Citizens Bank One Deposit Checking costs $9.99/month, waived with just one qualifying deposit per statement cycle. This is the most lenient waiver condition at any major US bank — even a $1 deposit qualifies. Overdraft fee is $35/item. OON ATM fee is $3.00.
Citizens Bank Fee Schedule 2026
| Fee Type | Amount | Notes |
|---|---|---|
| One Deposit Checking monthly | $9.99 | Waived: 1 qualifying deposit/month |
| Citizens Quest Checking monthly | $25 | Waived: $25,000 combined balance |
| Student Checking | $0 | Age 25 and under |
| Overdraft fee | $35 | Max 5/day ($175/day) |
| OON ATM fee | $3.00 | Plus operator surcharge |
| In-network ATM fee | $0 | Citizens + Allpoint |
| Foreign transaction fee | 3% | — |
| Outgoing domestic wire | $30 | — |
| Incoming domestic wire | $12 | Lower than most competitors |
| Outgoing international wire | $40 | — |
| Stop payment | $35 | — |
| Returned item | $35 | — |
One Deposit Checking: The Easiest Fee Waiver in Banking
Citizens’ One Deposit Checking has the most accessible monthly fee waiver in the industry:
| What Counts as a Qualifying Deposit |
|---|
| Any payroll direct deposit |
| Government benefits (Social Security, SSI) |
| Any ACH transfer from an external bank |
| Any transfer from another Citizens account |
What does NOT count: Cash deposits at branches, check deposits, internal Citizens transfers.
Even a $1 auto-transfer from a linked external bank account satisfies the requirement. This makes One Deposit Checking effectively free for any customer with a linked external account set up.
Overdraft Fee Comparison
| Bank | OD Fee | Max/Day | Grace |
|---|---|---|---|
| Citizens | $35 | $175 | None |
| Huntington | $15 | $60 | 24 hours |
| Regions | $36 | $108 | None |
| Fifth Third | $37 | $185 | None |
| Chase | $34 | $102 | None |
| TD Bank | $35 | $175 | None |
Wire Fee Comparison
| Bank | Outgoing Domestic | Incoming Domestic |
|---|---|---|
| Citizens | $30 | $12 |
| Regions | $25 | $15 |
| Huntington | $25 | $0 |
| TD Bank | $30 | $15 |
| Chase | $25–$35 | $15 |
Citizens’ $12 incoming domestic wire fee is lower than most competitors (who typically charge $15), though Huntington remains the only major bank offering free incoming wires.
Related Guides
- Citizens Bank routing number 2026 — by state, SWIFT CTZIUS33
- Citizens Bank minimum balance 2026 — one deposit to waive fee
- Citizens Bank transfer limit 2026 — Zelle, ACH, wire limits
- Citizens Bank vs TD Bank 2026 — Northeast fee comparison
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