Citizens Bank

Headquarters: Elizabethton, Tennessee
Charter: Bank
Assets: $1.4B
Fed district: Atlanta

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

Source: its fee schedule, read Oct 15, 2026.

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Fees against the market

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

Monthly Maintenance
Compared at $9.50, the middle of its prices. Leaves out 1 fee charged on a different basis filed under this fee.
Citizens Bank: $7 to $18
Citizens Bank: $7 to $18
U.S. median: no median
Overdraft (OD)
Citizens Bank: $35
Citizens Bank: $35
U.S. median: no median
Account Research
Citizens Preferred Money Account
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 15, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Tennessee, the Atlanta 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).
Tennessee: Banks and credit unions headquartered in Tennessee that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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

Everyday Checking Monthly Fee$7
per month
Monthly Fee$7
per month
Monthly Service Charge$12
per month
Monthly Service Charge$18
per month
Service charge fee$10
Not compared: Quarterly charge, not monthly
per quarter
Quarterly fee (balance falls below $100)$10
Not compared: Quarterly charge, not monthly
per quarter
Service charge fee$2
per item

Overdraft & NSF

Overdraft fee$35
per item

Fee	Amount	Basis	Note
Account Maintenance
Everyday Checking Monthly Fee	$7	per month	None
Monthly Fee	$7	per month	None
Monthly Service Charge	$12	per month	None
Monthly Service Charge	$18	per month	None
Service charge fee	$10Not compared: Quarterly charge, not monthly	per quarter	None
Quarterly fee (balance falls below $100)	$10Not compared: Quarterly charge, not monthly	per quarter	None
Service charge fee	$2	per item	None
Overdraft & NSF
Overdraft fee	$35	per item	None

Correct a fee source

Oct 15, 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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