Choose your account
Personal Money Market
A simple way to save for larger goals with a competitive interest rate.
Monthly maintenance fees
- $0 or $10
- Keep a minimum daily balance of at least $2,500 to waive the fee
- Standard check fees apply
Interest rates1
Citizens Quest® Money Market
Must have a Citizens Quest® Checking account.
Monthly maintenance fees
- $0 with Citizens Quest Checking
Interest rates1
A minimum of $25,000 of new money is required to qualify for preferred rates.
Additional information
- No fee for checks
- Unlimited ATM transactions at other banks' ATMs with no fee from us2
Citizens Private Client™ Money Market
Must have a Citizens Private Client Checking account.
Monthly maintenance fees
- $0 with Citizens Private Client™ Checking
Interest rates1
A minimum of $25,000 of new money is required to qualify for preferred rates.
Additional information
- Get all the same benefits as Citizens Quest Money Market, plus unlimited rebates on ATM fees charged by other banks
Additional features and benefits
- Visit us at over 1,000 branches and over 3,000 ATMs, many of which include our Citizens Virtual Assistant™ where you can speak with a live person.
- Use your contactless debit card, Digital Wallet3, Zelle®4 or checks.
- Bank securely with 24/7 fraud monitoring, alerts and Citizens Zero Liability protection for debit cards.5
- Get paid up to 2 days early when you have direct deposit.6
Citizens Checkup®
Enjoy personal guidance on your account. We understand that it can be hard to know where to start when it comes to your finances. With a Citizens Checkup®, our bankers can help you focus on what’s important and map out a plan for your future.
- Free for all Citizens customers
- Bankers will assess and develop a customized approach to your needs
- Help you start or modify your financial journey
- Help you track for retirement and more
- Appointments are available in branch or by phone
© Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC
All accounts and services are subject to individual approval.
* FDIC insurance up to the maximum amount allowed by law.
1 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.
2 Non-Citizens ATM owners may charge a fee.
3 Wireless carrier, text and/or data charges may apply.
4 U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees. Data charges may apply.
5 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.
6 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.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
