Access your money your way!
Open the checking account that suits your unique needs. Citizens Bank & Trust gives you all the convenient features needed to make your banking experience simpler and more intuitive to your lifestyle. Plus, we’ll even help you switch your existing checking account and buy back your old checks and debit cards* from another institution!
Every new personal Checking Solution offers FREE convenience options:
- FREE Debit Card
- FREE Online Banking
- FREE Billpayer
- FREE Mobile Banking
- FREE eStatement
- FREE Switch It Assistance
Checking Solutions
- Elite Checking
- Totally FREE eChecking
- VIP Interest Checking
- 50+ Interest Checking
- Student Checking
- Health Savings Account
- Switch it Assistance
Elite Checking
A tiered earning account for those interested in earning higher interest!
- FREE personalized checks
- Competitive Interest Rates
- Higher interest rates with a balance of $10,000 or more
- Low maintenance fee if daily balance falls below $2,500
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Totally FREE eChecking
A FREE account with eStatement enrollment!
- No minimum balance
- No monthly maintenance fee
- Unlimited check writing
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VIP Interest Checking
Earn interest with the convenience of direct deposit or any automatic payment!
- Competitive interest
- No minimum balance
- No monthly maintenance fee
- Unlimited check writing
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50+ Interest Checking
A perfect account for customers 50 and over!
- Competitive interest
- No minimum balance
- No monthly maintenance fee
- Unlimited check writing
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Student Checking
Just the account for students ages 13 – 18!
- No minimum balance
- No monthly maintenance fee
- FREE school debit card (not all schools available)
- Low $25 minimum opening deposit
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Health Savings Account
Manage your medical expenses and take advantage of tax benefits!
- Carry over balances from year to year
- Keeps monthly health insurance premiums lower
- Qualified medical expenses are tax free
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Switch it Assistance
Switching your bank accounts has never been easier!
- Open your NEW Citizens Bank & Trust Checking account.
- Bring in your previous bank account’s debit cards* and unused checks. We’ll pay you up to $25 toward the purchase of your new checks!
- Make sure all your checks have cleared from your previous bank account.
- Switch your direct deposits and automatic payments by submitting your new account number and the Citizens Bank & Trust routing number: 101901396.
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* Not applicable to student accounts.
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