Citizens Bank is the dominant Northeast regional bank, with ~1,200 branches across 14 states including Rhode Island (headquarters), Massachusetts, Connecticut, New York, and Pennsylvania. One Deposit Checking waives the $9.99/month fee with just one qualifying deposit per cycle — the lowest activity bar of any major bank. Citizens Financial Group (NYSE: CFG) holds $225+ billion in assets.
Citizens Bank at a Glance
| Feature | Details |
|---|---|
| Headquarters | Providence, Rhode Island |
| Founded | 1828 |
| Assets | ~$225 billion |
| Branches | ~1,200 (14 states) |
| ATMs | ~3,300 + Allpoint |
| Monthly fee (One Deposit Checking) | $9.99 (waivable) |
| Fee waiver | 1 qualifying deposit per month |
| Overdraft fee | $35/item (max 5/day) |
| Daily ATM limit | $500 standard |
| OON ATM fee | $3.00 |
| Outgoing domestic wire | $30 |
| Incoming domestic wire | $12 |
| Customer service | 1-800-922-9999 |
| Phone hours | Mon–Fri 7AM–10PM ET; Sat–Sun 9AM–7PM ET |
| FDIC insured | Yes — $250,000 per depositor |
Citizens Bank Footprint: 14 States
Rhode Island, Massachusetts, Connecticut, New Hampshire, Vermont, Maine, New York, New Jersey, Pennsylvania, Delaware, Maryland, Ohio, Michigan, and Florida.
Checking Account Options
| Account | Monthly Fee | Waiver |
|---|---|---|
| One Deposit Checking | $9.99 | 1 deposit per month |
| Citizens Quest Checking | $25 | $25,000 combined balance |
| Student Checking | $0 | Full-time student, age 25 or under |
All Citizens Bank Guides
- Citizens Bank Routing Number 2026 — routing numbers by state, SWIFT code
- Citizens Bank Fees 2026 — $9.99 monthly, overdraft, ATM, wire fees
- Citizens Bank ATM Limit 2026 — $500/day, 3,300 ATMs, Allpoint
- Citizens Bank Customer Service 2026 — 1-800-922-9999, hours, chat
- Citizens Bank Hours 2026 — branch hours, phone hours, holiday schedule
- Citizens Bank Minimum Balance 2026 — one deposit to waive fee
- Citizens Bank Mobile Deposit Limit 2026 — $5,000/day, cutoff times
- Citizens Bank Transfer Limit 2026 — Zelle, ACH, wire limits
- Citizens Bank vs TD Bank 2026 — Northeast bank comparison
The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy