simply smarter savings

simply smarter savings


Saving with Citizens Access

Why save with Citizens Access?

We are not only 100% committed to providing the best savings experience and market-leading rates, we’re also backed by deep institutional knowledge – Citizens Bank, N.A., has been supporting customers for 190 years with over $150 billion in assets.  So while we are new, our roots are not. And with FDIC insurance, leading security practices, and absolutely no promotional rates or fees, you’ll get smarter, simpler, secure savings… period.

How can I contact Citizens Access?

We're here for you!  Feel free to send us a secure message at any time (requires signing into your account) or call us at 1-888-201-6505.  We're available Mon-Fri: 8AM-10PM ET, Sat: 9AM-3PM ET,  Sun: 10AM-3PM ET.

You can also send a check deposit to:

Citizens Access
P.O. Box 6801
Carol Stream, IL

Citizens Access is a division of Citizens Bank, N.A., which is headquartered at:

One Citizens Plaza
Providence, RI  02903

What products does Citizens Access offer?

We offer an Online Savings account in addition to Online Certificates of Deposits (CDs) with some of the best rates available in order to help you earn more and achieve your savings goals.

How does Citizens Access offer such great rates?

We are a digital, online only bank. We designed our business to minimize our costs, which means we are cashless, paperless and have no physical bank branches. Instead of pocketing these savings for ourselves, we have committed to consistently offer our customers some of the best rates available.

How long does it take to open an account?

It should take no more than 5 minutes to open an account. That's it, just a few easy steps and you can start earning some of the best rates around with Citizens Access.

Do you require a minimum opening deposit?

Yes, the minimum deposit required to open an Online Savings or CD account is $5,000.

No branches? How do I access my money?

No branches allows us to deliver you some of the best rates available, but being a digital bank doesn't mean you can't access your funds. Simply link your account to your account(s) at other financial institutions and set up a one-time or recurring electronic transfer (transfer restrictions apply) or, if you prefer, you can also call us and request a check made out to you.

"No fees, for anything."  Really?

That's right!  Unlike most banks, Citizens Access charges zero fees, no account opening or maintenance fees, and no ancillary service fees. No fees for anything.

Do you have a branch location near me?

We're 100% digital. No branches = more savings for you. Simply Sign-In to access your account.

What is Citizens Access's routing / ABA number?

The routing transit number (ABA) for Citizens Access is 011601443.