Citizens

Does Citizens have Zelle? Yes. Citizens Bank offers Zelle in the Citizens mobile app and in Online Banking and charges no fee to use it. Citizens sets no limit on money you receive. Its personal fee guide lists $30 for an outgoing domestic wire and $40 for an outgoing international wire in U.S. dollars, and waives wire fees on Citizens Quest and Citizens Private Client checking.

At a glance

• ZelleYes, in the mobile app and Online Banking
• Zelle limitsNo limit on receiving; send limits shown in the app under “Zelle Limits”
• Domestic wire out$30 per wire ($18 repetitive)
• Incoming wire$18 to $28 domestic; $12 international in U.S. dollars
• International wire out$40 in U.S. dollars; $15 in foreign currency

Sources: Zelle at Citizens · Personal Deposit Account Fees and Features Guide · Checked on September 27, 2026

Zelle at Citizens

Citizens says Zelle “is available within Citizens mobile app and Online Banking.” In Online Banking, choose “Send Money with Zelle” from the “Pay Bills and People” menu. In the mobile app, choose “Transfer and Pay”, then “Send money with Zelle”.

Citizens does not charge any fees to use Zelle, and it sets no limit on the amount you can receive. For send limits, the Zelle page tells you to ask customer service, and the app shows your limits under “Zelle Limits”.

Source: Zelle at Citizens (undated) · Mobile and Online Banking FAQs (undated) · Checked on September 27, 2026

Wire transfers at Citizens

Citizens Quest Checking and Citizens Private Client Checking pay no incoming or outgoing wire fees; the guide’s addendum adds Citizens Private Bank Checking. A book transfer wire between Citizens accounts costs $5. Wires and other external deposits post to your account the day they are received. You can request an international wire, in over 125 currencies, at any branch Monday through Friday, 8:30 AM to 5:00 PM ET (International banking, undated).

Source: Personal Deposit Account Fees and Features Guide, effective March 27, 2023 (Rev. 03-27-2023, addendum effective February 3, 2025) · Checked on September 27, 2026

External transfers (ACH)

Transfers to and from your accounts at other banks are limited to $5,000 per business day and $10,000 per month, for incoming and outgoing transfers each. An outgoing transfer outside the bank costs $3. The cutoff is 3:00 PM ET. For an outgoing transfer, Citizens debits your account two business days before the transfer date and credits the other bank within one business day. An incoming transfer is credited on the third business day. Next Day transfers require no overdrafts or returns in the prior three months and a $750 minimum balance.

Source: Mobile and Online Banking FAQs (undated) · Checked on September 27, 2026

If a transfer is late or went wrong

If a Zelle payment has not arrived, read Zelle payment pending; to stop one, see cancel a Zelle payment, and if you were tricked, Zelle scam refund. For wires, see wire transfer not received and how long do wire transfers take; for external transfers, ACH transfer pending. Contact Citizens through the number on your card or in the app.

Fees and limits can differ by account type; your account agreement is the final word.