Citizens Bank and Trust, a traditional bank, offers a fair selection of account options. To find out if Citizens Bank and Trust is right for you, continue reading the review below.
Their accounts are consistent with opening deposits and have similar benefits throughout.
Checking Account Options
Citizens Bank and Trust has a small selection of checking accounts that comes with standard benefits.
Each account has all the benefits a regular checking account normally has.
This standard checking account requires a $50 opening deposit.
There is a monthly fee of $5.95 unless you maintain a daily balance of $2,500.
This checking account is available to senior citizens and can be open with a $50 opening deposit.
To avoid the monthly fee of $5.95, you will need to keep a daily balance of $2,500.
This is an interest bearing account and you can open it with $50.
There is a slightly higher fee of $12, but you can waive it if you manage to maintain a daily balance of $5,000.
Compare Checking Accounts
 • New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities • Chase Mobile® app - Manage accounts, pay bills, send money to friends with Zelle® and deposit checks from almost anywhere. • Chase Overdraft AssistSM – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day* • Help keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock. • Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law. • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs. • Open your account online now • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com. *With Chase Overdraft AssistSM, we won’t charge an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts. |
Savings Account Options
Citizens Bank and Trust has a decent variety of savings accounts that have average minimum opening deposits and balance requirements.
Each account has all the benefits a regular savings account normally has.
With an opening deposit of $50, you can start earning interest on this regular savings account.
There is a very small monthly fee of $1, but you can easily waive the monthly fee by keeping a $100 daily balance.
A kid (under 18) savings account that is completely free in every way!
Kids can earn interest on this account as well without having to worry about any additional fees.
A specific holiday savings account that requires no opening deposit at all!
There are also no monthly fees so enjoy saving for your vacation expenses with ease.
Compare Savings Accounts
 Open a Discover® Online Savings Account for all these features: • Earn $200/$150 Bonus with promo code LOP325 by 9/11/2025 • Earn high interest rate of 3.50% APY • No minimum opening deposit, no minimum balance requirement, and now no fees • Interest on Discover Online Savings Accounts is compounded daily and credited monthly • Manage your account online or with the Discover mobile app • FDIC insurance up to $250,000 • See advertiser website for full details To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code LOP325 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200. What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/11/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. |
Money Market Account Options
Money Market accounts allow for a higher yield and gives access to your funds with either checks or a bankcard.
Citizens Bank and Trust has two money markets that earns tiered interest rates.
You will need a minimum opening deposit of $2,500 and then you will start earning interest.
Keeping a daily balance of $2,500 also will waive the $5 monthly fee.
You will need a much higher opening deposit of $10,000 to start earning interest.
There is a monthly fee of $8, but it can be waived if you manage to keep a daily balance of $10,000.
Compare Money Market Accounts
 • Get started and open a Discover® Money Market Account in 3 easy steps. • Available nationwide online • Earn high yields with flexible access to your cash. • Earn 3.45%% APY balances $100,000 and over • Earn 3.40% APY balances under $100,000 • No hidden fees. No surprises. • Easy cash access via debit or check, or via ATM at over 60,000 no-fee ATMs |
Reasons to Bank with Citizens Bank and Trust
- They offer a fair selection of checking accounts and most of them can earn interest.
- Good ratio of checking to savings accounts.
- They offer a youth savings account that is interest bearing.
- There is a senior checking account that also earns interest.
- They have a holiday savings account for special occasions.
- Conduct all your banking online or through the Citizens Bank and Trust mobile app.
Reasons Not to Bank with Citizens Bank and Trust
- They are only in Florida. There are 14 branches in total.
- Lacking a youth savings account.
- Doesn’t provide a senior checking account.
- Doesn’t have a 24-hour service line.
- Some of their balance requirements are a bit on the high side.
- Their monthly fees vary from low to high.
Citizens Bank and Trust Routing Number
The routing number for Citizens Bank and Trust varies depending on state and regions. You can also check the lower left corner of your Citizens Bank and Trust check.
Contact Customer Service
There is no single toll-free number for this particular Citizens Bank and Trust branch, but you can check here to see if you live near a branch.
How Citizens Bank and Trust Compares
- Chase Bank: Chase is one of the biggest banks in the U.S and offers just about almost everything. Compared to its other competitors, Chase offers much more checking account options.
- Discover Bank: Discover Bank is also an online nationwide bank that offers bonuses for their checking and savings accounts! You can earn cash back rewards when you open a checking account and generous bonuses for opening a savings one.
- Wells Fargo: Located throughout the US with over 5,800 branches and 13,000 ATMs. They offer a variety of deposits accounts, including accounts for teens and customers who need a second chance.
- BAC Florida Bank: Also located in Florida, BAC Florida Bank has very similar account options and prefers you to visit a branch in person to open any of their accounts as well.
Bottom Line
If you live anywhere in Florida and want a bank with simple account options, then perhaps Citizens Bank and Trust has what you’re looking for.
They offer a decent ratio of checking to savings accounts without too many differences. They also have two money market accounts that earn high interest.
However, keep in mind that when you look for a checking or savings account be sure to look into all the fees charged. Don’t focus on the interest rate alone, but on what the account will cost you overall.
If you’re interested in banking with Citizens Bank and Trust, apply today! For more options from a variety of banks, see our list of the best bank promotions!
Leave a Reply