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“It sounds too good to be true” doesn’t apply here. Get a simple account with cash rewards. 

Key Features

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

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

Enjoy our Student Cash Back1 account that earns rewards!

  • Earn $5 cash back each qualification cycle2
  • Refunds on ATM withdrawal fees, nationwide (up to $10 monthly)2
  • No monthly maintenance fees
  • No minimum balance to earn rewards
  • Digital banking services3, including:
    • Online banking & bill pay
    • Mobile banking with mobile deposit
    • Online statements
  • Unlimited check writing
  • Visa® debit card4
  • $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 $50 cash back you simply need to have 10 debit card transactions post and settle to yur account during your monthly qualification cycle. (Maximum of $5 per qualification cycle)

Now you're ready to rock! And if for some reason you don't qualify one month, no worries. 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

1Student Cash Back account is for account holders between the ages of 15-21. If a Student Cash Back account remains open until the account holder reaches the age of 27, the account will be converted to a Citizens Cash Back account unless account holder contacts the Bank to convert to a different account prior to reaching age 27. Student Cash Back account holders under age 19 must have a parent or guardian as a co-owner of the account.

2 The minimum to open account is $25. You will earn $5 cash back if you have 10 debit card transactions post and settle to your account during your monthly qualification cycle. Purchases must be made with debit card associated with your Student Cash Back 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 Student Cash  Back rewards during the statement cycle(s) that they do not meet qualification criteria.

3Third party fees for Internet, messaging, and data plans may apply.

4Overdraft and returned item fees may apply. Visa is a registered trademark of Visa International Service Association.