Citizens Access Review 2023
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At a glance

CDs
Savings
About Bankrate Score
Overview
Citizens Access is ideal for customers who prefer to bank entirely online.
Highlights
- No Monthly Fees

Bankrate Savings rating = 4.9/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

Bankrate Savings rating = 4.7/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

Bankrate Savings rating = 5/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Overall
Citizens Access is an online bank with no branches that offers savings products. It is a division of Citizens Bank.
Pros
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Citizens Access offers a competitive savings APY.
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Customer service is available by phone seven days a week or by using the chat function on the bank’s website.
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The Citizen Access savings account doesn’t have a monthly service fee.
Cons
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Citizens Access has no physical branches or ATM access.
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The bank offers a limited selection of products.
Citizens Access bank products
Citizens Access savings overview
You only need a penny to open a new Citizens Access Savings account.
Pros
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Citizens Access currently offers a competitive APY.
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The bank does not charge any fees.
Cons
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Citizens Access doesn’t provide an ATM card for withdrawals.

Bankrate Savings rating = 4.9/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Bank experience
Citizens Access customer service representatives are available to answer questions about CDs and savings accounts seven days a week: 6 a.m. to midnight weekdays; 9 a.m. to 5 p.m., Saturday; and 10 a.m. to 5 p.m., Sunday. (All times are Eastern.) The bank also offers a chat option.
Citizens Access customers can use the mobile app to check account balances, move money and more. The app currently has a 3.3 rating in the Google Play store and 2.5 in Apple’s App Store.
About Citizens Access
Citizens Access is an online-only bank that offers a competitive yield on its savings account and charges no monthly fee. Its products, which also include CDs, are available nationwide. Citizens Access made its debut in July 2018.
Review methodology
We assign a score to each type of account and its features, weigh them carefully based on importance to account holders and determine an overall score. Read our full review methodology.