• How do I cancel a scheduled transfer?
  If you established the transfer with Citizens Access, sign in to your account, select Manage Future Transfers from the Move Money menu then Delete your transfer. You must delete the transfer the day before it is scheduled. If you prefer to call us to cancel your scheduled transfer, we would be happy to assist you but please note that we need at least 3 days notice.
• How will my external accounts be verified by trial deposits?
  When you use trial deposits to link an external account Plaid will send two small deposits into your external account within 1-3 business days. Once you see them, sign into your Citizens Access account, select "Verify Deposit" and enter the exact deposit amounts. Once you have verified the trial deposits, your external account will be linked and you can easily transfer money between it and any of your Citizens Access accounts.
• When will my funds be available for withdrawal?

  Funds from electronic direct deposits originated from third parties to your account will be available on the Business Day we receive the deposit, while 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.

  Check deposits made using Mobile Deposit will generally be available on the 4th Business Day after the Business Day we receive your deposit. In some cases we may delay availability of your deposit until the 7th Business Day after the Business Day of your deposit. Funds availability rules set forth in the Federal Reserve's Regulation CC do not apply to checks deposited using Mobile Deposit. See also your Online and Mobile Banking Terms and Conditions
  For more details on our Funds Availability policy, please review our Deposit Account Agreement.

• When do my deposits start earning interest?

  Deposits made to your Citizens Access account will begin to accrue interest as soon as they are deposited.

• Can I get an ATM card, debit card, or checks to withdraw funds?
  Since our savings accounts are designed to help you achieve your savings goals and are not intended to replace your everyday transactional accounts, we have elected to refrain from offering ATM cards, debit cards or checks at this time. However,  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. 
• How do I transfer money to my accounts?

  You have two easy options:

  1. Online transfer. Transfer money from a savings or checking account at another US financial institution. All you’ll need is a routing and account number.

  2. Deposit a check. As long as it’s a check made payable to you from another U.S. financial institution, you can deposit it quickly and easily using the Citizens Access mobile app (available free on the Apple App Store and Google Play Store). Just log in, tap Move Money, then Deposit a Check. Follow the prompts to endorse your check and take some photos and, **snaps fingers**, you’re all set.

  No smartphone? No problem. You can always mail your check to us at this address:

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

  What else should you know? You can only make a deposit to a CD when you open the account. We don’t accept cash deposits or wire transfers. And all deposits, regardless of how they’re made, are subject to verification, final payment and our Funds Availability policy.

• How do I set up direct deposit?
  You’ll need to follow the procedures outlined by your payroll or benefits provider to set up your direct deposit but they will need the following information:
   -  Your Citizens Access account number
   -  Our routing/ABA number: 011601443|
• How do I link an external account?

  Using the routing number and account number of your checking or savings account that you own at another U.S. financial institution, you can link that external account to Citizens Access. Citizens Access utilizes Plaid, an instant account verification service, to link your external account to your Citizens Access account.

• How do I move money out of my Citizens Access account?
  You can easily move money out of your Citizens Access account by setting up an Online Funds Transfer. You can request us to mail a check to you by giving us a call at 888-201-6505.
• How will Citizens Access verify that an external account is mine?

  Citizens Access utilizes Plaid, an instant account verification service, to instantly link your external account to your Citizens Access account.

  In some cases, Plaid may require the use of trial deposits where they will send two small deposits into your external account within 1-3 business days. Once you see them, sign into your Citizens Access account, select "Verify Deposit" and enter the exact deposit amounts. Once you have verified the trial deposits, your external account will be linked and you can easily transfer money between it and any of your Citizens Access accounts.

• Can I set up a recurring transfer?
  Citizens Access offers the ability to transfer money in or out of your account at a frequency of your choosing. To establish a recurring transfer, sign into your Citizens Access account, select Transfer In & Out under the Move Money menu, and follow the prompts to establish a recurring transfer. Refer to our Deposit Account Agreement for details on withdrawal limitations.
• Are there dollar limits on the amount of money I can transfer?
  There are no limits when transferring money via our call center team. However, for your security, we place limits on transfers you initiate online to and from your Citizens Access accounts. For incoming transfers, you can transfer up to $1,000,000 per day. For outgoing transfers, you can transfer up to $250,000 per day. To initate a transfer that exceeds these limits, you can call us at 888-201-6505.

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