Online Savings Account - 1.75% APY

• Account may be set up for personal trusts.
• No fees.
• $5,000 minimum deposit.
• Citizens does not limit the number of withdrawals or transfers. Withdrawals will reduce earnings. Cash withdrawals are not permitted.

Fee and Feature Guide

Savings Account
Interest Rate
APY 1.75%
Minimum deposit amount $5,000.00
Maximum deposit amount N/A
Balance Requirements
Minimum Opening Deposit $5,000.00
Minimum Balance to Avoid Fees $0.00
Minimum Required Balance $0.00
Monthly Maintenance Fee N/A
Foreign ATM Fees N/A
Insufficient Funds Fee N/A
Incoming Wires N/A
Paper Statements ×
Online Statements Yes
Online and Telephone Banking
Online Banking Yes
Telephone Banking Yes
Mobile Banking Yes
Deposit Checks with Mobile Device Yes
Free Bill Pay ×
Online Bill Payments Required Yes
Account Opening
Open Online Yes
Insured by F.D.I.C.

Customer Reviews for Citizens (31)

  • August 4, 2022 |

    Online Savings Rates

    Worse website of any online bank. Transactions are NOT identified except by amount. When several transactions like deposits or transfers are made they are only identified by monetary amounts with no names to ID source. It's a guessing game and you need to call customer service to find out details of the transactions. No problem if you make a single transaction but if more than one, then good luck trying to figure out what went where or where what came from. Absolutely no details provided except for the amount. Closing my new account asap! Not worth all the aggravation for their lack of adequate record keeping.

  • July 30, 2022 |

    Online Savings Rates

    Unable to sign in online consistently using Firefox, Chrome, and Safari. Error message pops up saying to try again or call customer service. Calling customer service is no help because it's an IT issue and they can't solve the problem.

  • June 25, 2022 |

    Online Savings Rates

    The easiest to use and best service of the online accounts!

  • May 17, 2022 |

    Online Savings Rates

    Through the years I experimented with the leading online brands to find the best mix of quality, reliability and competitiveness. I thought Purepoint was the best, and Citizens was second, but Purepoint seems to be going out of business so I am moving everything here!

  • February 12, 2022

    Disappointed that initially this bank had a very competitive savings rate....but they are now near the bottom of rates. Not sure why they have decided to change their strategy as far as being an attractive alternative to other savings institutions.

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