Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. App Store is a service mark of Apple Inc.Īndroid and Google Play are trademarks of Google Inc. Data charges may apply.ħ No Overdraft Fee will be charged on any overdraft item of $5 or less, including ATM and debit card overdrafts if you are enrolled in Debit Card Overdraft Coverage, or when your account is overdrawn and the total overdrawn amount at the end of the same business day is $5 or less.Ĩ Citizens Zero Liability policy covers U.S.-issued cards onlyĪpple, the Apple logo, iPad, and iPhone are trademarks of Apple Inc., registered in the U.S. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.
checking or savings account required to use Zelle®. Account will switch to One Deposit Checking from Citizens™ when all account owners are age 25 or older.ĥ Wireless carrier, text and/or data charges may apply.Ħ U.S. Credit approval is required.Ĥ At least one account holder must be under 25 years old. The Annual Percentage Rate (APR) for an Overdraft Line of Credit is 21% on all outstanding loan balances. The $30 Annual Fee on Overdraft Line of Credit is waived for Student Checking, Citizens EverValue Checking, Citizens Quest Checking, and Citizens Private Client Checking. There is no transfer fee on any day in which all transfer are $5 or less- $5 Overdraft Pass®. The $12 transfer fee per day for Overdraft Line of Credit Plan is waived for Student Checking, Citizens EverValue Checking®, Citizens Quest® Checking, and Citizens Private Client™ Checking. There is no fee for Savings Overdraft Transfer Plan. Citizens Peace of Mind is available on personal checking accounts and does not apply to Overdraft Line of Credit Transfer Fees.ģ Citizens offers two overdraft plans- Savings Overdraft Transfer Plan and Overdraft Line of Credit. For information on our Funds Availability Policy, please visit /overdraft or see your Personal Deposit Account Agreement. But a deposit of cash, a Citizens check, or an electronic funds transfer will generally be available to cover the transactions. For example, some deposits types such as checks drawn on a bank other than Citizens, even if made by 10:00 PM ET the next business day, are not available to cover transactions that day. This schedule helps you determine when a deposit you make will increase your available balance. All deposits are subject to our Funds Availability schedule. A deposit that only partially covers transactions or overdraft items will not result in a fee reversal. As we do not see these transactions until they are presented for payments, only you know what transactions may post to your account and how much you need to deposit. When determining the amount you need to deposit to take advantage of Citizens Peace of Mind, you can check your balance in the Citizens mobile app or Online Banking and then consider transactions that may post to your account that day - such as checks or other debits.
If the available balance, excluding the overdraft fees, is positive (greater than or equal to $0) at the end of the following business day, any overdraft fees will be reversed. If your account is overdrawn, you have up until 10:00 PM ET the following business day (e.g., if your account is overdrawn at the end of the day Monday, you have until 10:00 PM ET Tuesday) to deposit enough funds to cover all of the overdraft items (minus the fees), and any additional transactions that post to the account that day. Whether a direct deposit is eligible for Paid Early is at our discretion and we cannot guarantee that you will always receive the Paid Early service.Ģ Citizens Peace of Mind™: Citizens Peace of Mind provides additional time to bring your account to a positive available balance and reverse Overdraft Fees.
1 If you are a Citizens Personal Checking, Savings or Money Market account customer that has set up a direct deposit with a payor, you may be able to get that direct deposit up to two days early with Citizens Paid Early™.
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