<p>I use Citizen’s and I wouldn’t really recommend it. It’s not super convenient (it’s in the stop and shop) and even though I’m a college student they keep on trying to charge me a ridiculous fee for not having enough money in my accounts combined (we’re talking thousands of dollars) and then I have to go down there and make them refund it and re-put the waiver on my account. I’m going to switch soon, probably to TD bank. My friends who use them seem pretty happy with it.</p>