Earn 14x the national rate*
Why save with Citizens Access®?
Open your account online in under 5 minutes.
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.
High-Yield online savings account FAQs
Being a digital, online-only bank saves us a bundle. Instead of pocketing those savings for ourselves, we pass them on to you in the form of great rates.
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.
A. Yes, the minimum deposit required is only $0.01
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* The National Average APY and other competitor APY rate information, based on comparable deposit products (all APYs are applicable for a balance tier equal to $5,000), as of 10/30/2025, is provided by Curinos Research Services. Curinos Research Services obtains the data from the various financial institutions that it tracks and the accuracy of that cannot be guaranteed. Citizens Access' savings rate at 3.35% APY is 14x the national rate of 0.23%, as reported by Curinos.
** 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.
^ 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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Citizens Access offers personal high-yield savings accounts in the following United States and U.S. Territories: AL, AK, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, AS, GU, MP, PR, TT, VI.