Citizens Bank National Bank
Phone: (302) 456-7100
Website: http://www.citizensbank.com/branchlocator/?search=19711
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      Requirements for joining:
      
      No
    
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      Debit card fees:
      
      Not currently except foreign bank access fee of $3.00
    
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      Overdraft fees:
      
      1 Overdraft Day, $22 per item, 2 or more Overdraft Days. $37 PER ITEM
    
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      ATM access:
      
      Across ME, VT, MA, RI, CT, eastern NY, NJ, PA, also in Delaware,one in DC and some in northern VA near DC, NC, SC,& some in FL at branches, Cumberland Farms, Acme & Shaws supermarkets, & Sunoco gas stations.
    
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      Checking account fees:
      
      Monthly fee of $4.99 waived if you make 5 qualifying payment transactions per month from your account OR maintain an average balance of $1,500
    
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      Minimum balance requirement:
      
      $1500 (or 5 qualifying transactions per month).
    
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      Minimum opening deposit:
      
      None
    
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      Business hours:
      
      Vary by branch. Newtonville, MA hours: Mon: 9AM-4PM, Tue: 9AM-4PM, Wed: 9AM-4PM, Thu: 9AM-5PM, Fri: 9AM-5PM, Sat: 9AM-12PM, Sun: na
    
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      Online bill payment:
      
      Yes, currently at no charge.
    
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      Mortgages:
      
      No, all done through Royal Bank of Sctland.
    
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      TARP bailout money received:
      
      Royal Bank of Scotland Plc received $84.5 billion in TARP funds (more than 10%)
    
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      TARP bailout money repaid:
      
      5 year pay back agreement
    
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