Citizens One Deposit Checking costs $9.99/month, waived with any one qualifying deposit per statement cycle — one of the easiest waivers among regional banks. EverValue Checking ($10/month, non-waivable) offers a no-overdraft-fee alternative. Citizens has 3,100+ ATMs primarily in the Northeast and Midwest.
Key facts: $9.99/month waived with one deposit; EverValue $10/month with no OD fees; 3,100+ ATMs.
Citizens Bank Checking Options
| Account | Monthly Fee | Waiver | OD Fee | Best For |
|---|---|---|---|---|
| One Deposit Checking | $9.99 | Any one qualifying deposit | $35/item | Most customers |
| EverValue Checking | $10 | None | $0 (declined) | OD-prone customers |
| Citizens Quest | $25 | $25,000 combined balance | $35 | High-balance customers |
| Student Checking | $0 | None (age-based) | $25 | Students under 25 |
One Deposit Checking: The Primary Account
Features:
- Visa debit card
- Zelle
- Bill pay
- Mobile check deposit
- Online and mobile banking
- Direct deposit (use routing number for your state — see Citizens routing number)
- Up to 3,100+ fee-free Citizens ATMs
Fee waiver — what qualifies:
- Any payroll direct deposit
- Government benefit payment (Social Security, SSI, disability)
- Pension or retirement income ACH
- Other qualifying ACH credits
There is no minimum dollar amount for the qualifying deposit. A $1 automatic transfer does not qualify — it must come from an employer, government agency, or recognized ACH source.
EverValue Checking: No Overdraft Fee Option
EverValue is designed as a “safety” checking account:
- $10/month: Cannot be waived, regardless of balance or deposits
- No overdraft: Transactions that would overdraft are declined at point of sale
- No NSF fee: Even returned items carry no fee
- All standard features: Debit card, mobile deposit, bill pay, Zelle
Cost comparison: If you overdraft even once at a standard bank ($35 fee), that’s 3.5 months of EverValue fees. Frequent overdrafters save money on EverValue.
ATM Network
Citizens Bank ATMs: 3,100+ locations in the 14-state branch footprint. Out-of-network ATM fee: $3 per transaction from Citizens, plus the ATM owner’s surcharge. Quest Checking customers receive some ATM fee reimbursements.
Zelle and Digital Features
All Citizens checking accounts include:
- Zelle: Send/receive via Citizens mobile app or online banking
- Citizens Pay: Bill splitting and payment features
- Mobile deposit: Deposit checks via the Citizens app; limits increase with account history
- Account alerts: Balance, transaction, and security notifications
Opening a Citizens Checking Account
Online: Apply at citizensbank.com with SSN, address, date of birth, and a funding source. Most approvals are instant. A minimum opening deposit may be required (varies by promotion; sometimes $0).
In branch: Available at 1,000+ locations in 14 states. Bring government-issued ID and SSN.
Citizens vs. TD Bank Checking
| Feature | Citizens One Deposit | TD Bank Convenience |
|---|---|---|
| Monthly fee | $9.99 | $15 |
| Fee waiver | One deposit/month | $100 min balance |
| Overdraft fee | $35 | $35 |
| ATMs | 3,100+ | 1,300+ |
| Weekend hours | Standard | Yes (many locations) |
Citizens wins on fee waiver ease and ATM network size. TD Bank wins on Saturday and Sunday branch availability.
See also: Citizens Bank review | Citizens savings account | Citizens Bank fees | Citizens vs. TD Bank
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