Citizens Bank Fees
RegionalComplete fee breakdown for Citizens Bank and how it compares to zero-fee alternatives.
Fee Breakdown
Common Fees
Monthly Maintenance:
$11/month
Overdraft Fee:
$39
ATM Fee (out-of-network):
$3
Wire Transfer:
$30
Minimum Balance:
$25
Annual Cost Calculator
Monthly fees (×12): $132
Overdrafts (2×/year): $78
ATM fees (1×/month): $36
Annual Total:
$246
With Holdings: $0
Pros & Cons
Pros
- ✓ Strong regional presence
- ✓ Student-friendly
- ✓ Business banking
Cons
- ✗ High fees
- ✗ Regional limitations
- ✗ Complex fee structure
Key Features
Northeast presence
Student banking
Business services
Business Banking
- • Business checking
- • Business loans
- • Cash management
Compare with Holdings
| Feature | Citizens Bank | Holdings |
|---|---|---|
| Monthly Fee | $11 | $0 |
| Overdraft Fee | $39 | $0 |
| ATM Fee | $3 | $0 |
| Wire Transfer Fee | $30 | $0 |
| Minimum Balance | $25 | $0 |
| APY | 0.01% | 1.75% |
| Business Tools | Basic | Full Suite |
| Annual Cost | $246 | $0 |
Ready to Eliminate Banking Fees?
Save $246 per year by switching to Holdings. Zero fees, 1.75% APY, and built-in business tools.