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Citizens Access Review 2023

Updated January 4, 2023
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At a glance

3.9
Rating: 3.9 stars out of 5
Bankrate Score
Caret Down

CDs

Rating: 4.2 stars out of 5

Savings

Rating: 4.7 stars out of 5

About Bankrate Score

Overview

Citizens Access is ideal for customers who prefer to bank entirely online.

Highlights

  • No Monthly Fees
Compare offers
Bank logo
Member FDIC
Savings Account
3.40
%
APY
Rating: 4.9 stars out of 5
$0
Min. balance for APY
View offer Arrow Right
Bank logo
Member FDIC
Savings Account
4.25
%
APY
Rating: 4.7 stars out of 5
$0
Min. balance for APY
View offer Arrow Right
Bank logo
Member FDIC
Savings Account
4.00
%
APY
Rating: 5 stars out of 5
$0
Min. balance for APY
View offer Arrow Right

Overall

Citizens Access is an online bank with no branches that offers savings products. It is a division of Citizens Bank.

Pros

  • Checkmark

    Citizens Access offers a competitive savings APY.

  • Checkmark

    Customer service is available by phone seven days a week or by using the chat function on the bank’s website.

  • Checkmark

    The Citizen Access savings account doesn’t have a monthly service fee.

Cons

  • Citizens Access has no physical branches or ATM access.

  • The bank offers a limited selection of products.

Citizens Access bank products

4.7
Rating: 4.7 stars out of 5
Bankrate Score

Citizens Access savings overview

Citizens Access offers a competitive APY on its savings account.

You only need a penny to open a new Citizens Access Savings account.

Pros

  • Checkmark

    Citizens Access currently offers a competitive APY.

  • Checkmark

    The bank does not charge any fees.

Cons

  • Citizens Access doesn’t provide an ATM card for withdrawals.

Compare Offer
Bank logo
Member FDIC
Savings Account
3.40
%
APY
Rating: 4.9 stars out of 5
Info
$0
Min balance for APY
View offer Arrow Right

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

With so many financial institutions to choose from, it can be hard to know who to trust. Bankrate’s ever-growing list of bank and credit union reviews is updated regularly. Our editorial team analyzes and reviews each institution across deposit products such as savings accounts, checking accounts, certificates of deposit (CDs) and money market accounts (MMAs). Banks are rated by important factors such as offered interest rates, fees, minimum balance requirements, access to funds and more.

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.