Student Checking

^† Consists of all active Citizens checking account customers as of 3/13/2023. Subject to change before or after account opening.

* NerdWallet rating as of 12/13/2021. App Store rating as of 3/13/2023 and subject to change before or after account opening. Ratings are out of 5 star total rating scale. Ratings are for informational purpose only. NerdWallet rating is for all Citizens Checking, Savings and CDs. Mobile App rating is for Apple App Store™ Citizens Bank Mobile Banking

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

¹ If you are a Citizens Personal Checking, Savings or Money Market account customer that has set up a direct deposit with a payor, you may be able to get that direct deposit up to two days early with Citizens Paid Early™. Whether a direct deposit is eligible for Paid Early is at our discretion and we cannot guarantee that you will always receive the Paid Early service.

² At least one account holder must be under 25 years old. Account will switch to One Deposit Checking from Citizens™ when all account owners are age 25 or older.

³ Non-Citizens ATM owners may charge a fee.

⁴ Rates accurate as of #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=currentDate# and subject to change before or after account opening. ( #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=Region Label#). Rates apply to new accounts and may not apply to existing accounts. The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the bank’s discretion. Other fees may apply. Fees may reduce earnings.

⁵ Mobile deposit eligibility requirements, deposit limits and other restrictions may apply.

⁶ U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes. Data charges may apply.

⁷ Our Student Checking account does not come with standard overdraft coverage. So, if you don’t have sufficient available funds in your account to cover a transaction, it will be declined and, in the case of checks, bill payments and ACH transactions, the item will be returned unpaid. Overdraft fees do not apply to Student Checking accounts. While Student Checking is designed to prevent overdrafts, there may be times when your account could have a negative balance. This could happen if a purchase you make is approved for one amount, but the final charge is more than your available balance. If a transaction results in a negative balance on your account, we will not charge you an Overdraft Fee. $5 Overdraft Pass® does not apply and student checking accounts are not eligible for Debit Card Overdraft Coverage enrollment. Citizens offers two overdraft plans- Savings Overdraft Transfer Plan and Overdraft Line of Credit. There is no fee for Savings Overdraft Transfer Plan. The transfer fee per day and the annual fee on an Overdraft Line of Credit is waived for Student Checking customers. The Annual Percentage Rate (APR) for an Overdraft Line of Credit is 21% on all outstanding loan balances. Credit approval is required.

⁸ Citizens Zero Liability policy covers U.S.-issued cards only. Does not apply to ATM transactions, PIN transactions not processed by Mastercard, 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 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 Zero Liability page.

⁹ Student Loan Automatic Payment Discount: 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.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

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.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.