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Money Market Accounts

A Citizens Money Market account can help you grow your cash reserves with competitive yields and FDIC insurance.*

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Citizens Quest® Money Market

Access our CitizensPlus® loyalty program1 with exclusive benefits such as better deposit rates2, credit card rewards3, and more.

  • No monthly maintenance fees on a Citizens Quest Money Market account.
  • Get up to #ProductLine=ODS|Brand=citizensbank|Product=Money Markets|ProductName=Citizens Quest Money Market|Code=MM-119-NoGuar|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(3000000.00)#% Annual Percentage Yield (APY) with preferred rates or up to #ProductLine=ODS|Brand=citizensbank|Product=Money Markets|ProductName=Citizens Quest Money Market|Code=MM-119-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(3000000.00)#% APY with standard rates.4
  • FDIC insurance* and 24/7 fraud monitoring.

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Personal Money Market

A simple way to save for larger goals with a competitive interest rate.

Monthly maintenance fees

  • $0 or $10
  • Keep a minimum daily balance of at least $2,500 to waive the fee
  • Standard check fees apply

Interest rates4

  • Get #ProductLine=ODS|Brand=citizensbank|Product=Money Markets|ProductName=Personal Money Market|Code=MM-003-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(0.00)#% APY with standard rates
  • View rates

Citizens Quest® Money Market

Must have a Citizens Quest® Checking account.

Monthly maintenance fees

  • $0 with Citizens Quest Checking

Interest rates4

A minimum of $25,000 of new money is required to qualify for preferred rates.

  • Get up to #ProductLine=ODS|Brand=citizensbank|Product=Money Markets|ProductName=Citizens Quest Money Market|Code=MM-119-NoGuar|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(3000000.00)#% APY with preferred rates or up to #ProductLine=ODS|Brand=citizensbank|Product=Money Markets|ProductName=Citizens Quest Money Market|Code=MM-119-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(3000000.00)#% APY with standard rates
  • View rates

Additional information

  • No fee for checks
  • Unlimited ATM transactions at other banks' ATMs with no fee from us5

Citizens Private Client® Money Market

Must have a Citizens Private Client® Checking account.

Monthly maintenance fees

  • $0 with Citizens Private Client® Checking

Interest rates4

A minimum of $25,000 of new money is required to qualify for preferred rates.

  • Get up to #ProductLine=ODS|Brand=citizensbank|Product=Money Markets|ProductName=Citizens Wealth Money Market|Code=MM-166-NoGuar|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(3000000.00)#% APY with preferred rates or up to #ProductLine=ODS|Brand=citizensbank|Product=Money Markets|ProductName=Citizens Wealth Money Market|Code=MM-166-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(3000000.00)#% APY with standard rates
  • View rates

Additional information

  • Get all the same benefits as Citizens Quest Money Market, plus unlimited rebates on ATM fees charged by other banks

Additional features and benefits

Citizens Checkup®

Enjoy personal guidance on your account. We understand that it can be hard to know where to start when it comes to your finances. With a Citizens Checkup®, our bankers can help you focus on what’s important and map out a plan for your future.

  • Free for all Citizens customers
  • Bankers will assess and develop a customized approach to your needs
  • Help you start or modify your financial journey
  • Help you track for retirement and more
  • Appointments are available in branch or by phone

Make an Appointment

Money Market Account FAQs

© Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC

Citizens offers personal money market accounts in the following states: CT, DC, DE, FL, MD, MA, MI, NH, NJ, NY, OH, PA, RI, VT or VA

1Personal Money Market, Citizens Quest Money Market and Citizens Private Client Money Market Account Rates Disclosure: Rates accurate as of #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=currentDate# and subject to change before or after account opening ( #Json=Label_Lookup|Brand=citizensbank|TargetElementType=span|TargetElementId=|Key=Region Label#). Rates apply to new accounts and may not apply to existing accounts. The variable Annual Percentage Yield (APY) is subject to increase or decrease daily after account opening without notice. Rates are not tied to an index and are subject to change at the bank’s discretion. Other fees may apply. Fees may reduce earnings.

    Mastercard Disclosure: Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

    Zelle® Disclosure: Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.