Citizens Bank

Headquarters: Corvallis, Oregon
Charter: Bank
Assets: $823.4M
Fed district: San Francisco

17 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 6, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Citizens Senior Checking $5 · Citizens Choice Checking $10 · Citizens Elite Checking $15
Compared at $10, the middle of its prices
Citizens Bank: $5 to $15
Citizens Bank: $5 to $15
U.S. median: no median
NSF / Returned Item
Citizens Bank: $6
Citizens Bank: $6
U.S. median: no median
Non-Network ATM
Citizens Bank: $2
Citizens Bank: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 6, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Oregon, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Oregon: Banks and credit unions headquartered in Oregon that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Citizens Bank’s own schedules, with a source for each figure.

Account Maintenance

Citizens Choice Checking Monthly Maintenance Fee$10
per month
Citizens Elite Checking Monthly Maintenance Fee$15
per month
Citizens Senior Checking Monthly Maintenance Fee$5
per month
Research per hour (one hour minimum)$30
Not compared: Charged per hour; comparison unavailable
per hour
Research per page (check or deposit images)$3
per item
Statement Balancing$30
per item · per hour, one hour minimum
Paper Statement fee$5
per month

Overdraft & NSF

Return Item charged back to account (per item)$6
per item
Consumer Overdraft Sweep (per transfer)$5
Not compared: Annual charge, not per item
per year

ATM & Card

ATM Withdrawal (audience not stated, treated as personal)$2
Replacement Debit or ATM Card$10

Wire Transfers

Domestic Wire (outgoing)$25
Domestic Wire (incoming)$15
per item
Foreign Wire (outgoing)$55
Foreign Wire (incoming)$20

Check Services

Cashier's Checks$7
Stop Payment Order (ACH, Debit Card, Check)$30
Stop Payment Renewal (ACH, Debit Card, Check)$30
per item
Foreign Check (cash/deposit, per item)$5
per item
Domestic Collection Fee (incoming & outgoing)$50
Foreign Check Clean Collection (plus foreign bank fees)$50

Account Services

Annual Rent for 10 x 10$105
per year
Annual Rent for 2 x 5$20
per year
Annual Rent for 3 x 10$55
per year
Annual Rent for 3 x 5$30
per year
Annual Rent for 5 x 5$45
per year
Safe Deposit Box$75
per year
Safe Deposit Box Drilling Fees$50
Not compared: Box drilling or key fee
Garnishment Response$100

Other Fees

Additional check fee$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Citizens Choice Checking Monthly Maintenance Fee	$10	per month	None
Citizens Elite Checking Monthly Maintenance Fee	$15	per month	None
Citizens Senior Checking Monthly Maintenance Fee	$5	per month	None
Research per hour (one hour minimum)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Research per page (check or deposit images)	$3	per item	None
Statement Balancing	$30	per item	per hour, one hour minimum
Paper Statement fee	$5	per month	None
Overdraft & NSF
Return Item charged back to account (per item)	$6	per item	None
Consumer Overdraft Sweep (per transfer)	$5Not compared: Annual charge, not per item	per year	None
ATM & Card
ATM Withdrawal (audience not stated, treated as personal)	$2	Not stated	None
Replacement Debit or ATM Card	$10	Not stated	None
Wire Transfers
Domestic Wire (outgoing)	$25	Not stated	None
Domestic Wire (incoming)	$15	per item	None
Foreign Wire (outgoing)	$55	Not stated	None
Foreign Wire (incoming)	$20	Not stated	None
Check Services
Cashier's Checks	$7	Not stated	None
Stop Payment Order (ACH, Debit Card, Check)	$30	Not stated	None
Stop Payment Renewal (ACH, Debit Card, Check)	$30	per item	None
Foreign Check (cash/deposit, per item)	$5	per item	None
Domestic Collection Fee (incoming & outgoing)	$50	Not stated	None
Foreign Check Clean Collection (plus foreign bank fees)	$50	Not stated	None
Account Services
Annual Rent for 10 x 10	$105	per year	None
Annual Rent for 2 x 5	$20	per year	None
Annual Rent for 3 x 10	$55	per year	None
Annual Rent for 3 x 5	$30	per year	None
Annual Rent for 5 x 5	$45	per year	None
Safe Deposit Box	$75	per year	None
Safe Deposit Box Drilling Fees	$50Not compared: Box drilling or key fee	Not stated	None
Garnishment Response	$100	Not stated	None
Other Fees
Additional check fee	$1	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 6, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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