The short answer
The registry records Citizens Bank Monthly Checking Maintenance Fee as a possible interpretation of CITIZENS MAINT FEE. This descriptor-to-company association has not passed claim-level evidence review. Compare the exact line, amount and posted status with your own receipt or account activity; the name alone cannot confirm the merchant or whether you authorized the payment.
The notes below are unreviewed registry explanations, not confirmation of merchant identity, authorization or current policy. Claim-level source review is pending for this entry.
How Citizens Bank Monthly Maintenance Fees Occur
Unreviewed registry note: On popular accounts like Citizens One Deposit Checking, the monthly maintenance charge of $9.99 is waived as long as you make at least one deposit of any dollar amount each monthly statement period. If you do not receive a direct deposit or deposit a check through the mobile app before the cycle closes, the billing system assesses the charge automatically. Premium checking accounts may require higher daily average balances to keep the monthly fee from triggering.
Unreviewed registry note: If you were charged unexpectedly, contact Citizens customer service right away. Bank representatives frequently offer a one-time courtesy fee reversal for established customers who maintain good account standing. To avoid future maintenance fees, set up a small recurring automatic transfer into your checking account each month, or review your options with a representative to switch into an account product that fits your normal deposit habits.
- Unreviewed registry note: Account received no qualifying deposits during the monthly statement billing period
- Unreviewed registry note: Average daily balance fell below required minimum thresholds on specialized checking tiers
- Unreviewed registry note: Account is an older legacy product subject to monthly service charges
Waiving Fees and Satisfying Deposit Rules
Unreviewed registry note: Make at least one deposit each month to ensure automatic monthly maintenance fee waivers.
- Unreviewed registry note: Log in to online banking and review your account statement closing date.
- Unreviewed registry note: Ensure at least one deposit of any amount (direct deposit, mobile check, ATM transfer) clears each month.
- Unreviewed registry note: Contact Citizens customer support to request a one-time courtesy fee waiver if a deposit was delayed.
- Unreviewed registry note: Review checking account options with customer service to ensure your account matches your financial habits.
Frequently Asked Questions
Unreviewed registry note: Find direct guidance below regarding how maintenance fee waivers work and how to dispute service charges.
How can I avoid the monthly maintenance fee on Citizens One Deposit checking?
Unreviewed registry note: Make at least one deposit of any amount each monthly statement period through direct deposit, mobile check deposit, ATM transfer, or branch deposit.
Part of a family
CITIZENS MAINT FEE is one of the Citizens Bank statement codes registry groups. A shared group does not establish who billed your transaction.
Independent reference — not affiliated with Citizens Bank. Billing names and policies change; verify with the merchant or your bank before acting.
Sources and evidence
Sources may support different parts of this page. A company homepage does not establish a statement descriptor, refund policy or contact detail. Check the claim notes and your own receipt before acting.
- Citizens One Deposit Checking Features and Fee Schedule https://www.citizensbank.com/checking/one-deposit-checking.aspx
- CFPB Guide to Checking Account Maintenance Fees https://www.consumerfinance.gov
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