Citizens Bank · U.S. checking accounts

Citizens EverValue Checking

Branch and digital checking with a fixed $5 monthly fee, no standard overdraft coverage and no overdraft charges. No fixed opening-deposit amount. Newcomers should confirm identity documents and regional availability with Citizens.

Pros

No overdraft fees.
Branch and digital access.

Cons

Fixed $5 monthly maintenance fee; no waiver.
Non-Citizens ATM transactions cost $2.50 plus any owner fee.
Paper statements cost $2; no-fee eStatements are available.
Citizens checking is available only in its listed service states.

Generated from the provider's published terms and reviewed against official sources.

Costs and key facts

Recurring fee	5 (currency not confirmed)
Minimum opening deposit	0 (currency not confirmed)
SSN requirement	Not confirmed
ITIN accepted	Not confirmed
Credit check	NotStated

Fee waiver: The $5 monthly maintenance fee cannot be waived.

Eligibility and application requirements

U.S. address: Not confirmed

Residency and other conditions: Identity verification and account approval apply. Contact a branch about noncitizen documentation; no universal no-SSN route is confirmed.

Geographic restrictions: Citizens checking availability: CT, DC, DE, FL, MD, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA.

Product review: 31 Oct 2026. Source retrieval dates below are separate from editorial verification. An accepted ITIN does not establish residency eligibility.

Compare u.s. checking accounts requirements and costs · How we assess published requirements

Service fees

Overdraft / returned item	0 (currency not confirmed)
Outgoing domestic wire	Not confirmed
Incoming wire	Not confirmed
Outgoing instant transfer	Not confirmed
Incoming instant transfer	Not confirmed
Global remittance	Not confirmed
Allpoint ATM	Not confirmed
Other ATMs	Citizens ATMs are free. Other-bank ATM transactions cost $2.50 per withdrawal, transfer, balance inquiry or mini-statement, plus any ATM-owner charge.
Cash deposit	Not confirmed