Here’s how to make up to $1,800*
in your first year when you:
- Open a select, new personal or business Citizens Savings account.
- Make one, single deposit of new money from an external source into your new Citizens personal or business savings account within 10 business days of opening the account. Maintain the required daily balance in your savings account to receive the monthly bonus.
- $40,000 or more to receive up to $1,800*
($150/month for 12 months)
OR - $15,000–$39,999 to receive up to $600*
($50/month for 12 months)
- $40,000 or more to receive up to $1,800*
Choose an account to start earning
Open your accounts online today or visit a branch
You must have an existing personal or business checking account to qualify for the offer. Click here if you do not have one.
Citizens Quest® Savings
A relationship account with extra features, without extra fees.
- Available with a Citizens Quest® Checking account
- Waive the $25 monthly maintenance fee on the checking account when you either: Make $5,000 in total deposits to your primary checking each statement period OR maintain $25,000 in monthly combined deposits and investments**
- Quest Savings account has no monthly maintenance fees
Citizens Private Client® Savings
Higher savings rates, fewer fees, and a personalized plan to help you work toward your financial goals.
- Available with a Citizens Private Client® Checking account
- Maintain $200,000 in combined deposits and investments** to qualify1
- Private Client Savings account has no monthly maintenance fees
One Deposit Savings from Citizens®
A simple solution to everyday banking.
- Make at least one deposit of any amount each monthly maintenance fee period to waive the $4.99 fee2
Business Savings Account3
The right business savings account keeps your funds secure and easily accessible.
- Account will automatically receive a fee waiver on the first 4 monthly maintenance fees
- Waive the $4.99 monthly maintenance fee by maintaining a $500 average daily balance
- Available with Clearly Better Business Checking®, Business Advisor Checking® or Citizens Analysis Business Checking.
Frequently asked questions
If you don't have an existing personal or business checking account, you may be eligible for a different offer. Click here for offer details.
New Money is external funds that are not already on deposit with Citizens or Citizens Access.
No. The required funding amount must be provided through a single deposit from an external source directly to your applicable Citizens personal savings account or Business Savings account within 10 business days of account opening.
Once initial offer requirements are met, eligibility for the savings bonus is evaluated each month. If you do not meet the applicable requirements in a given month, you will not earn a bonus for that month. However, you may continue to earn bonuses in future months by meeting the applicable requirements during those months.
© Citizens Financial Group, Inc. All rights reserved. Citizens Bank, N.A. Member FDIC
* To earn your bonus: Get up to $1,800 over twelve monthly qualification periods. To qualify for this promotion, customers must have an existing Citizens checking account, open a new eligible savings account between October 1 and November 15, 2026, and satisfy the applicable savings bonus requirements. To earn the consumer savings bonus 1.) Open a new One Deposit Savings, Citizens Quest® Savings, or Citizens Private Client® Savings account between October 1 and November 15, 2026. To earn the business savings bonus: 1.) Open a new Business Savings account between October 1 and November 15, 2026, and 2.) For consumer and/or business savings bonus: make one single deposit totaling at least $15,000 in new money into the new savings account no later than 10 business days after account opening from an external funding source. For each calendar month, earn $50 if the new savings account's end-of-day daily balance is $15,000 through $39,999.99, or $150 if that balance is $40,000 or more. The maximum savings bonus is $1,800. The tier is determined separately each month, so you may move between tiers. A new savings account balance below $15,000 earns no bonus for that month but does not prevent qualification in a later month when an eligible balance is restored.
Consumer and/or Business Eligibility: Checking and savings accounts must continuously stay open and in good standing throughout the offer period to be considered for a bonus. Customers may qualify for both the consumer and business banking offers if they independently satisfy the eligibility requirements for each offer. New account(s) must have a balance greater than zero and remain open and active throughout the payout date. Any account that remains at zero balance may be closed if it is not funded. Each customer may participate in the consumer offer once and the business offer once. If multiple new savings accounts are opened on the same day, only the first savings account to satisfy the qualifying requirements will be eligible to receive the bonus. Current and prior Citizens savings account ownership is permitted. New money means external funds not currently on deposit with Citizens or Citizens Access®. Qualifying deposit amounts are based on one single deposit deposited within 10 business days of new savings account opening from an external funding source. The primary owner may receive up to twelve bonuses per eligible Citizens savings account under this offer. This offer may not be combined with another checking or savings offer, as applicable. Offer eligibility is determined at Citizens’ sole discretion. Right to Terminate: Citizens may modify, suspend, or terminate this offer at any time. Disqualification: Reward will be denied or forfeited if: (1) the new money requirement is not met or maintained, as defined above. For Consumer: Citizens Private Bank® Savings, and Citizens Access® Online Savings accounts are not eligible.
