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One Deposit Savings from Citizens®

With features like Citizens Paid Early® which lets you get paid sooner—up to 2 days early.†

Open Account
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The below rates are for Rhode Island. Please update your ZIP code to see pricing, rates and promotions in your area.

Features & Benefits

Any amount

Open your account with any amount. Seriously.

Safety & security

Bank securely with 24/7 fraud monitoring and FDIC insurance, so you can breathe easier.

Waive monthly maintenance fee

Make at least one deposit of any amount each monthly maintenance fee period to waive the $4.99 fee.†

One Deposit Savings Interest Rates1

Balance Annual Percentage Yield
$0 - $999.99 #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Green Savings|Code=RSAV-635-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(0.00)#%
$1,000 - $2,499.99 #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Green Savings|Code=RSAV-635-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(1000.00)#%
$2,500 - $9,999.99 #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Green Savings|Code=RSAV-635-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(2500.00)#%
$10,000 - $24,999.99 #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Green Savings|Code=RSAV-635-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(10000.00)#%
$25,000 - $49,999.99 #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Green Savings|Code=RSAV-635-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(25000.00)#%
$50,000 - $74,999.99 #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Green Savings|Code=RSAV-635-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(50000.00)#%
$75,000 - $249,999.99 #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Green Savings|Code=RSAV-635-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(75000.00)#%
$250,000 - $999,999.99 #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Green Savings|Code=RSAV-635-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(250000.00)#%
$1,000,000+ #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Green Savings|Code=RSAV-635-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(1000000.00)#%

Open an account online in three easy steps:

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.

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 online

3. Make Opening Deposit

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

Savings FAQs

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.

Depending on your preference, you can apply for a Citizens savings account online, over the phone, or at any Citizens 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.

Annual Percentage Yield (APY) expresses an annual rate of return taking into account the effect of interest compounding.

Citizens does not limit transactions, including withdrawals, on savings accounts.

Have more questions? Get more answers in our full FAQs section.

© Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC

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

1One Deposit Savings from Citizens Account Rate Disclosure: 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 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.