Take your savings to new heights

Watch your Citizens Access® Savings soar with amazing rates and zero fees.

Open an Account

Two great ways to save

3.65% APY*

Citizens Access Online CD - 8mo

Start Saving

3.35% APY*

Citizens Access Savings account

Start Saving

We make it easy to do more with your money, so you're free to do more of what you love.

Serious savings

Being an online-only bank saves us a bundle. We pass those savings on to you in the form of amazing rates.

No fees, no surprises

Fees and hidden costs don't help you save, so we don’t do them. No service fees. No account opening fees. No fees. Ever.

FDIC insured

You're covered. All CD and savings accounts are FDIC insured up to the maximum amount allowable by law.^

Help if you need it

We make saving so easy you probably won't ever need help. But we're here 7 days/week. Just in case.

Bank on-the-go with our new Citizens Access mobile app^†!

24/7 Access to your accounts, statements, and more. Tap below to download now.

* Annual Percentage Yield (APY) and interest rates are accurate as of 10/30/2025. Rates subject to change without notice. The variable APY is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the bank's discretion. 3.35% APY for balances of $0.01 - $4,999.99; 3.35% APY for balances of $5,000.00 or more. Citizens Access online CD: $5,000 minimum balance and 8-month term to obtain 3.65% APY. Penalty for early withdrawal. Your Citizens Access online CD will renew into a CD of the same term at maturity unless changes are made to your account during the 10-calendar-day grace period following maturity. APY assumes interest remains on deposit until maturity date.

^ FDIC insurance up to the maximum amount allowed by law. Citizens Access and Citizens Bank, N.A., are treated as the same entity for the purpose of calculating FDIC insurance limits and deposits, under the FDIC certificate #57957.

† Wireless carrier, text and/or data charges may apply

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