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Checking accounts to fit every need...

With a variety of checking accounts, TCB has one that will fit your needs. Our customer service representatives can help you choose the account. 

Thinking of switching to The Citizens Bank? Our easy Switch Kit will help you gather all the information needed to open an account. Click here for the Switch Kit.

Services Available on All Checking Accounts 

  • Free Online Banking
  • Mobile Banking
  • Free Bill Pay
  • Pay a Person—Electronic Payments
  • Text Banking and Text Alerts
  • Bank to Bank Transfers
  • Free Bank-By-Phone Banking 
  • Free Notary Service
  • Bounce Protection sm 
  • Direct Deposits
  • Automatic Drafts
  • ATM / Visa Check Cards
  • Remote Deposit Anywhere **Available Upon Approval
  • Overdraft protection **Available Upon Credit Approval


Are you looking for an account that will give you peace of mind in this unsure world? With unrivaled security and security, TCB Secure is the way to go.
  • Minimum to Open: $50
  • Minimum Balance Requirement: $0
  • Monthly Service Charge: $6
  • Free Online Banking, Free Bank-By-Phone Banking, Free Notary Service, Visa Check Cards, Automatic Drafts, Direct Deposits, Bounce Protection sm, Remote Deposit Anyhere ,*Available Upon Approval, Mobile Banking, Text Banking and Text Alerts, Pay a Person, Bank to Bank Transfers, Overdraft protection *Available Upon Credit Approval.
  • 3-in-1 Credit File Monitoring 1
  • 3-in-1 Credit Reports 2
  • Credit Score 3
  • Identity Monitoring
  • Up to $10,000 Identity Theft Expense Reimbursement Coverage 4
  • Comprehensive Identity Theft Resolution Services
  • Cellular Phone Protection 4 (Cellular phone bill must be paid using this account)
  • Up to $10,000 Accidental Death & Dismemberment Insurance 4
    (Coverage divides equally on joint accounts and reduces by 50% at age 70.)
  • Up to $100,000 Common Carrier Accidental Death Insurance 4
As a THANK YOU, the monthly fee on the TCB Secure Account is waived for Active Military, Law Enforcement, EMT and Fire & Rescue.

1 Credit file monitoring may take several days to begin following activation. 2 Available quarterly or upon receipt of an alert. 3 Credit Score is a VantageScore 3.0 based on single bureau data. Third parties may use a different VantageScore or type of credit score to assess your creditworthiness. 4 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is offered through the company named in the Guide to Benefit or the certificate of insurance.


For those customers who want the advantages of an interest-bearing checking account with a low minimum balance, we suggest our “TCB Interest” account.

  • Minimum deposit to open: $500
  • Minimum balance requirement: $500
  • Monthly service charge fee: $5 plus 35¢ for each check or debit if your account falls below the minimum requirement
  • Minimum balance to earn interest: $500
  • Interest paid on collected balance. Please see a customer service representative for current rate information


The Citizens Select Account is designed for our exceptional customers who are looking for the highest quality checking account. This interest-bearing account offers many “extras.”

  • Minimum deposit to open: $100
  • Minimum deposit waived if you have the required balance in any of the other accounts listed below:
    • $2,500 in a checking account
    • $10,000 in a savings account
    • $10,000 certificate of deposit
    • $10,000 advanced line of credit
  • Monthly service charge: $18 if balance falls below any minimum balance requirement listed
  • Interest paid on collected balance. Please see a customer service representative for current rate information
  • NO FEE TCB Select checks
  • NO FEE small size safe deposit box or equal credit for one year
  • NO FEE cashier’s checks


Age has its privileges! If you are 50 years old or better and looking for a low-cost account, then this is the interest-bearing checking account for you.

  • Minimum deposit to open: $50
  • No minimum balance requirement
  • No monthly service charge
  • Minimum balance to earn interest: $500
  • Interest paid on collected balance. Please see a customer service representative for current rate information
  • One FREE order of wallet style checks each year (Bank selected)


If you are looking for a checking account with no minimum balance and no monthly service charge fees, “TCB Free” is for you!

  • Minimum deposit to open: $50
  • No Minimum balance requirement
  • No monthly service charge fee