Get quick answers to our most asked questions.
Your CD is a fixed rate account and you will be paid the disclosed interest rate until the original maturity date of your account. Interest is calculated based on your daily balance and is compounded daily and paid monthly.
Your CD will automatically renew on its maturity date at the available rate for the same term, this is unless we have previously received instructions from you or new instructions are received within the 10-day grace period. You can define a maturity plan that meets your needs, including adding or removing funds, adjusting your term, or redeeming your CD. To establish your maturity plan, you can call us at 888-201-6505.
At maturity (the last day of your CD's term) you will have a 10-calendar-day grace period in which you can withdraw funds from your account without penalty.
Online CD: Yes. We charge 90 days interest on the amount withdrawn for Online CD Accounts with terms of 12 months or less. For CD Accounts with terms greater than 12 months, we charge 180 days interest on the amount withdrawn. In certain circumstances, we may waive the early withdrawal penalty. See our Deposit Account Agreement for additional information.
Liquid CD: No, you may withdraw your entire balance from your Liquid CD as soon as 7 days after funding without penalty.
That's right! Unlike most banks, Citizens Access charges zero fees, no account opening or maintenance fees, and no ancillary service fees. No fees for anything.
No. We cannot accept a cash deposit. Sending cash through the mail is inherently very risky. Please ensure all deposits are made via online transfer, check or mobile deposit.
You have two easy options:
Online funds transfer. Using the routing number and account number of your checking or savings account at another US financial institution, you can link that external account to Citizens Access® and then make an online transfer into your Citizens Access® account.
Deposit a check. Ensure the check is made payable to you from another US financial institution (no foreign checks, please). Endorse the back of the check with your signature, your Citizens Access® account number and "For Deposit Only to Citizens" on the endorsement line. You can deposit your check by signing into your account from your phone and selecting Deposit a check from the Move Money menu and following the prompts. Alternatively, you can mail your check to us at the following address:
Citizens Access
PO Box 6801
Carol Stream, IL 60197-6801
Please note, you can only make a deposit to a CD when you open the account. Additionally, we will not accept cash deposits or wire transfers. All deposits to your accounts, regardless of how they are made, are subject to verification, final payment and our Funds Availability policy.
If you are a new customer, the following special rules will apply during the first 30 days your account is open.
For additional details around our Funds Availability Policy for new customers, please review our Deposit Account Agreement.
To mail a deposit:
Mail your check to:
Citizens Access
PO Box 6801
Carol Stream, IL 60197- 6801
We're always here to help! Log into your account and click on the chat icon to send us a message or call us at 888-201-6505. We're available Mon-Fri: 7AM-12AM ET, Sat and Sun 9AM-6:00PM ET.
Citizens Access is a division of Citizens Bank, N.A. which is headquartered at:
One Citizens Plaza
Providence, RI 02903
We're here to help. Please call us immediately at 888-201-6505. We're available Mon–Fri, 7AM–12AM ET; Sat and Sun, 9AM–6:00PM ET. When fraud is suspected, we will typically freeze your account immediately to prevent unauthorized activity and the fraud team will open an investigation.
No branches allows us to deliver you some of the best rates available, but being a digital bank doesn't mean you can't access your funds. Simply link your account to your account(s) at other financial institutions and set up a one-time or recurring electronic transfer (transfer restrictions apply) or, if you prefer, you can also call us and request a check made out to you.
You can add a joint account owner at any time in less than 5 minutes.
Before you get started, make sure the joint owner is ready to provide their Social Security number, personal details and any additional info needed to verify their identity. Then, sign in to access your account, tap Add Joint Owner from the Manage Accounts menu and select the account(s) you want to add that individual to and follow the prompts. You may also add a joint account holder by calling us at 888-201-6505.
While we do not offer business accounts at this time, we are open to offering them in the future if we hear they are important to our customers. We'd love to hear from you if you have suggestions on how we can better help you attain your savings goals. Log into your account and click on the chat icon to send us a message or call us at 888-201-6505.
To open an account with Citizens Access you must be a U.S. Citizen or U.S. Resident Alien with a valid U.S. address.
You must be at least 18 years old to open a Citizens Access Account. However, we are open to offering accounts for minors in the future if we hear they are important to our customers. We'd love to hear from you at feedback@citizensaccess.com with your recommendations for the types of accounts that are most important to helping you achieve your savings goals.
© Citizens Financial Group, Inc. All rights reserved. Citizens Access® is a division of Citizens Bank, N.A. Member FDIC