Citizens Access Review 2022
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At a glance
CDs
Savings
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Citizens Access is ideal for customers who prefer to bank entirely online.
Highlights
- No Monthly Fees
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 doesn’t offer a mobile banking app.
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It 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
Pros
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Citizens Access consistently offers a competitive rate.
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The bank does not charge any fees.
Cons
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Other online savings accounts have lower minimum balance requirements.
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Citizens Access doesn’t provide an ATM card available for withdrawals.
Bank experience
Citizens Access customer service representatives are available to answer questions about CDs and savings accounts seven days a week: 8 a.m. to 10 p.m. Eastern time, weekdays; 9 a.m. to 3 p.m., Saturday; and 10 a.m. to 3 p.m., Sunday. Secure messages can also be sent via the Citizens Access website. Replies are sent within 24 to 48 business hours.
Though Citizens Access has no mobile app, a smartphone can be used to access its website to deposit checks, check account balances and more.
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.
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.
