Account Ownership

Do you allow non-U.S. Citizens to open accounts?

To open an account with Citizens Access you must be a U.S. Citizen or U.S. Resident Alien with a valid U.S. address.

Do you offer accounts for minors?

You must be at least 18 years old to open a Citizens Access Account. However,  we are open to offering accounts for minors in the future if we hear they are important to our customers. We'd love to hear from you at with your recommendations for the types of  accounts that are most important to helping you achieve your savings goals.

What types of account ownership are available at Citizens Access?

You can set up an account in your name alone or share ownership with another account owner.  Please note, all Citizens Access accounts are opened initially as individual accounts, which means the account owner is the sole owner of the account. If you would like to add an additional account owner, each owner will have equal authority and rights regarding the account. At this time, a joint account may not have more than two account owners. 

Can I open a business account?

While we do not offer business accounts at this time, we are open to offering them in the future if we hear they are important to our customers. We'd love to hear from you if you have suggestions on how we can better help you attain your savings goals. Please email us at with your recommendations.

Do you offer trust accounts?

At this time, customers are unable to open trust accounts with Citizens Access. We understand that many people take advantage of trust accounts as a part of their financial planning. And, since trust accounts have been requested by many of our customers we are pleased to announce that this is planned for a future release. In the meantime, we do currently offer our customers the ability to establish “informal” trust accounts (also known as “Pay on Death” or “Totten Trust” accounts) established in your name as trustee for the benefit of one or more designated beneficiaries. We also allow customers to assign an existing trust as the primary beneficiary on any of our accounts.  Please consult your legal counsel to determine if either of these approaches will meet your needs.  If this is of interest to you, please contact our Customer Care team at 1-888-201-6505.  They’d be happy to help you Mon-Fri 8:00am-10pm ET; Sat 9am-3:00pm and Sun 10am-3pm.

What is the difference between a primary and joint account owner?

While joint account owners have equal authority and rights over their account, the primary account owner is the individual who originally established the account and will receive all important account information (e.g., statements, tax documents).

How do I add a joint account owner?

You can add a joint account owner at any time and the process is super easy - it will take you less than 5 minutes. 

First, you'll need to ensure the joint owner can provide their social security number, personal details and additional information to verify their identity. Then, you'll want to sign in to access your account, select Add Joint Owner from the Account Services menu, and select the account(s) you want to add that individual to and follow the prompts to complete the process.

Why can I only add a joint owner after I open my account?

We understand that you likely aren't with your joint account owner 24 hours a day, so we designed our account opening process to ensure our customers can start saving with us as quickly as possible first. The process to add a joint owner is quite simple and they can be added immediately after account opening or any time in the future online.

Can I have more than one joint account owner?

At this time, any single Citizens Access account may not have more than two account owners. However,  we'd love to hear from you at if having more than two owners is important to helping you achieve your savings goals.

How can I designate a Power of Attorney/Guardian/Conservator?

Please contact us at 888-201-6505 for more information.