Citizens Access High-Yield online savings account

#ProductLine=cax|Brand=citizensbank|ProductDescription=SAVINGS|SubPoductDescription=$0.01 - $4,999.99|ProductAttribute=interestRates::intAPY# APY*

Earn #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=dropdown|Key=CAX_rate# the national rate**
No fees, no hidden costs
Open online in under 5 minutes

Open Account

A no-fee online savings account great for any goal, from everyday to someday.

Open Citizens Access Savings Account

Earn #ProductLine=cax|Brand=citizensbank|ProductDescription=SAVINGS|SubPoductDescription=$0.01 - $4,999.99|ProductAttribute=interestRates::intAPY# APY*, #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=dropdown|Key=CAX_rate# the national rate of #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=dropdown|Key=CAX_national_rate#**
No promo or teaser rates
Direct deposit and recurring transfers

Open savings account

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.

Citizens Access mobile app preview on smartphone

It's easy in the app

Get 24/7 access to your accounts, statements, and more in the Citizens Access mobile app¹. Download it now:

Citizens Access Savings account FAQs

That’s right, as an online-only bank, we don’t have any branches. But there are still two easy ways to access money in your savings or CD account.

Option 1: Link your Citizens Access savings or Citizens Access CD account with your account(s) at other financial institutions and set up a one-time or recurring transfer (restrictions apply).

Option 2: Ask us to send you a check in the mail. See? Easy peasy.

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

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Using liquidity to optimize your long-term savings plan

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Beneficiary Disbursement Request Form

Direct Deposit Form

Certificate of Trust for Irrevocable Trust

Certificate of Trust for Revocable Trust

¹ Wireless carrier, text and/or data charges may apply.

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* Annual percentage yield (APY) and interest rates are accurate as of #ProductLine=cax|Brand=citizensbank|ProductDescription=SAVINGS|SubPoductDescription=$0.01 - $4,999.99|ProductAttribute=interestRates::effDt#. 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. #ProductLine=cax|Brand=citizensbank|ProductDescription=SAVINGS|SubPoductDescription=$0.01 - $4,999.99|ProductAttribute=interestRates::intAPY# APY for balances of $0.01 - $4,999.99; #ProductLine=cax|Brand=citizensbank|ProductDescription=SAVINGS|SubPoductDescription=$5,000.00 +|ProductAttribute=interestRates::intAPY# APY for balances of $5,000.00 or more. Online CD: $5,000 minimum balance and 1-year term to obtain APY. Penalty for early withdrawal. Your 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.

** 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 #ProductLine=cax|Brand=citizensbank|ProductDescription=ONLINE_CD|SubPoductDescription=1 year Online CD|ProductAttribute=interestRates::effDt#, is provided by Informa Research Services. Informa 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 #ProductLine=cax|Brand=citizensbank|ProductDescription=SAVINGS|SubPoductDescription=$0.01 - $4,999.99|ProductAttribute=interestRates::intAPY# APY is #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=dropdown|Key=CAX_rate# the national rate of #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=dropdown|Key=CAX_national_rate#, as reported by Curinos.

*** FDIC insurance up to the maximum allowed by law. Citizens and Citizens Access are treated as the same entity for the purpose of calculating FDIC insurance limits and deposits.

Citizens Access offers personal high-yield certificate of deposit 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.

Citizens Access High-Yield online savings account

Citizens Access^® Savings

Open Citizens Access Savings Account