A comprehensive review of Citizens Access Savings account, featuring a high-yield savings rate, competitive APY, and no fees.

Citizens Access Savings is a straightforward, high-yield savings account that's simple to open and manage. Although it lacks ATM access and an in-house checking account, its low fees and high APY make it a great option for saving money.

APY

Our Citizens Access Savings account boasts a robust APY that surpasses the national average, making it a top contender among our top picks for high-yield savings accounts.

Access to your cash

Citizens Bank's online-only division offers only one savings account. You can access your savings by transferring them to an external transaction account or requesting a mailed check. However, it's important to note that ACH transfers between two banks may take extra time to complete, and you may have to wait for a mailed check.

Perks

The account offers a competitive APY and low fees, and a free mobile app is available for download from the Apple App Store and Google Play store, allowing you to manage your funds from your phone or desktop.

Fees

The Citizens Access Savings account has no account opening, maintenance, or overdraft fees, and only requires a minimum balance of one cent.

How does the Citizens Access Savings account compare?

There are other options with higher APYs or easier ways to access your cash.

With a LendingClub LevelUp Savings account, you can enjoy a free ATM card and avoid any ATM fees, making it simple to withdraw money from your savings account whenever you need it. Additionally, this account offers two competitive APYs, regardless of whether you meet the monthly deposit requirements.

The Marcus by Goldman Sachs High Yield Online Savings account offers an attractive APY, no fees, no minimum deposit requirement, easy mobile access, and no limits on withdrawals or transfers.

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