Citizens Bank · U.S. checking accounts

One Deposit Checking from Citizens

Everyday U.S. checking with a $9.99 monthly maintenance fee that can be waived by making one deposit each statement period.

Pros

One deposit per statement period can waive the monthly fee
No minimum ongoing balance requirement

Cons

$9.99 monthly unless at least one deposit posts before the statement period ends.
Paid overdrafts can cost $35 per item, up to five fees per business day; exceptions and Peace of Mind reversal conditions apply.
Non-Citizens ATM transactions cost $3 plus any owner charge.
Check Citizens service-state availability before applying.
Paper statements cost $3; electronic statements avoid the fee. Returned overdraft items have no fee. The opening guide allows a deposit of any amount.

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

Costs and key facts

Recurring fee	9.99 (currency not confirmed)
Minimum opening deposit	Not confirmed
SSN requirement	Not confirmed
ITIN accepted	Not confirmed
Credit check	NotStated

Fee waiver: Make at least one deposit before the end of the statement period to waive the $9.99 monthly maintenance fee. The account guide specifies no minimum amount for the qualifying deposit. Other account fees and eligibility requirements apply.

Eligibility and application requirements

U.S. address: Not confirmed

Residency and other conditions: One Deposit Checking is subject to Citizens identity, address, service-state availability and approval requirements. Confirm the required tax ID and documents for your immigration status directly with a branch; a universal no-SSN route is not established here.

Geographic restrictions: Citizens personal checking is offered in CT, DC, DE, FL, MD, MA, MI, NH, NJ, NY, OH, PA, RI, VT and VA.

Product review: 17 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	35 (currency not confirmed)
Outgoing domestic wire	30 (currency not confirmed)
Incoming wire	Not confirmed
Outgoing instant transfer	Not confirmed
Incoming instant transfer	Not confirmed
Global remittance	Not confirmed · Other-services schedule: domestic outgoing non-repetitive $30 (repetitive $18); domestic incoming $18 by mail, $28 phone or $26 fax. Foreign incoming $12 in USD/$10 foreign currency; foreign outgoing non-repetitive $40 USD/$15 foreign currency. Bank/FX charges may apply. Source: https://www.citizensbank.com/dam/ceb2aa29-d6d9-4973-8a02-b3fa012f5f28/personal-fees-original-file.pdf
Allpoint ATM	Not confirmed
Other ATMs	Citizens ATMs are free. Non-Citizens ATM transactions cost $3 plus any ATM-owner fees.
Cash deposit	Not confirmed