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One Deposit Savings from Citizens Bank™

Call 1-877-360-2472

Save to reach your everyday goals – to buy a car, save for a down payment on a home,
or prepare for life’s expected and unexpected expenses.

Balance & Fees

Any Amount

Open your account with any amount. Seriously.

$0 or $4.99

Make at least one deposit of any amount each monthly maintenance fee period to waive the fee.1

Interest Rates

Want to Learn More? Download our Account Guide.

Features & Benefits

Branches
and ATMs

Visit us at more than 1,100 branches and over 2,900 ATMs

Automatic
Transfers

Automatically transfer funds from your checking account using Steady Save®

Waive Monthly
Fees

We provide simple ways to waive your monthly maintenance fees

Safety &
Security

Bank securely with 24/7 fraud monitoring and FDIC insurance

Overdraft
Protection

Use your savings account to enroll in Overdraft Protection

24/7
Banking

Bank anytime, anywhere with Online, and Mobile Banking*

3 Easy Steps to Open Your Account Online

  1. Have these ready

    • Driver’s License/State ID
    • Social Security Number
    • Email Address
    • Phone Number

  2. Fill out the application

    • Follow the simple instructions to complete your application

  3. Make Opening Deposit

    • Choose how to fund your opening deposit. Use a debit card or transfer from another bank
    • Submit the application

Note: You must be a U.S. citizen or resident alien age 18 or older. Not a U.S. Citizen or under 18? Visit us in-branch.

Ready to open an Account?
Ready to open an Account?

More Things You Can Do

Bank on the go.

Download our mobile banking app* for iPhone®, iPad® and Android™ and select "Enroll Now" from the Login screen. Your money will be where it belongs – in your hands.

Save money fast.

Looking to get your savings on track? Check out these action items to help you increase your savings.

Questions? We can help!

Citizens Bank is here for you 24/7. Visit us at more than 1,100 branches, on the phone or online. When you need us, we’re here to help.

Still not sure what Savings account is best for you?

Compare all of our savings products


Download detailed account documents

Account Guide

Fees and Features

Account Agreement

 

One Deposit™ FAQs

  • What is a savings account?
    Savings accounts are a great solution for customers with a specific need or goal even if they also have a Money Market or CD. They allow customers to designate funds in individual accounts for a specific goal separate from their checking account. Common goals include; an emergency fund for unexpected expenses, vacation savings, holiday savings, home improvements, taxes, and saving for a new car among others.
  • How do I open an account?
    Depending on your preference, you can apply for a Citizens savings account online, over the phone, or at any Citizens Bank branch. To apply online, just select the appropriate link from the top of this page and find the account you wish to open. You will then see instructions about applying online. You can also Ask A Citizen by calling 1-877-360-2472 or visiting the branch most convenient to you.
  • What is APY?
    Annual Percentage Yield (APY) expresses an annual rate of return taking into account the effect of interest compounding.
  • Are there any transaction limits on a savings account?
    Savings accounts have limits on transfers to other accounts that belong to the customer, or to third parties by preauthorized, automatic, personal computer (including online banking or bill payment services) or telephone transfer to 6 per calendar month for savings accounts and 6 per statement period for money market accounts.  3 check, card transaction or similar order to third parties may be made each statement period from a money market account. If the customer exceeds these limits 3 times or more during any 12 consecutive months, we are required to transfer the funds to a product that does not pay interest and does not limit transactions.
  • What is a savings account?
    Savings accounts are a great solution for customers with a specific need or goal even if they also have a Money Market or CD. They allow customers to designate funds in individual accounts for a specific goal separate from their checking account. Common goals include; an emergency fund for unexpected expenses, vacation savings, holiday savings, home improvements, taxes, and saving for a new car among others.
  • How do I open an account?
    Depending on your preference, you can apply for a Citizens savings account online, over the phone, or at any Citizens Bank branch. To apply online, just select the appropriate link from the top of this page and find the account you wish to open. You will then see instructions about applying online. You can also Ask A Citizen by calling 1-877-360-2472 or visiting the branch most convenient to you.
  • What is APY?
    Annual Percentage Yield (APY) expresses an annual rate of return taking into account the effect of interest compounding.
  • Are there any transaction limits on a savings account?
    Savings accounts have limits on transfers to other accounts that belong to the customer, or to third parties by preauthorized, automatic, personal computer (including online banking or bill payment services) or telephone transfer to 6 per calendar month for savings accounts and 6 per statement period for money market accounts.  3 check, card transaction or similar order to third parties may be made each statement period from a money market account. If the customer exceeds these limits 3 times or more during any 12 consecutive months, we are required to transfer the funds to a product that does not pay interest and does not limit transactions.

Savings Goal Calculator

What will it take to reach your savings goal? Enter in your savings plan and view your financial results graphically.

Learn More

Savings Rate Comparison

Use this calculator to see how different savings rates can impact your strategy!

Learn More

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