Citizens Bank's student checking options

Citizens Bank offers a Student Checking account designed for customers under 24 years old who are enrolled in a two- or four-year college or university. The account waives the monthly maintenance fee as long as you meet the age and enrollment requirements. Once you turn 24 or are no longer a full-time student, the account converts to a standard checking account with a monthly fee (currently $10 to $15, depending on your region and account features).

The Student Checking account includes a debit card, online and mobile banking, and access to Citizens Bank's ATM network. You can make unlimited debit card transactions and transfers without per-transaction fees. The account does not require a minimum balance to open or maintain, though some Citizens Bank branches may have different rules depending on your state.

To open a Student Checking account, you will need to visit a Citizens Bank branch in person or call their customer service line. You must bring proof of enrollment (a current student ID or enrollment letter from your school) and a valid government-issued ID. Some branches allow online applications for students, but verification of enrollment typically requires a follow-up step at a branch or by phone.

Key Takeaways

  • Citizens Bank's Student Checking waives monthly fees for customers under 24 who are enrolled full-time at a two- or four-year college.
  • The account converts to a standard checking account with a monthly maintenance fee once you turn 24 or leave school.
  • You must provide proof of enrollment and a valid ID to open the account, either in person at a branch or by phone with verification.
  • The account includes a debit card, unlimited transactions, and access to Citizens Bank's ATM network at no per-transaction cost.

What happens when you no longer may have access to as a student

When you turn 24 or stop being a full-time student, Citizens Bank will convert your Student Checking account to a regular checking account. The conversion is automatic—you do not have to do anything. However, the monthly maintenance fee will begin to apply on your next statement cycle after the conversion date.

If you want to avoid the monthly fee after graduation, you have options. You can switch to a different Citizens Bank account type that waives fees (such as an account with direct deposit or a minimum balance requirement), or you can close the account and move your money elsewhere. Some regional banks and credit unions offer no-fee checking accounts for all customers, regardless of age or student status, so it is worth comparing before your conversion date arrives.

How to open a Student Checking account

Start by locating a Citizens Bank branch near you or calling their customer service number (1-800-922-9999). Have your student ID or enrollment letter ready, along with a valid government-issued ID such as a driver's license or passport. The branch representative or phone agent will walk you through the application, which takes about 10 to 15 minutes.

If you apply online, you will still need to verify your enrollment status. Citizens Bank may ask you to upload a photo of your student ID or enrollment letter, or they may contact your school directly to confirm. Once verification is complete, your account will be active and your debit card will arrive by mail within 7 to 10 business days.

Some Citizens Bank branches offer instant debit cards that you can use immediately after opening the account, though this varies by location. Ask the branch representative whether this option is available in your area.

Fees and features to know

While the Student Checking account has no monthly maintenance fee during your student years, other fees may apply depending on how you use the account. Overdraft fees, ATM fees at non-Citizens Bank machines, and wire transfer fees are standard across the banking industry. Citizens Bank's overdraft fee is typically $35 per occurrence, though this can vary by state and account type.

The account includes online bill pay at no charge, mobile check deposit, and the ability to set up automatic transfers. You can link external accounts from other banks to move money in and out. There is no limit on the number of debit card transactions or transfers you can make each month.

If you maintain a minimum balance (usually $500 to $1,000, depending on your region), you may be able to waive certain fees even after conversion. Ask your branch representative about balance-based fee waivers when you open the account, so you know what options exist when your student status changes.

Comparing Citizens Bank to other student checking accounts

Many banks and credit unions offer student checking accounts with similar features: no monthly fees, no minimum balance, and a debit card. The main differences lie in ATM access, mobile app quality, and what happens after graduation.

Some national banks like Chase and Bank of America have student accounts that also waive fees until age 24 or graduation. Credit unions often have lower or no fees even after you stop being a student, but they may have fewer ATM locations. Online banks like Ally and Charles Schwab offer no-fee checking for all customers, with no student verification needed, though they do not have physical branches.

If you already bank with Citizens Bank or have a family account there, opening a Student Checking account is straightforward. If you are choosing between banks, consider whether you value branch access, ATM network size, or mobile app features most highly. Each choice has trade-offs.

What to do if you cannot verify your enrollment

If you are having trouble providing proof of enrollment—for example, if your school has not issued your student ID yet or your enrollment letter is delayed—contact Citizens Bank directly. Some branches will accept alternative documents such as a tuition bill, course registration confirmation, or a letter from your school's registrar office.

If you are between semesters or on a leave of absence, you may still be considered a full-time student depending on your school's definition. Ask your school's registrar whether you may have access to, and bring that confirmation to Citizens Bank. The bank's definition of "full-time student" typically aligns with your school's, but it is worth confirming before you apply.

Frequently Asked Questions

Can I open a Student Checking account online without visiting a branch?

You can start the application online, but Citizens Bank will ask you to verify your enrollment status. This usually means uploading a photo of your student ID or enrollment letter through their app, or calling a branch to confirm. Full account activation may require a branch visit depending on your state and the verification method.

What happens to my debit card when my account converts?

Your existing debit card will continue to work after the conversion. You do not need a new card unless yours expires or is damaged. The card itself does not change—only the account type and fee structure behind it.

Can I have both a Student Checking account and a regular checking account at Citizens Bank?

Yes, you can open multiple accounts at the same bank. Some students keep a Student Checking account for everyday spending and a savings account for emergency funds. Each account is separate, and fees apply to each one based on its type.

Is there a minimum balance requirement for the Student Checking account?

Citizens Bank's Student Checking account does not require a minimum balance to open or maintain the account. However, some branches may have different policies, so confirm with your local branch when you apply.

What if I graduate early or leave school before turning 24?

Your account will convert to a standard checking account as soon as Citizens Bank confirms you are no longer a full-time student. You do not have to wait until age 24. The monthly fee will begin on your next statement cycle after the conversion date.