As a significant member under Citizens Financial Group, Inc. (stock code: CFG), Citizens Bank is a longstanding and widely-serviced financial institution in the United States.

As of 2023, the bank operates approximately 1,200 branches and 3,300 ATMs across 14 states nationwide, offering comprehensive banking products and services to its customers.

Account Types and Features

Citizens Bank provides various types of banking accounts to meet diverse customer needs:

Checking Accounts

One Deposit Checking

• Opening Requirements: Any amount
• Features: No minimum deposit requirement, provides debit cards and multiple overdraft solutions, suitable for daily expense management.

Checking Account

• • One Deposit Checking

    • Opening Requirements: Any amount
    • Features: No minimum deposit requirement, provides debit cards and multiple overdraft solutions, suitable for daily expense management.

  • Citizens EverValue Checking

    • Opening Requirements: Any amount
    • Features: No minimum balance requirement, no overdraft fees, ideal for frequent ATM users.

  • Student Checking

    • Opening Requirements: Students under 25 years old
    • Features: No minimum balance requirement or overdraft fees, designed for easy management of daily expenses.

  • Citizens Quest Checking

    • Opening Requirements: Any amount
    • Features: Offers additional free service options, allows unlimited linking of other accounts, suitable for customers needing a multifunctional checking account.

  • Citizens Private Client Checking

    • Opening Requirements: Any amount
    • Features: Offers additional free service options, allows unlimited linking of other accounts, suitable for customers needing a multifunctional checking account.

Saving Account

• • One Deposit Savings: No monthly fee for the first 4 months, then $4.99 per month, offers free overdraft transfer for checking accounts.

  • Citizens Quest Savings: Designed for Citizens Quest Checking Account customers, no monthly fees, interest-bearing, and provides free ATM transactions.

  • Citizens Private Client Savings: It provides no monthly fees and earns interest for Private Client Checking Account customers. They enjoy free ATM and international currency exchange services, with reimbursement of non-Citizens Bank ATM fees each statement cycle.

Opening Bonuses and Special Services

Citizens Bank regularly introduces attractive opening bonus programs for new customers, with specific policies varying by time and region.

Additionally, the bank offers a range of special services including 24-hour customer service, mobile and online banking, digital wallet support, and Zelle transfer capabilities, providing customers with a convenient electronic banking experience.

Requirements and Documents for Account Opening

To open an account at Citizens Bank, you will need to prepare the following basic requirements and documents:

• Must be 18 years of age or older
• Social Security Number (SSN)
• Driver's license or state identification card
• Opening deposit (amount flexible)
• Email address and phone number

If you do not have an SSN or ITIN, you can opt for a Wise multi-currency account as an alternative. Opening an account with Wise is simple and convenient, requiring no SSN or proof of address, and supports multi-currency accounts, making it suitable for users needing to quickly establish a US dollar account.

Conclusion

Citizens Bank offers a wide range of financial solutions for new immigrants, students, and families through its diverse account options, flexible fee structures, and robust service network.

Whether you're looking for a daily checking account or aiming for long-term savings goals, the bank helps you achieve personal and family financial objectives with high-quality customer service and innovative financial tools.