Citizens Bank is the dominant Northeast regional bank, with 966 branches (Federal Reserve, June 30, 2026) across 14 states including Rhode Island (headquarters), Massachusetts, Connecticut, New York, and Pennsylvania. One Deposit Checking waives the $9.99/month fee with just one qualifying deposit per cycle — the lowest activity bar of any major bank. Citizens Financial Group (NYSE: CFG) holds $225+ billion in assets.
Citizens Bank at a Glance
| Feature | Details |
|---|---|
| Headquarters | Providence, Rhode Island |
| Founded | 1828 |
| Assets | ~$225 billion |
| Branches | 966 (14 states) |
| ATMs | ~3,300 + Allpoint |
| Monthly fee (One Deposit Checking) | $9.99 (waivable) |
| Fee waiver | 1 qualifying deposit per month |
| Overdraft fee | $35/item (max 5/day) |
| Daily ATM limit | $500 standard |
| OON ATM fee | $3.00 |
| Outgoing domestic wire | $30 |
| Incoming domestic wire | $12 |
| Customer service | 1-800-922-9999 |
| Phone hours | Mon–Fri 7AM–10PM ET; Sat–Sun 9AM–6PM ET |
| FDIC insured | Yes — $250,000 per depositor |
Citizens Bank Footprint: 14 States
Rhode Island, Massachusetts, Connecticut, New Hampshire, Vermont, Maine, New York, New Jersey, Pennsylvania, Delaware, Maryland, Ohio, Michigan, and Florida.
Checking Account Options
| Account | Monthly Fee | Waiver |
|---|---|---|
| One Deposit Checking | $9.99 | 1 deposit per month |
| Citizens Quest Checking | $25 | $25,000 combined balance |
| Student Checking | $0 | Full-time student, age 25 or under |
All Citizens Bank Guides
- Citizens Bank Routing Number 2026 — routing numbers by state, SWIFT code
- Citizens Bank Fees 2026 — $9.99 monthly, overdraft, ATM, wire fees
- Citizens Bank ATM Limit 2026 — $500/day, 3,300 ATMs, Allpoint
- Citizens Bank Minimum Balance 2026 — one deposit to waive fee
- Citizens Bank Mobile Deposit Limit 2026 — where to find your limit, cutoff and hold rules
- Citizens Bank Transfer Limit 2026 — Zelle, ACH, wire limits
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