Compare Savings Accounts

The right savings options can make it easier for you to get where you want to go. Take a look at the different types of savings accounts below to find the best option for you. Still have questions about our options? Ask a Citizen. We can help.

Choose Your Account A simple way to build your savings. This relationship savings account comes with Platinum Checking and helps you grow your savings with Platinum interest rates. This relationship savings account comes with Platinum Plus Checking and offers even better Platinum Plus interest rates. A smart way to help save for a child's education and earn a $1,000 bonus if you qualify.1 A rewarding savings plan to help you save for a down payment on a home and save on closing costs.2
How to Waive Monthly Maintenance Fee Keep a minimum daily balance of $200 in your account. Account will automatically receive a fee waiver on the first four monthly maintenance fees.

$0

with Platinum Checking

$0

with Platinum Plus Checking

$0

$0

Monthly Maintenance Fee

$4.99

Standard Account Features
Interest Rates View Standard Rates View Platinum Rates View Platinum Plus Rates View Rates View Rates
Minimum Balance to Open Any amount Any amount Any amount $25 if child is under 6 at opening, $500 if child is 6 or older but under 12 at opening $100
Minimum Monthly Contributions N/A N/A N/A $25 if child is under 6 at opening, $50 if child is 6 or older but under 12 at opening. $100 a month for 36 months.
Available for Savings Overdraft Transfer3 checkmark Icon checkmark Icon

No fee for Savings Overdraft Transfers

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No fee for Savings Overdraft Transfers

GoalTrack Savings® checkmark Icon checkmark Icon checkmark Icon
ATM Access checkmark Icon checkmark Icon checkmark Icon
Bonus Savings $1,000 bonus for college when you make the minimum monthly contribution. $1,000 toward closing costs when you save $100 a month for 36 months and finance your home with Citizens Bank.
Open Account Open Account Open Account Open Account Open Account

Wireless carrier, text and/or data charges may apply.

1 Terms, conditions and withdrawal limitations apply. Account must be opened before child's 12th birthday. To receive the $1,000 bonus plus interest, you must save the monthly minimum amount each year. One skipped deposit allowed per year. Account must be open to receive bonus. One account per child. Once the program requirements have been met, the bonus plus accrued interest will be credited to your CollegeSaver account and labeled as "CollegeSaver Bonus" on your statement; bonus will post within 45 days after the child's 18th birthday. Minimum balance for the bonus at beneficiary's 18th birthday varies. Interest will be reported to the IRS for the account owner (e.g., a parent or a child for UTMA (Uniform Transfers to Minors Act)).

2 Minimum to open $100. Terms, conditions and withdrawal limitations apply. This does not represent a formal commitment for and participation in this savings plan does not guarantee that we will provide you with a mortgage loan. To obtain the $1,000 credit on your Citizens Bank mortgage, you must make net deposits of $100 minimum per month for 36 months. One missed deposit allowed per year. You must separately qualify, be approved and close on a mortgage loan with us within three years after the end of the three-year savings period. Your account must remain open until you close on a mortgage loan with us to receive credit. One credit per mortgage loan.

3 $12 Transfer Fee per day for each day a transfer(s) occurs. No Transfer Fee will be charged for any day on which all transfers are for overdraft items $5 or less - $5 Overdraft Pass®. Transfer Fee waived for Platinum Checking and Platinum Plus Checking accounts. Savings Overdraft Transfers are included in the 6 transfers and preauthorized debits allowed from savings accounts per calendar month. Please refer to your Deposit Account Agreement for more details on Withdrawal Limitations.