When it comes to managing money in your checking account, we know mistakes can happen. Citizens Bank offers an Overdraft Privilege Service (ODP). If your account qualifies for Overdraft Privilege, we will consider without obligation on our part, striving to pay items for which your account has insufficient or unavailable funds, instead of returning those items unpaid. Your transactions will be honored until your account exceeds ODP limits. 
What You Need to Know About Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

  1. We have standard overdraft practices that come with your account.
  2. We also offer overdraft protection plans, such as Overdraft Privilege, Linked Account, and an Overdraft Line of Credit.

What are the standard overdraft practices that come with my account? 

We do authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic reoccurring bill payments

We do not authorize and pay overdrafts for the following type of transaction unless you ask us to and opt in:

  • ATM transactions
  • Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, or if you have opted out, your transaction will be declined.

What fees will I be charged if Citizens Bank pays my overdraft?

Under our standard overdraft practices:

  • We will charge you a fee of up to $26 each time we pay an overdraft.
  • There is no limit on the total fees we can charge you for overdrawing your account.

What if I want Citizens Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions? 

If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, you my opt in to this service by clicking below, by calling (866) 666-2195, or by visiting one of our branches.

Opt In Now


If you do not use Overdraft Privilege Service, it costs you NOTHING! Overdrafts are due and payable immediately. Please be aware that the payment of items is not a guarantee. The payment of items presented today does not guarantee that future items present will be paid. All items whether paid or returned are subject to a $26 overdraft or non-sufficient fund fee.

Checking accountholders may opt out of all overdraft coverage at any time. Opting out of the Overdraft Privilege service may mean that items presented will be returned and a $26 non-sufficient funds fee will be charged. 

Deminimus Amount: 

Our deminimus amount is $5.00. There will be no fee for items which overdraw an account up to, but not exceeding, $5.00 on any business day. 


For more information on any of our Overdraft Services, please see our Overdraft Privilege Disclosure below.

Overdraft Privilege Disclosure