Citizens Access Online Savings Account
Citizens Access Online Savings Account Unaffiliated

Citizens Access Online Savings Account

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Monthly Fee $0
APY (Annual Percentage Yield) 0.04%
Minimum Balance to Earn APY N/A

Citizens Access Online Savings Account Review

Citizens Access Online Savings Account is offered by Citizens Access, founded in 2017 and based in Providence, RI. Citizens Access Online Savings Account is available in 51 states across the USA.

Key Takeaways
  • Low APY. The maximum annual percentage yield for this account is only 0.04%.
  • Large minimum initial deposit. You need a minimum deposit of $5,000 to open an account. This is a relatively large minimum initial deposit when compared to the other accounts that we track.
Citizens Access savings account Pros & Cons
Pros Cons
  • High APY.
  • No fees.
  • 5 Minute Sign-Up.
  • Member FDIC.
  • Available in all 50 states.
  • Interest-yielding account.
  • Minimum initial deposit of $5,000.
  • No signup bonus.
  • Does not offer mobile check deposits.
  • Does not provide access to a nationwide ATM network.
  • Does not come with a debit card
  • Not FDIC-insured.
Citizens Access savings account FAQ

Are savings accounts from Citizens Access federally insured?

No, your Citizens Access savings accounts are not insured by a federal insurance agency. This means that if Citizens Access were to fall into financial difficulties, your deposits are not covered by a government backed insurance fund like the FDIC or NCUSIF.

Does Citizens Access offer a signup bonus?

Citizens Access savings account has a signup bonus of $0.

What is the minimum initial deposit for Citizens Access savings account?

The minimum deposit to open a Citizens Access savings account is $5,000.
Citizens Access Online Savings Account Minimums
Minimum Opening Deposit Starting at $5,000
Minimum Required Balance $5,000

What APY does Citizens Access offer?

Citizens Access savings account offers an APY of 0.04% (APY stands for annual percentage yield, rates may change).

The interest rate on a savings account or checking account can change based, in part, on what the Federal Reserve does. Note that the APY of a savings account is the amount of interest you will earn if you keep your money in the account for a full year expressed as a percentage. The difference between an APY and an interest rate is that the APY takes into account how often your money earns interest (or compounds). The more often your money compounds, the more it will earn. Savings accounts with an interest rate that compounds daily, for example, will earn a higher return (and therefore a higher APY) than savings accounts that compound annually.

What fees does Citizens Access savings account charge?

Citizens Access savings account does not charge a monthly service fee. See the fee breakdown section below to view all fees.

What features and perks does Citizens Access savings account offer?

This savings account includes the following features:

Can you set up a direct deposit to Citizens Access savings account?

In most cases, the answer is yes. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.

What is the customer support email for Citizens Access savings account?

The customer support email for Citizens Access savings account is

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Hours of Operation

  • Sunday 10:00am - 3:00pm
  • Monday 8:00am - 10:00pm
  • Tuesday 8:00am - 10:00pm
  • Wednesday 8:00am - 10:00pm
  • Thursday 8:00am - 10:00pm
  • Friday 8:00am - 10:00pm
  • Saturday 9:00am - 3:00pm

Other Services by Citizens Access

Icon for Savings Accounts
View all savings accounts offered by Citizens Access


  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Minimum Opening Deposit Starting at $5,000
Minimum Required Balance $5,000
Early Account Closure $0
Monthly Fee $0
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • Mobile Banking
  • Fraud Protection
  • Bauer Financial A+/A Rating
  • Member FDIC
Signup Bonus Starting at $0
APY (Annual Percentage Yield) 0.04%

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Citizens Access Savings Accounts