A Citizens Money Market account can help you grow your cash reserves with competitive yields and FDIC insurance.*
Access our CitizensPlus® loyalty program1 with exclusive benefits such as better deposit rates2, credit card rewards3, and more.
A simple way to save for larger goals with a competitive interest rate.
Monthly maintenance fees
Interest rates4
Must have a Citizens Quest® Checking account.
Monthly maintenance fees
Interest rates4
A minimum of $25,000 of new money is required to qualify for preferred rates.
Additional information
Must have a Citizens Private Client® Checking account.
Monthly maintenance fees
Interest rates4
A minimum of $25,000 of new money is required to qualify for preferred rates.
Additional information
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.
A money market account is a variable APY account similar to a savings account which may earn a higher interest rate compared to savings for customers who do not need frequent access to their funds.
Click here for more information about money market accounts.
Monitor and access your account anytime, anywhere with Citizens Mobile6 and Online Banking. Download our 24/7 mobile app and learn more here.
While we don't require a minimum balance to open, some accounts and/or promotional offers may have requirements that must be satisfied. See your promo offer for more details.
Annual Percentage Yield (APY) expresses an annual rate of return taking into account the effect of compounding.
Click here for more information on Annual Percentage Yield.
Unlimited deposits, in-branch or ATM transactions. We limit certain types of transactions to no more than 6 per statement period, including telephone transfers, online transfers, automatic interest transfers, preauthorized or automatic debits, preauthorized transfers, outgoing wire transfers and checks, debit card transactions or similar orders to a third party from the money market. If you exceed these limits 3 times or more during any consecutive 12-statement period, we will, as applicable, transfer the funds in your money market account to a checking account that does not pay interest. We may, however, transfer your funds sooner if you significantly exceed these transfer limits in any one statement period.
Please refer to the Fees and Features Guide for additional information.Please note that withdrawals and transfers made at our branches or ATMs do not count against these limits.
You may open a Citizens Money Market account with any amount. Take advantage of all the seamless tools and benefits to help maintain your financial goals and balances.
Have more questions? Get more answers in our full FAQs section.
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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.