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4.50% APY†    |  Online Savings Account

Member FDIC

 80s ShannonOverview by Shannon Lopez. Updated April 12, 2024

Boost_Bottom_LineThe Bottom Line

Citizens Access® has multiple savings and CD options to take your savings to new heights.


Minimum starting deposit
Minimum balance to avoid fees
Minimum balance to obtain APY
Compounding interest
Daily, credited monthly
Ability to add co-applicant
Withdrawal options
Electronic funds transfer (EFT), check payable to account holder
Deposit options
Electronic funds transfer (EFT), check (mailed or mobile)
Branch access
Boost_Pro_TipBoost Pro Tip

Citizens Access is separate from Citizens Bank.  You may need to re-enter your information if you are a Citizens Bank customer.

Here’s what you’ll need handy when opening a Citizens Access Savings Account:

  • Social Security Number (for tax purposes only, it won’t impact your credit score)

  • Bank Account login for transferring funds

It only takes 3 minutes and you can do it right on your phone.Questions include:

  • Contact Info (Name, Primary address, Email address, Phone)

  • Date of Birth and Citizenship checkbox

 Plus simply select the best choice from the provided options for:
  • Occupation

  • Source of Income

  • How will you use your account?

  • Will you perform international transactions?

 All Boost partners offer FDIC insurance up to the maximum allowed by federal law.

 Product terms and the application experience are based on the Citizens Access website as of April 12, 2024 and may have changed. Be sure to verify all terms and conditions with Citizens Access prior to applying.

Advertising Disclosure: If you open a savings account with one of our partners, we sometimes get a commission. We are deeply committed to only recommending reputable companies and work hard to present a concise list of competitive offers. This means all financial institutions or products are not represented here. It's important to compare interest rates, fees, minimum balance requirements, and other terms and conditions across different financial institutions to choose a high-yield savings account that aligns with your financial goals and preferences.