Available for residents nationwide, Citizens Access offers an Online Savings Account with 3.90% APY.
Update 11/22/24: The rate has decreased to 3.90% APY from 4.15%.
About Citizens Access Online Savings Review
Citizens Access is an online-only banking platform which made its debut in May of 2018. The new online banking platform is the latest venture of Rhode Island-based Citizens Financial Group, Inc.
With such great Online Savings rates you can earn big! It provides members with an opportunity to take advantage of high-yield savings products.
I’ll review Citizens Access Online Savings below.
| Balance Requirement | APY Rate |
| $0.01 – $4,999.99 | 3.90% APY |
| $5,000+ | 3.90% APY |
Citizens Access Online Savings Rate
You’ll need $5,000 opening deposit in order to open the account. If your balance falls below that level, you’ll still earn a competitive rate according to their terms.
- Learn More
- Account Type: Online Savings Account
- Interest Rate: 3.90% APY
- Minimum Balance: None. *You must have $5K deposit for opening the account
- Maximum Balance: None
- Availability: Nationwide
- Credit Inquiry: Soft Pull
- Opening Deposit: $5,000
- Monthly Fee: None
- Early Termination Fee: None
(FDIC Insured)
Citizens Access ACH Capabilities and Limits
| ACH Type | Speed | Daily $ Limit | Monthly $ Limit | Notes |
| Push | ? | $250K | ? | Can link 10 External Accounts |
| Pull | ? | $1M | ? |
If you call a rep to do an ACH transfer for you, unlimited amount when it comes to ACH transfers.
Suspended Regulation D where you can withdrawal more than 6 times per month
How to Earn Citizens Access Rate
- Click on the Open Account button and apply for an Online Savings Account
- Input your info – Provide your name, address, phone, email and social security number or Tax ID
- Fund the account – Transfer funds electronically from an internal account here or an external account at another bank
- The minimum opening deposit is $5,000.
Why You Should Sign Up For This Account
- Great rates, no promotions or teasers
- No fees, for anything
- $5,000 minimum deposit
- FDIC-insured deposits
- Interest compounds daily and is credited monthly
- There are no monthly fees
- 24/7 access to your account online
Bottom Line
Check out this offer from Citizens Access and open an Online Savings Account to earn a competitive APY rate today! All it takes is $5,000 to open the account, and with no limits you can earn as much as you can!
For more bank offers, see the complete list of Best Bank Rates!
Interested in Bank Bonuses? See our favorite banks including HSBC Bank, Chase Bank, Huntington Bank, Discover Bank, TD Bank, or CIT Bank.
Check back often to see the latest info on Citizens Access Online Savings Account.
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