100 when you qualify for both the $300 and $200 bonuses.
CollegeSaver Account - $1,000 Cash Bonus
Available to parents with a child under 12. To open, you must make an initial minimum deposit of: $25 if your child is under 6 years old, $500 if your child is over 6 but under 12. You must save the required monthly minimum each year: $25/month if your child is under 6 years old at time of account opening, $50/month if your child is over 6 but under 12 at time of account opening. You are allowed to skip one deposit per year. If the requirements are met, you will receive $1,000 bonus (plus interest) when your child turns 18. Only available to residents of CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT.
Compare Promotions
- Enjoy a $1,000 welcome bonus when you join Sapphire℠ Banking. Within 45 days, transfer a total of $75,000 or more in qualifying new money or securities to a combination of eligible personal checking, savings and/or investment accounts, (excludes any J.P. Morgan retirement accounts and CDs) and maintain that balance for 90 days.
- Enjoy a new kind of banking experience
- No ATM fees worldwide - down the street or around the globe
- Perks that add up - relationship rates, special access and help when you need it
- Open online in minutes
- Email my upgrade code
- Available in: AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KY, LA, MA, MD, MI, MS, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, TN, TX, UT, VA, WA, WI, WV
- Up to 1.25% APY
- No minimum balance requirements
- No fees to open or maintain account
- Overdraft Protection
- Daily Compounding Interest
- FDIC insured
- Earn 1.01% APY
- No monthly account fees
- No minimum balance
- No ATM fees at 32,000+ Moneypass ATMs and up to $12/month refund for any other ATM fees
- Cash back on all debit card purchases
- Up to 1.00% APY on savings
- No ATM fees
Chase Sapphire℠ Checking
Rewards Checking
NBKC Checking Account - 1.01% APY
Open Spend and Save Account - Earn up to 1.00% APY
Citizens Bank Offers You May Have Missed
Don't miss another hot deal. Check back often at CreditDonkey.
Platinum Checking Account – $250 Cash Bonus
Earn $250 when you open a new Citizens Bank Platinum Checking™ account and make a single direct deposit of at least $500 within 60 days of account opening. Bonus will be awarded within 90 days after the direct deposit has been posted. There is a $25 monthly service fee that is waived if you maintain at least $25,000 in combined balances across all deposit and investment accounts. Only available to residents of CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT.
One Deposit Checking Account – $150 Cash Bonus
Earn $150 when you open a new Citizens Bank One Deposit Checking account and make a single direct deposit of at least $500 within 60 days of account opening. Bonus will be awarded within 90 days after the direct deposit has been posted. The $9.99/month service fee is waived when you make a deposit of any amount each statement period. Only available to residents of CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT.
Personal Checking Account - $200 Bonus
Open your first new personal checking account, excluding Student Checking, and have at least one single direct deposit of at least $500 post to your new checking account by the date stated in the fine print. See bank's website for more details.
Personal Checking Account - $400 Bonus
Open your first new personal checking account, excluding Student Checking, and have at least one single direct deposit of at least $1,000 post to your new checking account by the date stated in the fine print. See bank's website for more details.
Personal Checking Account - $600 Bonus
Open your first new personal checking account, excluding Student Checking, and have at least one single direct deposit of at least $2,000 post to your new checking account by the date stated in the fine print. See bank's website for more details.
One Deposit Checking Account - $200 Bonus
Open your first One Deposit checking account until March 21, 2019. Complete at least one single direct deposit of $500 or more post to your new checking account within 60 days of account opening.
Platinum Checking Account - $450 Bonus
Open your first Platinum checking account until March 21, 2019. Complete at least one single direct deposit of $1,000 or more post to your new checking account within 60 days of account opening.
One Deposit Checking Account - Up to $300 Bonus
To get $200 bonus, open your first One Deposit Checking account by January 24, 2019 and make at least one single direct deposit of $500 or more within 60 days of account opening. Open a new Green Savings account at the same time you open a checking account to qualify for an additional $100. Minimum opening deposit is $2,500. Minimum deposit should remain in account for at least 3 months.
Citizens Bank Platinum Checking Account - Up to $500 Bonus
To get $400 bonus, open your first Platinum Checking account by January 24, 2019 and make at least one single direct deposit of $1,000 or more posts to your account within 60 days of account opening. Open a new Platinum Savings account at the same time you open a checking account to qualify for an additional $100 bonus. Minimum opening deposit is $10,000. Minimum deposit should remain in account for at least 3 months.
Citizens Bank has over 1,100 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.
Citizens Bank Promotions
From time to time, Citizens Bank offers cash bonuses for new banking customers. Deals are only available for residents of select States, so make sure you read the fine print carefully.
All Citizens Bank checking accounts offer free online banking, bill pay, and mobile deposits. There are over 3,100 ATMS.
Special Checking Account Features
Citizens checking accounts come with these features:
- $5 Overdraft Pass. If you overdraw your account by $5 or less, you won't pay an overdraft fee.
