simply smarter savings

simply smarter savings


online savings account


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smarter, simpler savings. period.

  • No promotional or teaser rates
  • No fees, for anything
  • $5,000 minimum deposit
  • FDIC-insured deposits^
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your interest in 5 yrs:

Citizens Access
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minutes is all it takes.

Apply for a Citizens Access savings account in just a few easy steps.

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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 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.

"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.

How do I add money to my Online Savings account?

You can easily fund or add money to your Citizens Access Online Savings account(s) in one of two ways:

1. Online Funds Transfer  - Using the routing number and account number of your checking or savings account at another U.S. financial institution, you can link that external account to Citizens Access and then make an online transfer into your Citizens Access account.

2. Deposit a check - Ensure the check is made payable to you from another U.S. financial institution (no foreign checks). Endorse the back of the check with your signature, your Citizens Access account number and "For Deposit Only to Citizens Access" on the endorsement line. You can deposit your check by signing into your account from your phone and selecting "Deposit a Check" from the Move Money menu and follow the on screen prompts. Alternatively, you can mail your check to us at the following address:

Citizens Access
PO Box 6801
Carol Stream, IL 60197- 6801

3. Direct Deposit - Provide your account and routing number to your Payroll Department.   If your Payroll Department requires formal documentation, it can be found here: Direct Deposit Authorization Form.                                                                                       
Please note, you must make an initial deposit within 30 days of account opening. Additionally, we will not accept cash deposits or wire transfers. All deposits to your accounts, regardless of how they are made, are subject to verification, final payment and our Funds Availability policy.

How do I make a withdrawal from my Online Savings Account?

Simply log in to your account, select Transfer Funds from the Move Money menu, and transfer the desired amount into your external account. It can take 2 to 3 business days for the funds to be posted by your external bank. You can also call us to request to have a check mailed directly to you. 

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