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    READY FOR
    VIRTUAL FLEXIBILITY

    WE'RE GOING TO COLLEGE.

    Student Checking
    with easy-to-use mobile app

    Open Account

    Balance & Fees

    Any Amount

    Open your account with any amount. Seriously.

    $0

    Monthly maintenance fee for individuals under age 251.

    No Minimum

    Don’t worry about a minimum balance requirement (because there isn’t one).

    Want to Learn More? Download our Account Guide.

    Features & Benefits

    Branches
    and ATMs

    Visit us at more than 1,100 branches and over 2,900 ATMs

    24/7
    Banking

    Bank anytime, anywhere with Online, and Mobile Banking*

    Easy Ways
    to Pay

    Use your debit card, Digital Wallet*, Zelle®2 or checks

    Overdraft Solutions

    Protect yourself with Overdraft Choices® including $5 Overdraft Pass®

    Safety and
    Security

    Bank securely with 24/7 fraud monitoring and Zero Liability protection3

    Personalized Guidance & Service

    Would you like more details from one of our bankers? Click here to schedule an appointment

    3 Easy Steps to Open Your Account Online

    1. Have these ready

      • Driver’s License/State ID
      • Social Security Number
      • Email Address
      • Phone Number

    2. Fill out the application

      • Follow the simple instructions to complete your application

    3. Make Opening Deposit

      • Choose how to fund your opening deposit. Use a debit card or transfer from another bank
      • Submit the application

    Note: You must be a U.S. citizen or resident alien age 18 or older. Not a U.S. Citizen or under 18? Visit us in-branch.

    Ready to open an account?
    Ready to open an account?

    1-877-360-2472Visit a BranchLive ChatOpen Your Account

     

    Student Checking FAQs

    • What do I need to open an account?
      To open a Student Checking account, you need to be under age 25.
      • To open an individual account online, you need to be 18 years of age or older.
      • If you’re age 17 and want to open an individual account, you will need to visit one of our branches. Or, if you’re 17 and want to apply online, you must apply with a joint account holder, such as parent or legal guardian who will be the primary account holder.
      • If you’re age 16, you can open a joint account with a parent or a legal guardian at one of our branches.
    • Is there a monthly maintenance fee for student checking?
      Student Checking has no monthly maintenance fee for account owners under age 25. The account will convert to One Deposit Checking from Citizens Bank® when all account owners are age 25 or older.
    • How can I avoid overdrafting my account?
      Knowing how much money is available in your account is critical to avoiding overdraft situations. Citizens gives you tools that make it easy, such as Online and Mobile Banking, and account alerts. Learn how to manage overdrafts and avoid fees by viewing our Overdraft Choices.
    • How do I use Zelle®?
      Zelle® is a fast and easy way to send and request money directly from almost anyone in the U.S. You can typically send money within minutes using Online and Mobile Banking. Learn more about Zelle®.
    • What is a Citizens Checkup®?

      A discussion with a Citizens Banker who will work with you to ensure you are made ready to address all of your financial priorities.

    • What do I need to open an account?
      To open a Student Checking account, you need to be under age 25.
      • To open an individual account online, you need to be 18 years of age or older.
      • If you’re age 17 and want to open an individual account, you will need to visit one of our branches. Or, if you’re 17 and want to apply online, you must apply with a joint account holder, such as parent or legal guardian who will be the primary account holder.
      • If you’re age 16, you can open a joint account with a parent or a legal guardian at one of our branches.
    • Is there a monthly maintenance fee for student checking?
      Student Checking has no monthly maintenance fee for account owners under age 25. The account will convert to One Deposit Checking from Citizens Bank® when all account owners are age 25 or older.
    • How can I avoid overdrafting my account?
      Knowing how much money is available in your account is critical to avoiding overdraft situations. Citizens gives you tools that make it easy, such as Online and Mobile Banking, and account alerts. Learn how to manage overdrafts and avoid fees by viewing our Overdraft Choices.
    • How do I use Zelle®?
      Zelle® is a fast and easy way to send and request money directly from almost anyone in the U.S. You can typically send money within minutes using Online and Mobile Banking. Learn more about Zelle®.
    • What is a Citizens Checkup®?

      A discussion with a Citizens Banker who will work with you to ensure you are made ready to address all of your financial priorities.

    Still looking for more information? 
    Check out our FAQs section.

    Savings Accounts

    Whatever your goals are, we can help you find ways to live in the moment and still save for tomorrow. Ready to Plan. Ready to Save.

    Learn More

    How your checking account works

    Managing your checking accounts doesn’t have to be complicated. Learn how to take control of your money and avoid overdrafts and fees.

    Learn More

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    *Wireless carrier, text and/or data charges may apply.

    **$1 helps to provide at least ten meals secured by Feeding America® on behalf of local member food banks.

    1At least one account holder must be under 25 years old. Account will switch to One Deposit Checking from Citizens Bank® when all account owners are age 25 or older.

    2Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. You must have a bank account in the U.S. to use Zelle. Don't use Zelle to send money to people you don't know. Data charges may apply.

    3Citizens Bank Zero Liability policy covers U.S.-issued cards only. Does not apply to ATM transactions, PIN transactions not processed by Visa®, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on factors such as gross negligence or fraud, delay in reporting authorized use, investigation and verification of claim and account standing and history. Cardholder must notify Citizens Bank immediately of any unauthorized use. Transaction at issue must be posted to your account before provisional credit may be issued. For additional information, please visit our Citizens Bank Liability page.

    4Automatic Payment Discount Disclosure: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount.

    Visa® is a registered trademark of Visa® International Service Association.

    Apple, the Apple logo, iPad, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

    Android and Google Play are trademarks of Google Inc.
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