Circle Checking
from Citizens Bank

Please be aware that the "linking" may become "unlinked" which could result in a service charge. My accounts were linked but then something happened and I began receiving a monthly service charge for being under the minimum balance requirement. I am trying to resolve the issue but it has taken many phone calls and visits to the bank so far the past couple of months. In addition to that, while… it is being resolved, additional charges are being applied to my account.
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I just opened my own Citizens Bank circle checking account. The linking is a nice feature as it ties your funds together. You get protected from overdraft fees this way, and their rates are great as well!