FAQ: Savings Accounts

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.

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.

You can easily fund or add money to your Citizens Access Online Savings account(s) in one of three ways:

1. Online Funds Transfer - Using the routing number and account number of your checking or savings account at another U.S. financial institution, you can link that external account to Citizens Access and then make an online transfer into your Citizens Access account.
2. Deposit a check - Ensure the check is made payable to you from another U.S. financial institution (no foreign checks). Endorse the back of the check with your signature, your Citizens Access account number and "For Deposit Only to Citizens Access" 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 follow the on screen prompts. Alternatively, you can mail your check to us at the following address:
   
   Citizens Access
   PO Box 6801
   Carol Stream, IL 60197-6801
3. Direct Deposit - Provide your account and routing number to your Payroll Department. If your Payroll Department requires formal documentation, our Direct Deposit Authorization Form can be found at the bottom of our Savings & CD Product Page.
   
   Please note, you must make an initial deposit within 10 days of account opening. 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.

• Funds from electronic direct deposits originated from third parties to your account will be available on the Business Day we receive the deposit.
• Funds credited to your account as a result of ACH debits originated by you with us will generally be available on the 5th Business Day following the credit to your account.
• Funds from the first $6,725 of a day's total deposits of cashier's, certified, and most federal, state and local government checks will be available on the 2nd Business Day after the day of your deposit if the deposit meets certain conditions. The excess over $6,725 will be available on the 7th Business Day after the day of your deposit.

For additional details around our Funds Availability Policy for new customers, please review our Deposit Account Agreement.

To mail a deposit:

• Ensure the check is made payable to you from another U.S. financial institution (no foreign checks)
• Endorse the back of the check with the following information:
  1. Your signature
  2. "For Deposit Only to Citizens Access" on the endorsement line
  3. Your Citizens Access account number

Mail your check to:

Citizens Access
PO Box 6801
Carol Stream, IL 60197- 6801

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.