Online Savings Account - 4.50% 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 4.50%
Minimum deposit amount $1.00
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 (38)

  • November 18, 2023 |

    Online Savings Rates

    bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest.

  • October 18, 2023 |

    Online CDs 12 Month Rates

    Citizens is just a great CSR experience in every way imaginable (user interface, phone support, etc.) compared to any of these other places on this list. Also, a recognized and positive brand (at least throughout the northeast). I just renewed a 1-year CD with them and highly recommend. (Four 1/2 stars because I wish the rates were further towards to top of this table).

  • January 18, 2023 |

    Online Savings Rates

    The website is constantly down. I'll move all my accounts to a less recognized name with a better rate as that gives me fewer surprises like this.

  • September 1, 2022 |

    updated review - The bank managed to finally provide the requested document listing the beneficiary after a number of calls. So will add a few stars. The website still needs some work to be more descriptive of the transfer information. It is pretty useless as all it has is generic info with no bank information listed under the source of the transfer. Pretty mediocre for a bank listed as having over 160 billion in assets.

  • September 1, 2022 |

    I'm only comfortable with banks whose names I recognize and among those 4 or 5 I have found Citizens consistently has the best rate in 2022. Also outstanding service. I will stick with this one over anything else on this site.

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