Citizens Savings Accounts

All our savings accounts come with Citizens Savings Tracker®† which lets you set and track goals, enroll in automatic transfers, and more.

Setting money aside shouldn't be complicated

Whether you're building toward a goal or strengthening your spending habits, getting started is simple.

One Deposit Savings from Citizens®

  • No minimum deposit to open
  • 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
    • New accounts receive a waiver on the first 4 monthly maintenance fees
    • Account Details
Open SavingsBundle with Checking

Get the most out of your savings account

Having a savings account is about more than just setting money aside. It's a great tool to help build savings habits, plan for the future, and protect against surprise fees.

Manage your saving and spending all in one place

Having your savings and checking accounts together makes it easier to set money aside regularly, transfer funds when you need to, and stay on track toward your savings goals.

Tools designed to help you reach your savings goals

The easiest way to save is to make it automatic. With tools that help you automate your savings and track your progress, you can grow your balance over time without adding to your to-do list.

Protection from overdrafts keeps you ready for the unexpected

A connected savings account can serve as a financial backup, by automatically transferring available funds to cover transactions when your checking balance runs low†.

Relationship savings accounts

As your financial needs grow, so do our savings account options. A Citizens Quest® checking or Citizens Private Client® checking account is required when opening a savings account and will give you access to more perks - including personalized guidance, competitive interest rates and more.

Citizens Quest® Savings

A relationship account with extra features, without extra fees.

  • No monthly maintenance fees on savings accounts.
  • Enjoy priority service from dedicated Citizens Quest agents.
  • Account Details

Open a Citizens Quest® Savings Account

Citizens Private Client® Savings

Higher savings rates, fewer fees, and a dedicated relationship manager to help you work toward your financial goals.

Open a Citizens Private Client® Savings Account

If you don't already have a Citizens Quest® or Private Client® checking account you will be prompted to open one during account opening.

Features and benefits

Safety and security

Bank securely with 24/7 fraud monitoring and FDIC insurance.†

Personalized guidance

Would you like more details from one of our bankers? Schedule an appointment.

Waive monthly maintenance fees

We provide simple ways to waive your monthly maintenance fees.

Savings account 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.

Read more about savings accounts and how they work.

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.

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.

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. Please refer to the Fees and Features Guide for additional information.

  1. 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.
  2. Download the Citizens Mobile Banking App† and register for mobile banking.
  3. Select the "Financial Wellbeing" section in the app's menu and create a goal.

Discover more benefits of Citizens Savings Tracker®.†

Have more questions about Citizens Savings Accounts? Read all our Saving FAQs

© Citizens Financial Group, Inc. All rights reserved. Citizens Bank, N.A. Member FDIC

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

Citizens offers personal savings accounts in the following states: CT, DC, DE, FL, MD, MA, MI, NH, NJ, NY, OH, PA, RI, VT or VA

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