Citizens Checking Account Review 2026
Citizens Bank’s One Deposit Checking account doesn’t require an opening deposit, but does come with a monthly maintenance fee. It can be waived by making one deposit of any amount each statement period. The account also features overdraft protection and early pay.
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Your checking estimate
Citizens monthly account cost
Net annual value
-$119
Interest minus estimated fees
Fit score
64/100
Based on rate, fees, and how well it fits your balance
SwitchWize take
Access-first checking account
Observed APY
0.02%
Usually secondary to fees
Main catch
Citizens Bank charges a $35 overdraft fee.
Terms checked
Oct 7, 2026
Verified
Checking truth label
Citizens account details that matter
Pros & cons
- The monthly fee is easy to waive.
- One Deposit Checking comes with early direct deposit.
- Customers have some protection against overdraft fees.
- Citizens Bank charges a $35 overdraft fee.
- There’s a $3 fee for using out-of-network ATMs.
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Best for
- Everyday spending
- Direct deposit
- Bill pay
- Debit and ATM access
Not for
- Long-term savings yield
- Idle emergency cash
- Avoiding all fees without checking waiver rules
Access map
What this account is actually good at
0.02%
$10
One Deposit Checking comes with early direct deposit.
Citizens Bank charges a $35 overdraft fee.
Decision checks
Open only if these checks pass
0.02% observed
$10
Citizens Bank charges a $35 overdraft fee.
Use for transactions, not idle savings
Score it by fee avoidance, cash access, and account control before you look at APY.
Track this accountConfirm APY, monthly fee, waiver rules, access features, overdraft terms, transfer limits, and deposit insurance before funding the account.
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