What is the minimum to open a Citizens savings account?

You may open a Citizens savings account with any amount. Take advantage of all the seamless tools and benefits to help maintain your financial goals and balances.

Does Citizens limit savings withdrawals?

Citizens does not limit transactions, including withdrawals, on savings accounts. Please refer to the Fees and Features Guide for additional information.

How do I choose the best savings account for my goals?

The best savings account depends on your goals, habits, and how quickly you may need access to your money. Citizens offers several options to match different needs: If you re just getting started: A simple Savings Account works well thanks to low balance requirements and straightforward features designed to help you begin saving toward everyday goals. If you want to earn more and keep flexibility: Money Market Accounts offer higher interest rates and let you access funds including the ability to write checks making them ideal if you want both growth and liquidity. If you can set money aside for a while: Certificates of Deposit (CDs) provide fixed interest rates for a set term, making them a strong choice if you don t need immediate access and want predictable returns. If you re focused on long term financial security: IRA Savings or IRA CDs help you save for retirement, offering structured ways to grow funds over the long term. If you want help building better saving habits: Services like Steady Save® automatically move money from checking to savings, helping you save consistently without thinking about it.

How does Citizens Savings Tracker work?

All you need to get started is an eligible Citizens Personal Savings or Money Market Account. If you want to take advantage of Round Ups, you will also need an eligible Citizens Personal Checking Account. Download the Citizens Mobile Banking App and register for mobile banking Select the "Financial Wellbeing" section in the app's menu and create a goal Discover more benefits of Citizens Savings Tracker®.

What is the difference between a money market account and a savings account?

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.

Why do I need a savings account if I already have a checking account?

A checking account and a savings account serve two different purposes and having both helps you manage your money more effectively. A Checking Account is built for everyday spending Paying bills Using a debit card Making frequent withdrawals A Savings Account is designed for money you want to save and keep, not spend. Earns a higher interest rate to grow your money Separates savings from daily spending to build an emergency fund Helps build good financial habits and long-term security

Compare Savings Accounts at Citizens

Citizens offers savings options based on how you use your money: simple Savings Accounts to get started, Money Market Accounts that may offer higher interest rates with flexibility, and CDs for fixed returns if you can set funds aside. For long‑term goals, IRA Savings and IRA CDs support retirement planning, while tools like Citizens Savings Tracker®^† help build consistent saving habits automatically.

Savings Accounts

Great if you're just getting started or want to set some money aside.

A simple Savings Account works well thanks to low balance requirements and straightforward features designed to help you begin saving toward everyday goals.

Money Markets

Ideal if you want to earn more and keep flexibility

Money Market Accounts offer higher interest rates and let you access funds — including the ability to write checks — making them ideal if you want both growth and liquidity.

Certificates of Deposit (CDs)

A smart choice if you can set money aside for a while.

Certificates of Deposit (CDs) provide fixed interest rates for a set term, making them a strong choice if you don't need immediate access and want predictable returns.

IRA Savings and IRA CDs

A solid choice if you're focused on long‑term financial security.

IRA Savings or IRA CDs help you save for retirement, offering structured ways to grow funds over the long term.

Check deposited - 10% sent to your savings!

Not sure where to start?

Our One Deposit Savings from Citizens® Account makes it easy to get started on your savings journey

Waive the $4.99 Monthly Maintenance Fee with any one of the following:

Make one deposit of any amount per statement period
OR Maintain a $200 minimum daily balance
No monthly maintenance fee assessed when signer is under 25 or 65 or older
New accounts will automatically receive a waiver on the first 4 monthly maintenance fees, making it easier for you to get started

Open One Deposit Savings

^† For additional information, please click the ^† symbols throughout this page to view our savings and deposits disclosures.

Compare Ways To Save

What kind of savings account is right for me?

Savings Accounts

Money Markets

Certificates of Deposit (CDs)

IRA Savings and IRA CDs

Not sure where to start?