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™.

Citizens bank online account