CHOOSE SECURITY AND VALUE WITH...
Citizens IDSecure Checking
Electronic Banking Package Features - Includes Online Banking, Online Bill Payment, E-statements, Mobile Banking, Mobile Check Deposit*, P2P Transfers, and 24-hour Telephone Banking
- Instant Issue MasterCard Debit Card (school cards available)
- Only $25 Deposit to Open
- No Minimum Balance
- Unlimited Check Writing
- Overdraft Protection available for qualifying customers**
- MoneyPass - Get the cash you need, and never pay a surcharge fee with over 32,000+ MoneyPass ATMs from coast-to-coast.
SECURITY AND VALUE FEATURES:
- Up to $10,000 Identity Theft Expense Reimbursement Coverage2 – to cover expenses associated with restoring your identity.
- Fully Managed Identity Theft Resolution Services – access to a dedicated fraud specialist assigned to manage your case until your identity is restored.
- Credit File Monitoring – daily credit file monitoring and automated alerts of key changes to your single bureau credit report. (registration/activation required)
- Identity Monitoring – Monitoring of more than 1,000 databases and public records to identify suspicious activity, including credit header information, phone records, United States Postal Service records, and more. A risk rating is generated with each monthly scan and if your scan reflects a high-risk score, you will be notified. (registration/activation required)
- Credit Report – ability to request a single bureau report every six months or upon opening a resolution case. (registration/activation required)
- Credit Score3,4 – ability to request a single bureau score every month. (registration/activation required)
- Debit and Credit Card Registration - Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen. (registration/activation required)
- Credit Score Tracker4 – Receive valuable insight into your credit score3
- Online Identity Theft News Center and Valuable Phone and Web Resources (registration/activation required)
- Financial Wellness 360° - Access your financial wellness platform with unlimited one-on-one coaching, interactive courses, videos, booklets, infographics, and more to help maximize financial wellness. (available online only)
ADDITIONAL FEATURES:
- Cellular Telephone Protection - Receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S and abroad. Maximum of two claims per 12 month period. Covers the first three phone on a cellular telephone bill paid through your checking account. $50 deductible applies.
- $10,000 Accidental Death and Dismemberment Insurance Policy - Receive up to $10,000 of 24-hour Accidental Death & Dismemberment Insurance. (Coverage divides equally on joint accounts and reduces by 50% at age 70)
- Earn More Savings - Earn a Higher Savings Rate when you open a new SaveUp Savings account at the same time as your new IDSecure, Reward, Gold Club, or SmartStart checking account. All it takes is a $10 minimum transfer from checking to savings each statement cycle. Learn More
REGISTRATION AND ACTIVATION ARE EASY:
- Go to our Activation Page and follow the simple step-by-step instructions to register and activate benefits (access code is provided in your new account paperwork).
Monthly Fee: $3.95 (free to age 23)
Paper Statement Monthly Fee: $3.00
** OD disclosures apply
CHOOSE INTEREST WITH...
Citizens Rewards Checking
Electronic Banking Package Features - Includes Online Banking, Online Bill Payment, E-statements, Mobile Banking, Mobile Check Deposit*, P2P Transfers, and 24-hour Telephone Banking
- Instant Issue MasterCard Debit Card (school cards available)
- Only $25 Deposit to Open
- No Minimum Balance
- Unlimited Check Writing
- Overdraft Protection available for qualifying customers**
- MoneyPass - Get the cash you need, and never pay a surcharge fee with over 32,000+ MoneyPass ATMs from coast-to-coast.
CITIZENS REWARDS CHECKING FEATURES:
- Earn Our Highest Checking Interest - When you meet these minimum state cycle requirements:
1) 16 MasterCard Debit Card purchases that post and clear
2) One direct deposit that posts
3) Receive your statements electronically (E-statements) - Annual Percentage Yield - Annual Percentage Yield is subject to change. (Interest rates payable based upon account balance)
- Disappearing Fee - Monthly fee of $3.95 disappears when you make 16 or more non-ATM debit card purchases that post and clear during the statement cycle.
- Earn More Savings - Earn a Higher Savings Rate when you open a new SaveUp Savings account at the same time as your new IDSecure, Reward, Gold Club, or SmartStart checking account. All it takes is a $10 minimum transfer from checking to savings each statement cycle. Learn More
Monthly Fee: $3.95 (disappearing fee available)
Paper Statement Monthly Fee: $3.00
** OD disclosures apply
CHOOSE YOUR GOLDEN YEARS WITH...
Citizens Gold Club Checking (for customers age 50 and better)
Electronic Banking Package Features - Includes Online Banking, Online Bill Payment, E-statements, Mobile Banking, Mobile Check Deposit*, P2P Transfers, and 24-hour Telephone Banking
- Instant Issue MasterCard Debit Card (school cards available)
- Only $25 Deposit to Open
- No Minimum Balance
- Unlimited Check Writing
- Overdraft Protection available for qualifying customers**
- MoneyPass - Get the cash you need, and never pay a surcharge fee with over 32,000+ MoneyPass ATMs from coast-to-coast.
- Paper Statement mailed to your door upon request.
- Interest on Your Account (minimum balance applies)
- Special Events
- Complimentary Gold Club checks
- No fee for Cashier's Checks (limit 10 per month)
- 25% Discount on Safe Deposit Box
NEW BENEFITS:
- Resolution Services - Toll-free access to a dedicated consumer fraud recovery specialist who can walk you through the process of reclaiming your identity
- Up to $10,000 Identity Fraud Expense Reimbursement Coverage - For expenses associated with clearing your name and repairing damaged credit should you fall victim to identity theft.
- Earn More Savings - Earn a Higher Savings Rate when you open a new SaveUp Savings account at the same time as your new IDSecure, Reward, Gold Club, or SmartStart checking account. All it takes is a $10 minimum transfer from checking to savings each statement cycle. Learn More
Monthly Fee: $4.95 (Keep an average daily balance of $500 in this account and the monthly fee is eliminated)
** OD disclosures apply
CHOOSE A NEW BEGINNING WITH...
Citizens SmartStart Checking & SmartStart Basic
Electronic Banking Package Features - Includes Online Banking, Online Bill Payment, E-statements, Mobile Banking, and 24-hour Telephone Banking
- Instant Issue MasterCard Debit Card (school cards available)
- Only $25 Deposit to Open
- No Minimum Balance
- Unlimited Check Writing with SmartStart Checking (no check writing with SmartStart Basic)
- Overdraft Protection available for qualifying customers**
- MoneyPass - Get the cash you need, and never pay a surcharge fee with over 32,000+ MoneyPass ATMs from coast-to-coast.
- Fresh Start - Have you had troubled accounts in the past? SmartStart checking gives you the opportunity for a fresh start.
- $3 Savings with Direct Deposit - Monthly fee of $9.95 gets reduced to $6.95 with regular payroll direct deposit.
- Upgrade Accounts - Qualify for one of our other great checking products after 18 months in good standing** with a ReStart Checking account.
- Earn More Savings - Earn a Higher Savings Rate when you open a new SaveUp Savings account at the same time as your new IDSecure, Reward, Gold Club, or SmartStart checking account. All it takes is a $10 minimum transfer from checking to savings each statement cycle. Learn More
Monthly Fee: $9.95 (can be reduced to $6.95 with direct deposit)
Paper Statement Monthly Fee: $3.00
** Good standing is defined as a positive balance and no more than 1 NSF in the last six months.