Citizens Bank Evervalue Checking 2025 Review

Citizens Bank Evervalue Checking is designed to meet everyday banking needs. There are no minimum balance requirements or overdraft fees and you can get paid up to two days early with direct deposit. You'll need to live in a Citizens Bank service area to open this account. 

Citizens Bank Evervalue Checking is a basic checking account that includes everything you need to manage your money. This account is specially designed to prevent overdrafts (and overdraft fees) by declining transactions that would put you in the negative. 

You might consider Evervalue Checking if you:

• Prefer a checking account with no overdraft fees
• Would like to avoid minimum balance requirements
• Are eligible to open an account, based on where you live
• Don't mind paying a monthly maintenance fee

Evervalue Checking is available as a standalone account or as a bundle that includes a OneDeposit Savings account. The APY for OneDeposit Savings is about as low as you can get so if you're looking for a better rate, you might consider a high-yield savings account from another bank.

Compared to Other Checking Accounts

SoFi Checking and Savings

SoFi combines checking and savings in one place for convenient access to your money. You can withdraw cash fee-free at over 55,000 ATMs and earn a competitive interest rate on balances. SoFi also offers direct deposit to get paid up to two days early. 

Read our full editorial review of SoFi Checking and Savings

Axos Bank Rewards Checking

Axos Bank Rewards Checking offers an exceptional rate for an interest checking account. There are no monthly fees or overdraft fees and there's no minimum balance requirement to open an account. As an added bonus, Axos Bank reimburses all domestic ATM fees. 

Read our full editorial review of the Axos Bank Rewards Checking account

Popular Bank Everyday Checking

Popular Bank Everyday Checking is easy and convenient to open, with all the features you'd expect from a basic bank account. You'll need $25 to open the account and you can get started online or in person at a Popular Bank branch. There is a monthly service fee for this account but you can avoid it by meeting a minimum balance requirement. 

Read our full editorial review of the Popular Bank Everyday Checking account

Bank of America Advantage SafeBalance Account

Bank of America Advantage SafeBalance Banking is a great option for students and young adults who are looking for their first checking account. This account doesn't offer paper checks but it does prevent overdrafts. There's a low monthly maintenance fee which is waived when you meet a minimum balance requirement. 

Read our full editorial review of the Bank of America Advantage SafeBalance account

Interest and Rewards

Rewards checking accounts are a great way to earn interest on balances or cash back on debit card purchases. Citizens Bank Evervalue Checking is not a rewards checking account so you won't get either one. 

Should you consider a rewards checking account? Maybe, if you'd like to get a little something extra just for having an account with a particular bank. 

If you're weighing rewards checking options, consider:

• How rewards are structured (i.e., points, cash back, etc.)
• The interest rate, if you're earning interest
• How rewards are applied to your account
• Requirements to earn rewards 

Typically you need to meet a minimum balance requirement, set up direct deposit, or complete a minimum number of transactions per month to earn rewards. Compare the requirements to what you could earn--and what you might pay in monthly fees--to decide if a rewards checking account is worth it. 

Fees

Bank fees can be a real drag and it's helpful to find a bank that's fee-friendly. 

Citizens Bank Evervalue Checking doesn't charge overdraft fees, but there are some other costs to know. Here's how the fees break down.

Other Service Fees - Citizens Bank Evervalue Checking Account

There's no way to waive the $5 monthly fee with this account. If you're looking for a free checking option you'll need to shop around. Online banks are a solid pick for checking accounts with no monthly fees. 

Branch and ATM Access

Citizens Bank has branches in 15 states and the District of Columbia. Pennsylvania has the most branches while Washington, D.C. has the fewest. 

There are more than 3,200 Citizens Bank ATMs you can visit to deposit or withdraw cash. You can also use Allpoint and MoneyPass ATMs nationwide, fee-free. 

You'll pay a fee to use another bank's ATM. Citizens Bank doesn't refund foreign ATM fees. 

If you're ready to open an account you can visit a branch or go online. If you don't live in an eligible area, you'll see a notification on the account opening page telling you the product you've selected is unavailable. 

Account Access

You can manage your Evervalue Checking at Citizens Bank branches, through online banking, and through the mobile app. If you need to deposit money, you can:

• Schedule an ACH transfer
• Set up direct deposit
• Arrange a wire transfer
• Use mobile check deposit
• Deposit cash at a Citizens Bank branch or ATM

You can log in to online and mobile banking to check balances, view statements or transaction history, stop payments, and transfer funds between accounts. Bill pay services are also available at no charge. 

There are limits on how much you can withdraw and spend each day. The limits are:

• $500 for cash withdrawals
• $5,000 for debit card purchases

Citizens Bank offers money transfer services through Zelle. You can log in to the Citizens Bank mobile app to send funds to friends and family using their email address. Zelle transfer limits are available in the mobile app. 

FDIC Insurance

Citizens Bank Evervalue Checking is FDIC-insured. The FDIC offers deposit account coverage to member banks to protect consumers in case of a bank failure. 

The current FDIC coverage limit is $250,000 per depositor, per financial institution. Bank failures are relatively rare but it's good to know you have this coverage in place. 

There's nothing you need to do to sign up for FDIC protection. You're automatically covered when you open an account with an insured bank. 

What You Need to Open

When you're ready to open an Evervalue Checking account you can go online, visit a branch, or call customer service. Citizens Bank will ask you for some information, including your:

• Name
• Date of birth
• Social Security number
• Mailing address
• Email address
• Phone number

If you're opening an account online you'll need a bank account number and routing number for a different account to make your first deposit. If you're opening an account in person you can deposit cash or a check. 

There's no minimum deposit requirement to get started. 

Frequently Asked Questions

Does Citizens Bank have free checking? 

Citizens Bank offers a few checking accounts that have no monthly maintenance fee, or allow you to waive the fee when you meet other requirements. For example, Citizens Beyond Checking has no monthly fee and offers limited check-writing capabilities. This account is designed for teens and students who need a basic checking option. 

Which ATM network does Citizens Bank use?

Citizens Bank customers can use Allpoint and MoneyPass ATMs fee-free. That means you can withdraw cash or check balances at thousands of locations across the country. Note that Citizens Bank does not reimburse you for fees you're charged to use another bank's ATM. 

Can anyone open a Citizens Bank Evervalue Checking account? 

You'll need to live in Citizen Bank's service area to open an Evervalue Checking account. When you visit the Evervalue Checking account product page on the Citizens Bank website, you can enter your ZIP code to see if the account is available where you are.