Citizens Bank · U.S. checking accounts

Citizens Student Checking

Checking with no monthly maintenance or overdraft fees and no fixed opening-deposit minimum. At least one owner must be under 25 at opening. Noncitizens can use a branch; accounts convert to One Deposit Checking once all owners are 25 or older.

Pros

No monthly maintenance fee while the Student Checking age rules apply.
No Citizens overdraft or returned-item fee.
No Citizens transaction fee for other-bank ATMs; owner charges may still apply.
No paper statement fee.

Cons

At least one owner must be under 25 at opening.
Converts to One Deposit Checking when all owners are 25 or older, under that account’s then-current terms.
Online age and citizenship or resident-alien criteria apply; minors and other applicants should confirm a branch route.
Check Citizens service-state availability.

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

Costs and key facts

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

Fee waiver: Student pricing while an owner is under 25; conversion to One Deposit Checking when all owners are 25 or older.

Eligibility and application requirements

U.S. address: Not confirmed

Residency and other conditions: At least one owner must be under 25 at opening. Individual online applicants must be 18 or older and U.S. citizens or resident aliens; applicants outside that route should contact a branch. Applicants age 14–16 need an adult parent or guardian as a joint owner. Confirm noncitizen identity and tax documents with the branch before applying.

Geographic restrictions: 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	No Citizens ATM transaction fee, including at other banks’ ATMs. ATM owners may still charge their own fees.
Cash deposit	Not confirmed