Routing # 111922624 |
Contact Us |
Citizens Bank
  • Home
  • About
  • Personal
    • Checking
    • Savings
    • Personal Loans
    • Money Market
    • CDs and IRAs
    • Credit Cards
  • Business
    • Checking
    • Savings
    • Business Loans
    • Merchant Services
    • Credit Cards
    • Meet Our Lenders
  • Resources
    • News
    • Small Business Resources
    • Digital Banking
    • Fraud Prevention
    • Financial Calculators
    • Online Tutorials
    • Careers
  • Locations
FDIC

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Search Citizens Bank

Press Esc to close

Online Banking & Credit Card Login

Log In
First Time User Forgot Password?
Log In
First Time User Forgot Password?

Personal Checking Accounts

Checking Accounts Designed Around Your Everyday Life

Your checking account should make managing your finances simple, convenient, and dependable. Citizens Bank offers personal checking accounts designed to fit your lifestyle while giving you direct access to real bankers who are ready to help when questions come up.

Compare Personal Checking Accounts

Account Type

Opening Deposit
$100
$500
$1,000
Minimum Balance Fee
No
$7 if average daily balance falls below $750
$10 if average daily balance falls below $1,000
Statements
Free e-statements or paper statements for a $3 monthly fee
Free e-statements or paper statements for a $3 monthly fee
Free e-statements or paper statements for a $3 monthly fee
Interest Bearing
No
Yes*
Variable interest rate based on tier level*
Imaged Copies of Checks Included with Statement
No
Yes
Yes
Additional Features
No fee online banking, mobile deposit**, and bill pay. Unlimited check writing.
No fee online banking, mobile deposit**, and bill pay. Unlimited check writing.
No fee online banking, mobile deposit**, and bill pay. Unlimited check writing.

*Variable Interest Rate: The interest rate will be a variable rate of interest which is set by Citizens Bank from time to time at its sole discretion and which will change without notice to the depositor. The interest rate may be obtained by calling your local branch.

**Mobile Deposit: This service requires approval.

A fee of $10 will be assessed if an account is closed within the first 30 days.

Consumer Rates and Additional Information

Limits and Fees Disclosure

Get the Most Out of Your Account With Account Services

When you open a personal checking account with Citizens Bank, you gain access to convenient banking tools and services designed to help you manage your finances confidently and efficiently.

Use features like:

  • Debit cards [Report lost or stolen card]
  • Mobile and online banking
  • eStatements
  • Mobile deposit
  • Account alerts
  • Direct deposit
  • Secure digital banking tools
  • And more

Whether you’re paying bills, monitoring spending, or managing everyday finances, Citizens Bank gives you the tools to bank how and when you want.

Learn More

bank employee helping customer with papers
smiling woman holding credit card and phone

Connect On the Go With Mobile Banking

Manage your finances wherever life takes you with the Citizens Bank mobile app. Mobile banking gives you secure access to your accounts anytime, helping you stay connected and in control of your finances.

  • With mobile banking, you can:
  • Monitor account activity
  • Deposit checks remotely
  • Transfer funds
  • Pay bills
  • Send and receive payments
  • Access account information securely
  • Manage your finances on the go

Get the convenience and flexibility you need with mobile banking designed to fit your everyday life.

Apple App Store Google Play Store

Reach Your Financial Goals With the Right Banking Products

Support your checking account with additional banking solutions from Citizens Bank. Confidently plan for what’s next with the right guidance by your side.

piggy bank icon


Savings Accounts

Citizens Bank savings accounts make it easier to stay prepared for what’s ahead while keeping your money accessible when you need it.

View Savings Accounts

car icon


Personal Loans

Our personal loans provide flexible financing solutions with guidance from local bankers who will help you understand your options and move forward with confidence.

Learn More About Personal Loans

send or receive money icon



Zelle®

Send and receive money with people you trust using Zelle®. It’s a fast, convenient way to split expenses, pay friends and family, and manage everyday payments directly from your Citizens Bank account.

Learn More About Zelle

vault icon


CDs & IRAs

Prepare for the future with IRAs and CDs designed to help you grow your savings, plan confidently for retirement, and build long-term financial stability.

View CDs and IRAs

Find a Citizens Bank Location Near You

At Citizens Bank, banking starts with real relationships and real conversations. Visit a local branch to speak with a banker, explore checking account options, and find the right solution for your financial needs.

Find a Location

Citizens Bank

Relationship-based banking for communities across Texas, with a team that keeps conversations direct and solutions practical.

Routing # 111922624 | NMLS # 458011
Apple App Store Google Play Store
X

Quick Links


Account Finder Account Services Holidays Positive Pay

Services


Zelle Safe Deposit Box

Connect


Online Banking Login Our Locations Contact Us
©2026 Citizens Bank. All Rights Reserved.

Privacy Policy | Terms of Use

Equal Housing Lender