Offer value details
Citizens describes One Deposit Checking as a personal checking account with no minimum balance and a monthly maintenance fee that can be waived with one posted deposit each statement period.
Qualification requirements
Citizens says the monthly maintenance fee is waived when at least one deposit of any amount posts before the end of the statement period. The product page lists direct deposit, transfers, checks, cash, and wires as funding paths.
Fees and costs
The One Deposit Checking account guide lists a $9.99 monthly maintenance fee if the waiver is not met. It also lists possible non-Citizens ATM, stop-payment, overdraft, and other service fees.
Availability
Citizens lists personal checking availability in CT, DC, DE, FL, MD, MA, MI, NH, NJ, NY, OH, PA, RI, VT, and VA. Account opening requires identity information and is subject to Citizens account approval.
What to verify
- The $0 monthly fee requires at least one posted deposit each statement period.
- The account guide lists overdraft, ATM, stop-payment, and other service fees that can apply.
- Citizens personal checking availability is limited to listed states and DC.
Confirm current provider terms
Rates, rewards, fees, qualification rules, eligibility, and deadlines can change. Review the provider terms before applying.