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Savings Accounts

How can you turn “someday” into “now”? Ask a Citizen. We’ll help you find the right account, whatever your savings goal. Compare all accounts.

Green Savings®

A smart & easy way to save. Set specific savings goals and earn rewards when you enroll in our GoalTrack Savings® program.

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Minimum balance to open

Any Amount

Monthly maintenance fee and how to avoid it

$4.99

Keep a minimum daily balance
Minimum Daily Balance is the balance (collected and uncollected) in the account each day. To waive the fee, the account balance must not fall below the minimum balance requirement on any day during the statement period.
of $200 in your account. Account will automatically receive a fee waiver on the first 4 monthly maintenance fees.
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Citizens Bank Platinum Savings®

This relationship savings account comes with Platinum Checking. It provides access to Platinum rates and no monthly maintenance fee.

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Minimum balance to open

Any Amount

Monthly maintenance fee and how to avoid it

$0

only available with Platinum Checking

Already a customer? Upgrade to platinum today.
Find a branch or call 1-800-922-9999

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Citizens Bank Platinum Plus Savings®

This relationship savings account offers better Platinum Plus rates plus the same preferred benefits and services as Platinum Savings.

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Minimum balance to open

Any Amount

Monthly maintenance fee and how to avoid it

$0

only available with Platinum Plus Checking

Already a customer? Upgrade to Platinum Plus today.
Find a branch or call 1-800-922-9999

Apply Now

CollegeSaver®

Look ahead to the future. Save for your child’s education, and get a $1,000 bonus once your child turns 18 and program requirements are met.

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Minimum balance to open

$25

If child is under 6 years of age

$500

If child is 6 or older, but under 12 years of age

Minimum monthly contributions

At least $25 if child is under 6 years of age at opening

At least $50 if child is 6 or older, but under 12 years of age at opening

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Citizens Bank HomeBuyer Savings®

Dream of owning a home? Start saving for a down payment, closing costs and other home-buying fees. Plus receive a $1,000 credit toward closing costs on your Citizens Bank mortgage once program requirements are met.

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Minimum balance to open

$100

Minimum monthly contributions

At least $100 a month for 36 months.

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Green Savings®

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Citizens Bank Platinum Savings®

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Citizens Bank Platinum Plus Savings®

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CollegeSaver®

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Citizens Bank HomeBuyer Savings®

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Choose Your Account A simple way to build your savings. This relationship savings account comes with Platinum Checking and helps you grow your savings with Platinum interest rates. This relationship savings account comes with Platinum Plus Checking and offers even better Platinum Plus interest rates. A smart way to help save for a child's education and earn a $1,000 bonus if you qualify.1 A rewarding savings plan to help you save for a down payment on a home and save on closing costs.4
How to Waive Monthly Maintenance Fee Keep a minimum daily balance
Minimum Daily Balance is the balance (collected and uncollected) in the account each day. To waive the fee, the account balance must not fall below the minimum balance requirement on any day during the statement period.
of $200 in your account. Account will automatically receive a fee waiver on the first four monthly maintenance fees.

$0

with Platinum Checking

$0

with Platinum Plus Checking

$0

$0
Monthly Maintenance Fee

$4.99

 N/A N/A N/A N/A
Standard Account Features    
Interest Rates View Standard Rates View Platinum Rates View Platinum Plus Rates View Rates View Rates
Minimum Balance to Open Any amount Any amount Any amount $25 if child is under 6 at opening, $500 if child is 6 or older but under 12 at opening $100
Minimum Monthly Contributions N/A N/A N/A $25 if child is under 6 at opening, $50 if child is 6 or older but under 12 at opening. $100 a month for 36 months.
Available for Savings Overdraft Transfer3
No fee for Savings Overdraft Transfers
No fee for Savings Overdraft Transfers		    
GoalTrack Savings®    
ATM Access    
Bonus Savings       $1,000 bonus for college when you make the minimum monthly contribution. $1,000 toward closing costs when you save $100 a month for 36 months and finance your home with Citizens Bank.
 
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1 Terms, conditions and withdrawal limitations apply. Account must be opened before child's 12th birthday. To receive the $1,000 bonus plus interest, you must save the monthly minimum amount each year. One skipped deposit allowed per year. Account must be open to receive bonus. One account per child. Once the program requirements have been met, the bonus plus accrued interest will be credited to your CollegeSaver account and labeled as "CollegeSaver Bonus" on your statement; bonus will post within 45 days after the child's 18th birthday. Minimum balance for the bonus at beneficiary's 18th birthday varies. Interest will be reported to the IRS for the account owner (e.g., a parent or a child for UTMA (Uniform Transfers to Minors Act)).

2 Minimum to open $100. Terms, conditions and withdrawal limitations apply. This does not represent a formal commitment for and participation in this savings plan does not guarantee that we will provide you with a mortgage loan. To obtain the $1,000 credit on your Citizens Bank mortgage, you must make net deposits of $100 minimum per month for 36 months. One missed deposit allowed per year. You must separately qualify, be approved and close on a mortgage loan with us within three years after the end of the three-year savings period. Your account must remain open until you close on a mortgage loan with us to receive credit. One credit per mortgage loan.

3 $12 Transfer Fee per day for each day a transfer(s) occurs. No Transfer Fee will be charged for any day on which all transfers are for overdraft items $5 or less - $5 Overdraft Pass®. Transfer Fee waived for Platinum Checking and Platinum Plus Checking accounts. Savings Overdraft Transfers are included in the 6 transfers and preauthorized debits allowed from savings accounts per calendar month. Please refer to your Deposit Account Agreement for more details on Withdrawal Limitations.

4 Minimum to open $100. Terms, conditions and withdrawal limitations apply. This does not represent a formal commitment for and participation in this savings plan does not guarantee that we will provide you with a mortgage loan. To obtain the $1,000 credit on your Citizens Bank mortgage, you must make net deposits of $100 minimum per month for 36 months. One missed deposit allowed per year. You must separately qualify, be approved and close on a mortgage loan with us within three years after the end of the three‑year savings period. Your account must remain open until you close on a mortgage loan with us to receive credit. One credit per mortgage loan.