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“It sounds too good to be true” doesn’t apply here. Get free checking and online shopping refunds in a single account.

Key Features

  • Online Purchase Refunds*
  • No Monthly Fee or Minimum Balance
  • Free Debit Card3

Do you currently have an account with Citizens Bank & Trust?

  • Free checking that pays you to shop online
  • Earn $5 in refunds for iTunes® and Amazon® purchases every month*
  • Earn $10 in iTunes or Amazon purchases when you open your account*
  • Refunds on ATM withdrawal fees, nationwide (up to $10 monthly)*
  • No monthly maintenance fees
  • No minimum balance to earn rewards
  • Free digital banking services2, including:
    • Free online banking & bill pay
    • Free mobile banking with mobile deposit
    • Free online statements
  • Unlimited check writing
  • Free Mastercard® debit card3
  • $25 minimum deposit to open

It’s Easy to Earn Your Rewards 

Earning rewards is so easy you're probably already doing it! To earn them, simply do the following activities and transactions in your Kasasa Tunes® account each monthly qualification cycle:

  • Be enrolled in and agree to receive online statements
  • Have at least 10 debit card transactions post and settle

Now you're ready to rock! And if for some reason you don't qualify one month, no worries. Your account is still free. You can get back to earning your full rewards the very next monthly qualification cycle. 

Do you currently have an account with Citizens Bank & Trust?

FEES AND CHARGES. Please refer to the separate fee schedule linked below. A fee schedule will be provided to you at the time you open an account, periodically when fees or charges change, and upon request.

Schedule of Fees

*The minimum to open account is $25. You will be refunded up to $10 for iTunes® and/or Amazon.com® purchases that post and settle your account during the first 30 days after you open account. This sign up reward must be used within 30 days of account opening. In addition, each qualification cycle, earn up to $5 in refunds of iTunes and/or Amazon.com purchases if qualifications are met during previous monthly qualification cycle. Purchases must be made with debit card associated with your Kasasa Tunes account. Qualifying transactions must post and settle to your account during the monthly qualification cycle. Transactions may take one or more banking days from date transaction was made to post to and settle account. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. ATM fees incurred during qualification cycle will be reimbursed up to $10 ($5 per single transaction) if qualifications are met within monthly qualification cycle. iTunes is a registered trademark of Apple, Inc. and Amazon.com is a registered trademark of Amazon Inc. Apple Inc. and Amazon Inc. are not participants in or sponsors of this program. Transfers between accounts do not count as qualifying transactions. ATM-processed transactions and withdrawals do not count towards qualifying transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $4.99 or higher. Non-qualifying accounts will not be eligible to receive ATM fee reimbursements or Kasasa Tunes rewards during the statement cycle(s) that they do not meet qualification criteria.

2Third party fees for Internet, messaging, and data plans may apply.

3Overdraft and returned item fees may apply.