- Overdraft protection. To cover overdrafts, you can link a Citizens Bank savings account or apply for an Overdraft Line of Credit. Funds will be automatically transferred if you overdraw your checking account. There is a transfer fee, but it's much lower than the overdraft fee.
- Send money with Zelle. Easily send money to anyone with just a U.S. phone number or U.S. email address.
What to Open at Citizens Bank
- GoalTrack Savings Program. This program can be added to any of Citizen Bank's savings accounts. You set a target time-frame and a monthly savings goal amount. If you achieve your goal, you can earn up to $250 in gift cards. The amount varies depending on your goal.
- One Deposit Checking. The service fee for this checking account is easily waived when you make one deposit of any amount each statement period.
- Student Checking. This account is free for students and young adults under 25. Students who are 16 years old can apply for a joint account with a parent or guardian. For individual accounts, you can apply online if you're 18, or in-person at a branch at the age of 17.
How to Avoid Citizens Bank Checking Account Fees
- One Deposit Checking. The $9.99 monthly fee can be waived if you make one deposit of any amount each statement period.
- Platinum Checking. The $25 monthly fee can be waived if you maintain a combined balance of at least $25,000 across all Citizens Bank deposit and investment accounts.
- Platinum Plus Checking. The $25 monthly fee can be waived if you: maintain a combined balance of at least $25,000 across all Citizens Bank deposit and investment accounts, AND have either total deposits of at least $5,000 per month, OR maintain a $10,000 average daily checking balance.
- Student Checking. There is no monthly service fee if you are under 25.
Highlights
Several types of Savings accounts. 0.01% - 0.07% 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 .
Several types of CD accounts. Terms ranging from 12 - 24 months. 0.10% - 1.05% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $1000 for all accounts.
Several types of Money Market accounts. 0.01% - 0.12% 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.
24/7 Telephone Customer Service
More than 3100 ATMs across 11 states.
Terms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee.
More than 1100 branches across the country
Pricing information from published website as of 11/09/2019 based on 10011 zip code.
Citizens Bank | TD Bank | |
|---|---|---|
Benefits and Features | ||
| Savings | Several types of Savings accounts. 0.01% - 0.07% 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 . | 0.05% APY. No minimum deposit. $5.00 monthly fee waived if 1) minimum $300 balance or 2) waived for the first 12 months if with recurring transfer of $25 or more from a TD Bank account. |
| CD | Several types of CD accounts. Terms ranging from 12 - 24 months. 0.10% - 1.05% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $1000 for all accounts. | 0.10% - 1.19% APY (up to 1.35% for Rate Bump APY). Terms of 3 months to 5 years. Minimum deposit of $250. Allows one penalty-free withdrawal (depending on account). |
| Money Market | Several types of Money Market accounts. 0.01% - 0.12% 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. | 0.03% - 0.20% APY (up to 0.25% for Rate Bump APY) for amounts up to $250,000. No minimum deposit. $11 or $12 monthly maintenance fee waived if 1) minimum $2000 balance or 2) over 62 years old. |
| Customer Service | 24/7 Telephone Customer Service | 24/7 Live Customer Service (Telephone) |
| ATMs | More than 3100 ATMs across 11 states. | Approximately 1,300 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida |
| IRA CD | Terms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee. | 0.10% - 1.19% APY (up to 1.35% for Rate Bump APY). Terms of 3 months to 5 years. Minimum deposit of $250. Additional contributions and penalty-free withdrawal available (depending on account). |
| Locations | More than 1100 branches across the country | 1300 locations along the east coast. |
Citizens Bank: Pricing information from published website as of 11/09/2019 based on 10011 zip code. TD Bank: Pricing information from published website as of 11/08/2019 based on 08034 zip code. | ||
Citizens Bank Alternatives
- Enjoy a $1,000 welcome bonus when you join Sapphire℠ Banking. Within 45 days, transfer a total of $75,000 or more in qualifying new money or securities to a combination of eligible personal checking, savings and/or investment accounts, (excludes any J.P. Morgan retirement accounts and CDs) and maintain that balance for 90 days.
- Enjoy a new kind of banking experience
- No ATM fees worldwide - down the street or around the globe
- Perks that add up - relationship rates, special access and help when you need it
- Open online in minutes
- Email my upgrade code
- Available in: AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KY, LA, MA, MD, MI, MS, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, TN, TX, UT, VA, WA, WI, WV
- No fees
- No minimum opening deposit
- No minimum balance required
- Up to 1.25% APY
- No minimum balance requirements
- No fees to open or maintain account
- Overdraft Protection
- Daily Compounding Interest
- FDIC insured
- Earn 1.01% APY
- No monthly account fees
- No minimum balance
- No ATM fees at 32,000+ Moneypass ATMs and up to $12/month refund for any other ATM fees
Chase Sapphire℠ Checking
Online Savings Account - Earn 1.80% APY
Rewards Checking
NBKC Checking Account - 1.01% APY
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