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.
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
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.
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.
Compound interest is the concept of adding accumulated interest back to the principal, so that interest is earned on interest from that moment on.
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.
© 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
All accounts and services are subject to individual approval.
1 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.
2 Non-Citizens ATM owners may charge a fee.
3 Wireless carrier, text, and/or data charges may apply.
4 U.S. Checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occurs in minutes and generally do not incur transaction fees. Data charges may apply.
5 The Citizens Zero Liability coverage protects you from being held responsible for unauthorized transactions on your Citizens debit card when reported promptly. Claims of unauthorized use are subject to verification and investigation. For more information, please visit our Zero Liability page.
6 If you are a Citizens Personal Checking, Savings or Money Market account customer that has set up a direct deposit with a payor, you may be able to get that direct deposit up to two days early with Citizens Paid Early®. Whether a direct deposit is eligible for Paid Early is at our discretion and we cannot guarantee that you will always receive the Paid Early service.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
† For additional information, please click the † symbols throughout this page to view our checking disclosures.
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 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.