{"account":{"slug":"citizens-checking","bank":"Citizens","name":"Personal Checking"},"status":"recent","lastVerified":"2026-09-04","officialSource":"https://www.citizensbank.com/checking/one-deposit-checking-account.aspx","history":[{"date":"2026-06-11","apy":"None on One Deposit; relationship-account rates not attached","monthlyFee":"$9.99, waived with one deposit per statement period","minimumOpen":"None","note":"Legacy snapshot before event-level evidence attachments"},{"date":"2026-09-04","apy":"None advertised on One Deposit; Quest and Private Client rates vary by location","monthlyFee":"$9.99, waived with one deposit or transfer of any amount per statement period","minimumOpen":"None","atm":"Citizens charges no own ATM fee on Quest; other account and operator fees vary by tier","note":"Reconfirmed the One Deposit waiver, Quest waiver thresholds, Private Client relationship threshold, early pay, and Peace of Mind deadline; current bonus remained unverified","sourceUrl":"https://www.citizensbank.com/checking/overview.aspx","sourceLabel":"Citizens checking account comparison"}],"verificationEvents":[{"id":"38fa933c-7eed-4aec-8422-0a9689509ec9","entityType":"bank-account","slug":"citizens-checking","checkedAt":"2026-09-04T00:00:00.000Z","recordedAt":"2026-09-05T02:19:41.191Z","sourceUrl":"https://www.citizensbank.com/checking/overview.aspx","sourceLabel":"Citizens checking account comparison","outcome":"changed","summary":"Reconfirmed current tier fees and waiver thresholds, corrected Quest ATM language, and added dated terms history","changedFields":["apy","plans","features","atm","bonusSlug","pros","ourTake","termHistory","lastVerified"],"facts":{"oneDepositFee":"$9.99","oneDepositWaiver":"one deposit or transfer of any amount","questFee":"$25","questDepositWaiver":5000,"questRelationshipWaiver":25000,"privateClientRelationship":200000},"previousHash":"b4488353a3d40b3064c8511cd19f21e162f4aee648c5d0816a53d47dcdf3adf8","recordHash":"63a0a9cce12710041baebeec41b6b3f3be223a4f2758b54c5d05b76aa8e2444a"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}