Payout: Each earned savings bonus, labeled "Promo Bonus," will be deposited into the applicable new savings account on the last day of the month following the month in which all applicable savings requirements are met. Bonuses may be reported to the IRS for income tax purposes. The applicable new account must remain open through its payment date; if it is closed earlier, the related bonus will not be paid. Please refer to the payout timing section below.
Payout Table:
| If you open your account between: | Satisfy savings requirements monthly from: | Savings bonus paid to the applicable new savings account by end of day: |
|---|---|---|
| October 1-October 31, 2026 | November 2026 throughout October 2027 | The last day of each month following the month in which all requirements are satisfied |
| November 1- November 15, 2026 | December 2026 throughout November 2027 | The last day of each month following the month in which all requirements are satisfied |
Payout Timing Examples:
| If you open your account between: | Satisfy savings requirements monthly in: | Savings bonus paid to the applicable new savings account by end of day: |
|---|---|---|
| October 1-October 31, 2026 | November 2026 | December 31, 2026 |
| November 1- November 15, 2026 | December 2026 | January 31, 2027 |
We have multiple consumer and business savings options, for example if you open a Citizens Quest® Savings the Variable-rate Annual Percentage Yield (APY) varies by tier. As of 9/21/2026, APY by tier for Citizens Quest Savings is: 0.02% for tiers below $2,500, $2,500+, $10,000+, $25,000+, $50,000+, $75,000+, $250,000+,$1,000,000+ and $3,000,000+. For deposits accounts fees may reduce earnings. Rates subject to change before or after account opening. The Citizens Business Savings account has a variable rate APY subject to increase or decrease daily without notice. Rates are not tied to an index and are subject to change at the bank's discretion. Recently, existing customers in a similar account have seen their rate decrease over time. Other fees may apply. Fees may reduce earnings. For example, as of 9/21/2026 APY by tier for Citizens Business Savings is: 0.01% for balances below $999, $1,000+, $2,500+, $10,000+, $25,000+, $50,000+, $75,000+, $250,000+ and $1,000,000+. The minimum opening balance for business savings accounts can be of any amount.
** Securities, Insurance Products and Investment Advisory Services offered through Citizens Wealth Management.
1 Citizens Private Client® Checking requires a $200,000 monthly combined deposit and investment balance across your linked accounts. Your relationship will be periodically reviewed for the purpose of determining Private Client Checking eligibility. If you do not maintain the required monthly combined balances, your Citizens Private Client accounts will be converted to our Citizens Quest® accounts and will be subject to the terms and conditions then in effect for Citizens Quest.
2 FOR ONE DEPOSIT SAVINGS ONLY: You may also make one deposit of any amount per statement period or maintain a $200 minimum daily balance to waive the monthly maintenance fee. No monthly maintenance fee while you're under 25 or 65 or older. Account will automatically receive a waiver on the first 4 monthly maintenance fees.
3 This account has a variable rate APY (Annual Percentage Yield) subject to increase or decrease daily without notice. Rates are not tied to an index and are subject to change at the bank's discretion. Recently, existing customers in a similar account have seen their rate decrease over time. Other fees may apply. Fees may reduce earnings.
Banking products are offered through Citizens Bank, N.A. ("CBNA"). For deposit products, Member FDIC.
Citizens Wealth Management (in certain instances d/b/a Citizens Private Wealth) is a division of Citizens Bank, N.A. ("Citizens"). Securities, insurance, brokerage services, and investment advisory services are offered by Citizens Securities, Inc. ("CSI"), a registered broker-dealer (Branch address: One Citizens Bank Way, Johnston RI 02919) and SEC registered investment adviser - Member FINRA/SIPC. Investment advisory services are also offered by Citizens Private Wealth, LLC ("CPW"), an SEC-registered investment adviser (see Form ADV Part 2A for details). CSI and CPW are affiliates of Citizens. Banking products and trust services are offered by Citizens. For deposit products, Member FDIC.
SECURITIES, INVESTMENTS AND INSURANCE PRODUCTS ARE SUBJECT TO RISK, INCLUDING PRINCIPAL AMOUNT INVESTED, AND ARE:
· NOT FDIC INSURED · NOT BANK GUARANTEED · NOT A DEPOSIT · NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY · MAY LOSE VALUE