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IRA Savings

Available as either a Traditional or a Roth IRA, our IRA Savings helps you save for retirement by making regular contributions that match your budget. Both IRA accounts are FDIC-insured and at Citizens, there's no bank penalty for early withdrawal.1

Securing your future is even easier with Citizens Bank Steady Save®, which ensures that you stay on track to enjoy the kind of retirement you deserve.2 This service automatically transfers funds from your checking account to your IRA account so you can save without thinking about it. Simply determine the amount of your transfer and how often you want us to make it happen and we’ll do the rest.



  • Minimum balance to openAny Amount

  • Monthly maintenance fee $4.99

    Monthly maintenance fee waived if you keep a minimum daily balance of $200. Account will automatically receive a fee waiver on the first 4 monthly maintenance fees.

Questions? Ask a Citizen.
Questions? Ask a Citizen.

IRA Savings Features & Benefits

  • Ready to apply?

    Here's what you need to get started:

    • Work with Citizens Bank to create a customized retirement plan
      With products to help you start saving as well as increase funds during retirement, Citizens Bank has what you need to plan for the future. Choosing the right IRA plan will depend on your current situation. For more information, visit a Citizens Bank branch or call
      1-800-948-7200. You may also want to consult a tax advisor for information on deductions for your IRA contributions to the Savings Account and CDs.

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If you've already established retirement savings through an Individual Retirement Account, you may be ready to roll your contributions into an IRA CD, that will grow your funds with a fixed rate guarantee of return throughout your retirement.

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Monthly maintenance fee

Minimum balance to open

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