Citizens Quest® Money Market
Access our CitizensPlus® loyalty program† with exclusive benefits such as better deposit rates†, credit card rewards1, and more.
- No monthly maintenance fees on a Citizens Quest Money Market account.
- Get up to 2.75% Annual Percentage Yield (APY) with preferred rates or up to 0.15% APY with standard rates.2
- FDIC insurance* and 24/7 fraud monitoring.
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 rates2
- 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 rates2
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 us†
Citizens Private Client® Money Market
Must have a Citizens Private Client® Checking account.
Monthly maintenance fees
- $0 with Citizens Private Client® Checking
Interest rates2
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
Money Market Account FAQs
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.
You may open a Citizens Money Market account with any amount.
Funding options vary. When opening in branch or online your funding options will be provided.
Please refer to the Personal Deposit Account Fees and Features Guide for additional information.
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.
Money market accounts allow unlimited deposits and withdrawals at branches or ATMs.
However, certain transactions, like online or phone transfers, checks, debit card purchases, preauthorized payments, and outgoing wires are limited to 6 per statement cycle. Exceeding these limits may result in your account being converted to a non-interest-bearing checking account. Some money market accounts have a monthly maintenance fee that can be waived by meeting by minimum balance requirements.
Please refer to the Personal Deposit Account Fees and Features Guide for additional information.
Yes, Citizens money market accounts usually allow check writing and debit card access, but transactions are limited to no more than 6 per statement period. Exceeding the limits may lead to account changes.
APY (Annual Percentage Yield) shows the true annual return you’ll earn, including the effect of compounding.
Click here for more information on Annual Percentage Yield.
© Citizens Financial Group, Inc. All rights reserved. Citizens Bank, N.A. Member FDIC
* FDIC insurance up to the maximum amount allowed by law.
† For additional information, please click the † symbols throughout this page to view our checking disclosures and our savings disclosures.
1 The Citizens Summit Reserve World Elite Mastercard Reward Program: You will earn 3% Rewards Points for every dollar you spend on eligible purchases made in the restaurant, grocery store (excluding Walmart® and select superstores), and entertainment (including streaming services) merchant categories with your Citizens Summit Reserve™ World Elite Mastercard®. You will earn 1.5% Reward Points for every dollar you spend on all other eligible net purchases with no limits, as long as your account is in good standing. A Card account is in good standing if your Card is open and has charging privileges. Purchases are submitted and categorized by the merchant. Merchants are assigned a merchant code, which is determined by the merchant, or its processor based on the products and services they primarily sell. Citizens does not choose the merchant code or control how purchases are classified. A purchase will not receive the additional Reward Points if the merchant's code is not eligible. This Rewards Program is governed by the terms and conditions set forth in the Reward Guide. You will receive the Reward Guide when your account is opened. The Reward Guide will explain the program, including the following: A) Earn cash back rewards on all eligible net purchases. A net purchase is the amount of a purchase less any credits, returns and adjustments. Certain transactions do not qualify for cash back rewards. For example, balance transfers, cash advances, account fees or charges, interest charges, life insurance charges, money orders, wire transfers, lottery tickets, gambling charges, or unauthorized charges to your account do not earn cash back rewards. Please refer to your Reward Guide for complete program terms and conditions. B) Cash Back Rewards will not expire as long as your credit card account is in good standing, and you make an eligible purchase once every twelve (12) months. C) Program subject to change. D) You are solely responsible for any taxes that may be owed as a result of cash back rewards earned and/or redeemed under this card. Please consult your tax advisor. E) Other terms may apply and will be included in the Agreement.
As of 9/15/2025. Features and rules subject to change without notice. Restrictions may apply. See website for terms and additional information.Credit cards are issued by Citizens Bank, N.A. pursuant to license by Mastercard International Incorporated.
2 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.
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
All accounts disclosure: All accounts and services are subject to individual approval.
Banking products disclosure: Banking products are offered through Citizens Bank, N.A. ("CBNA"). For deposit products, Member FDIC.
Mastercard disclosure: Mastercard and the circles design are registered trademarks 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.