I have had this account for years. It links all your accounts at citizens inclusing checking, money market, and Cds. You need to keep a balance of at least 20k to avoid fees. Also, in order to get the best rate, you need to have at least 50k in your money market.
I also use the great bill pay feature online, which is free.

Simply put, this bank account practically pays for itself. If you've got the 20K balance, then this account is the one you need - it links your savings and checking together. No more transferring money in between accounts. I use this account every single day, and their service is unbeatable. I can call them at any time and get help for whatever my problem is. Highly recommended.

This is the premier account from Citizens Bank. You can get overdraft protection from any other open Citizens Bank accounts, as well. You earn 10 cents for every every time you pay with your debit card, every time you make a payment using Online Banking, for every electronic payment you make with them, and every recurring payment charged to your checking account or debit card.