Finance

Oct 16 2017

Checking Accounts #checking, #checking #accounts, #checking #account, #bank #checking #account, #bank #checking #accounts, #bank #account, #bank #accounts


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Checking Accounts

Interest checking, featuring personalized advice and preferred products and services.

Higher Platinum Plus rates plus the same preferred benefits and services as Platinum Checking.

How to Waive the Monthly Fee

$9.99 waived with one deposit each statement period.

$25 waived with $25,000+ in combined monthly balances

Monthly combined balance is calculated by adding the market value of any linked investment account as of the day before your Platinum or Platinum Plus Checking statement date and the average daily balances of all other qualified linked accounts for a specific cycle. This cycle for all qualified deposit accounts begins the day of your last Platinum or Platinum Plus Checking statement and ends the day before the current Platinum or Platinum Plus statement. If you add another qualified linked account to your existing Platinum or Platinum Plus Checking relationship, the cycle begins the day the additional account is linked. Qualified accounts include all linked deposit and investment balances.

across all deposit and investment accounts.

$25 waived with $25,000+ in combined monthly balances

Monthly combined balance is calculated by adding the market value of any linked investment account as of the day before your Platinum or Platinum Plus Checking statement date and the average daily balances of all other qualified linked accounts for a specific cycle. This cycle for all qualified deposit accounts begins the day of your last Platinum or Platinum Plus Checking statement and ends the day before the current Platinum or Platinum Plus statement. If you add another qualified linked account to your existing Platinum or Platinum Plus Checking relationship, the cycle begins the day the additional account is linked. Qualified accounts include all linked deposit and investment balances.

across all deposit and investment accounts AND either $5,000 total deposits posted to the primary checking account before the end of your statement period OR $10,000 average daily checking balance.

Checking Interest Rates

All Citizens Bank deposit accounts are FDIC insured.

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

1 Savings and Money Market Accounts are Regulation D accounts and subject to restrictions and limitations on the types of withdrawals and transfers you may make. Please refer to the Personal Deposit Account Agreement and Fees Features Guide for information on transaction limits and fees.

2 Having a Citizens Bank consumer checking account, set up with automatic monthly payment deduction, is required at time of loan origination to be eligible for the 0.25 percentage point rate discount.

3 Citizens Bank consumer checking account set up with automatic monthly mortgage payment deduction required at time of loan origination to be eligible for the 0.125 percentage point rate discount. One offer per property. Not applicable to Bond or CRA loan programs. Other exclusions and restrictions may apply.

4 Link to multiple Platinum Checking, Platinum Savings and Platinum Money Market accounts with no additional monthly maintenance fees.

5 ATM owner may charge you additional fees.

6 STATEMENT DELIVERY SERVICE CHARGE: A $2.00 statement delivery service charge per statement period will apply to deliver paper statements. A $3.00 statement delivery service charge per statement period will apply to deliver paper statements with check images. However, customers who use eStatements will not incur a statement delivery charge. To enroll in eStatements and get your statements online, visit citizensbank.com/estatements. Statement delivery service charge per statement period does not apply for account owners 65 and older, for account owners under 18 or for braille or large print statements.

7 $12 Transfer Fee per day for each day a transfer(s) occurs. No Transfer Fee will be charged for any day on which all transfers are for overdraft items $5 or less – $5 Overdraft Pass . Transfer Fee waived for Platinum Checking and Platinum Plus Checking accounts. Savings Overdraft Transfers are included in the 6 transfers and preauthorized debits allowed from savings accounts per calendar month. Please refer to your Deposit Account Agreement for more details on Withdrawal Limitations.

8 $30 Annual Fee, $12 Transfer Fee per day for each day a transfer(s) occurs, plus interest on outstanding balances. No Transfer Fee will be charged for any day on which all transfers are for overdraft items $5 or less – $5 Overdraft Pass . Annual Fee waived for Platinum Checking and Platinum Plus Checking accounts. Credit approval required.

Overdrafts are paid at our discretion and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing or if the overdraft amount is excessive. Once you have overdrawn your account you must bring it to a positive balance as soon as possible to avoid additional fees.

Securities, Insurance and Investment Advisory Services are offered through Citizens Securities, Inc. otherwise referred to as Citizens Investment Services. Citizens Securities, Inc. Member FINRA, SIPC. 770 Legacy Place, MLP240, Dedham, MA 02026. (800)942-8300. Citizens Securities, Inc. is an affiliate of Citizens Bank, N.A. and Citizens Bank of Pennsylvania.

Securities and Insurance Products are:
NOT FDIC INSURED NOT BANK GUARANTEED MAY LOSE VALUE NOT A DEPOSIT NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY


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