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Citizens

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.

SAVINGS ACCOUNT FEATURES†

Minimum starting deposit
$0.01
Minimum balance to avoid fees
$0
Minimum balance to obtain APY
$0
Compounding interest
Daily, credited monthly
Ability to add co-applicant
Yes
Withdrawal options
Electronic funds transfer (EFT), check payable to account holder
Deposit options
Electronic funds transfer (EFT), check (mailed or mobile)
Branch access
No
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 featured companies 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: We may earn a commission if you open an account with a featured company. Not all companies or offers are listed. Compare rates, fees, and terms before deciding.