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Citizens Quest Checking

About Citizens Bank Checking Accounts

The Citizens Quest Checking from Citizens Bank is one of the top-rated Checking Accounts options evaluated on MoneyCompared, earning an overall product score of 8.8/10. Premier relationship checking account with free wire transfers, rate discounts on mortgages/HELOCs, and Citizens Peace of Mind 24-hour overdraft rebate.

Key highlights include 0.05% APY, a fee structure of $25 Monthly Fee ($0 w/ $5,000 Monthly Deposits or $25,000 Combined Balances), and Up to $400 Checking & Direct Deposit Bonus. Accounts are backed by FDIC Insured up to $250,000 and supported by Citizens Bank's 4.7 / 5.0-rated digital banking experience.

Features

Annual Fee	$25 Monthly Fee ($0 w/ $5,000 Monthly Deposits or $25,000 Combined Balances)
Regular APR / Rate	0.05% APY
Intro Offer / Welcome Bonus	Up to $400 Checking & Direct Deposit Bonus
Savings APY / AER	No Citizens Fee on Out-of-Network ATMs + Peace of Mind Rebate
Minimum Deposit	$0 Minimum to Open
Foreign Transaction Fee	3% Foreign Transaction Fee
Deposit Insurance	FDIC Insured up to $250,000
Mobile App Rating	4.7 / 5.0
Overall Rating	8.8 / 10

About Product

Annual / Monthly Fee: $25 Monthly Fee ($0 w/ $5,000 Monthly Deposits or $25,000 Combined Balances)
APR / APY Rate: 0.05% APY
Intro Offer / Bonus: Up to $400 Checking & Direct Deposit Bonus
Key Benefits: No Citizens Fee on Out-of-Network ATMs + Peace of Mind Rebate
Minimum Requirement: $0 Minimum to Open
Foreign Transaction Fee: 3% Foreign Transaction Fee
Protection: FDIC Insured up to $250,000

Pros

Rate / APR / APY: 0.05% APY
Fee Structure: $25 Monthly Fee ($0 w/ $5,000 Monthly Deposits or $25,000 Combined Balances)
Welcome Offer / Benefit: Up to $400 Checking & Direct Deposit Bonus
Rewards & Highlights: No Citizens Fee on Out-of-Network ATMs + Peace of Mind Rebate

Cons