• Do you offer accounts for minors?
  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. 
• What is the difference between a primary and joint account owner?
  While joint account owners have equal authority and rights over their account, the primary account owner is the individual who originally established the account and will receive all important account information (e.g., statements, tax documents).
• Do you allow non-U.S. Citizens to open accounts?
  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.
• Why can I only add a joint owner after I open my account?

  We understand that you likely aren't with your joint account owner 24 hours a day, so we designed our account opening process to ensure our customers can start saving with us as quickly as possible first. The process to add a joint owner is quite simple and they can be added immediately after account opening or any time in the future online.

• What types of account ownership are available at Citizens Access?
  You can set up an account in your name alone, share ownership with another account owner or your account can be held in the name of a personal trust.  Please note, all Citizens Access accounts are opened initially as individual accounts, which means the account owner is the sole owner until one of the below steps are taken to designate it otherwise:
     • If you would like to add a joint account owner, each owner will have equal authority and rights regarding the account. At this time, a joint account may not have more than two account owners.
     • If you would like your account held in the name of an established revocable trust, you can convert an individual or joint account as long as the current account owners are the Trustees listed in the Trust Agreement and the Trust tax ID is the social security number of a Grantor who is also a Trustee.
     • If you would like your account held in the name of an established irrevocable trust, you can convert an individual or joint account as long as the current account owners are the Trustees listed in the Trust Agreement.
     • We also offer our customers the ability to establish “informal” trust accounts (also known as “Pay on Death” or “Totten Trust” accounts) established in your name as trustee for the benefit of one or more designated beneficiaries. We also allow customers to assign an existing trust as the primary beneficiary on any of our accounts.  Please consult your legal counsel to determine if either of these approaches will meet your needs.
• How do I add a joint account owner?

  You can add a joint account owner at any time and the process is super easy - it will take you less than 5 minutes. 

  First, you'll need to ensure the joint owner can provide their social security number, personal details and additional information to verify their identity. Then, you'll want to sign in to access your account, select Add Joint Owner from the Manage Accounts menu and select the account(s) you want to add that individual to and follow the prompts to complete the process.

• Can I have more than one joint account owner?
  At this time, any single Citizens Access account may not have more than two account owners. However, we'd love to hear from you. 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: 6AM-12AM ET, Sat: 9AM-5PM ET, Sun: 10AM-5PM ET.
• What types of trusts does Citizens Access support?

  Citizens Access allows customers to assign account ownership to personal trusts, both revocable and irrevocable.  At this time, we are only able to support trusts with up to 2 trustees and up to 2 grantors.

  We do not support accounts for business or corporate trusts.

• How can I designate a Power of Attorney/Guardian/Conservator?
  For more information, you can call us at 888-201-6505.
• Can I open a business account?
  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. We're available Mon-Fri: 6AM-12AM ET, Sat: 9AM-5PM ET, Sun: 10AM-5PM ET.

Have more questions? Get more answers in our full FAQs section.