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    Savings Accounts


    Call 1-877-360-2472

    Whatever your goals are, we can help you find ways to live in the moment and still save for tomorrow. Ready to Plan. Ready to Save.


    Features and Benefits

    Branches
    and ATMs

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

    Automatic
    Transfers

    Set up so funds are automatically deposited into your savings account, learn how

    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

    Personalized Guidance

    Would you like more details from one of our bankers? Click here to schedule an appointment

    24/7
    Banking

    Bank anytime, anywhere with Online, and Mobile Banking*

    Choose Your Account

    Choosing the right account for you is simple with Citizens Bank.
    Check out our account offerings below. 

     

    One Deposit Savings from Citizens Bank™


    Open Your Account

    Citizens Bank Platinum Savings®


    Open Your Account

    Citizens Bank Platinum Plus Savings®


    Open Your Account

    CollegeSaver®


    To apply for this account, please call 1-877-360-2472 or visit a Branch

    Good if... You want a simple way to build your savings You want a savings account and have a Platinum Checking account You want a savings account and have a Platinum Plus Checking account You want to help save for a child's education and be rewarded for doing so
    Monthly Maintenance Fee
    $0.00 or $4.99
    Make at least one deposit of any amount each monthly maintenance fee period to waive the fee. Account will automatically receive a waiver on the first 4 monthly maintenance fees.1
    $0.00 with Platinum Checking $0.00 with Platinum Plus Checking $0.00
    Minimum Balance to Open Any Amount Any Amount Any Amount $25 if child is under age 6
    $500 if child is age 6-11
    Minimum Monthly Contributions N/A N/A N/A $25 if child is under age 6
    $50 if child is age 6-112
    Interest Rates
    Additional Benefits Savings Overdraft Transfer3 Savings Overdraft Transfer3 Savings Overdraft Transfer3 $1,000 bonus for college when you make the minimum monthly contribution1

    ×

    One Deposit Savings from Citizens Bank™

    Balance APY
    $0 - $999 #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 #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 #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 #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 #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 #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 #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 #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)#%

    ×

    Citizens Bank Platinum Savings®

    Balance APY
    $0 - $2,499 #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Platinum Savings|Code=RSAV-516-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(0.00)#%
    $2,500 - $9,999 #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Platinum Savings|Code=RSAV-516-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(2500.00)#%
    $10,000 - $24,999 #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Platinum Savings|Code=RSAV-516-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(10000.00)#%
    $25,000 - $49,999 #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Platinum Savings|Code=RSAV-516-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(25000.00)#%
    $50,000 - $74,999 #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Platinum Savings|Code=RSAV-516-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(50000.00)#%
    $75,000 - $249,999 #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Platinum Savings|Code=RSAV-516-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(75000.00)#%
    $250,000 - $999,999 #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Platinum Savings|Code=RSAV-516-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(250000.00)#%
    $1,000,000 - $2,999,999 #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Platinum Savings|Code=RSAV-516-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(1000000.00)#%
    $3,000,000+ #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Platinum Savings|Code=RSAV-516-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(3000000.00)#%

    ×

    Citizens Bank Platinum Plus Savings®

    Balance APY
    $0 - $2,499 #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Platinum Savings Plus|Code=RSAV-519-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(0.00)#%
    $2,500 - $9,999 #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Platinum Savings Plus|Code=RSAV-519-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(2500.00)#%
    $10,000 - $24,999 #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Platinum Savings Plus|Code=RSAV-519-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(10000.00)#%
    $25,000 - $49,999 #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Platinum Savings Plus|Code=RSAV-519-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(25000.00)#%
    $50,000 - $74,999 #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Platinum Savings Plus|Code=RSAV-519-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(50000.00)#%
    $75,000 - $249,999 #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Platinum Savings Plus|Code=RSAV-519-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(75000.00)#%
    $250,000 - $999,999 #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Platinum Savings Plus|Code=RSAV-519-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(250000.00)#%
    $1,000,000 - $2,999,999 #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Platinum Savings Plus|Code=RSAV-519-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(1000000.00)#%
    $3,000,000+ #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Platinum Savings Plus|Code=RSAV-519-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(3000000.00)#%

    ×

    CollegeSaver®

    Balance APY
    $0 - $999 #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Collegesaver Savings|Code=RSAV-680-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(0.00)#%
    $1,000 - $2,499 #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Collegesaver Savings|Code=RSAV-680-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(1000.00)#%
    $2,500 - $9,999 #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Collegesaver Savings|Code=RSAV-680-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(2500.00)#%
    $10,000 - $24,999 #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Collegesaver Savings|Code=RSAV-680-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(10000.00)#%
    $25,000 - $49,999 #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Collegesaver Savings|Code=RSAV-680-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(25000.00)#%
    $50,000 - $74,999 #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Collegesaver Savings|Code=RSAV-680-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(50000.00)#%
    $75,000 - $249,999 #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Collegesaver Savings|Code=RSAV-680-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(75000.00)#%
    $250,000 - $999,999 #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Collegesaver Savings|Code=RSAV-680-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(250000.00)#%
    $1,000,000+ #ProductLine=ODS|Brand=citizensbank|Product=Savings|ProductName=Collegesaver Savings|Code=RSAV-680-DF|ProductLevelCode=NOR|PromoExpiryDt=PExD|ProductAttribute=RatesTier|APY=LowTier(1000000.00)#%

    ×

    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.

       
    Good if... You want a simple way to build your savings
    Monthly Maintenance Fee $0.00 or $4.99. Make at least one deposit of any amount each monthly maintenance fee period to waive the fee. Account will automatically receive a waiver on the first 4 monthly maintenance fees.1
    Minimum Balance to open Any Amount
    Minimum Monthly Contributions N/A
    Interest Rates View Rates
    Additional Benefits Savings Overdraft Transfer2
       
    Good if... You want a savings account and have a Platinum Checking account
    Monthly Maintenance Fee $0.00 with Platinum Checking
    Minimum Balance to open Any Amount
    Minimum Monthly Contributions N/A
    Interest Rates View Rates
    Additional Benefits Savings Overdraft Transfer2
       
    Good if... You want a savings account and have a Platinum Plus Checking account
    Monthly Maintenance Fee $0.00 with Platinum Plus Checking
    Minimum Balance to open Any Amount
    Minimum Monthly Contributions N/A
    Interest Rates View Rates
    Additional Benefits Savings Overdraft Transfer3

    CollegeSaver®

    To apply for this account, please call 1-877-360-2472 or visit a Branch

       
    Good if... You want to help save for a child's education and be rewarded for doing so
    Monthly Maintenance Fee $0.00
    Minimum Balance to open $25 if child is under age 6
    $500 if child is age 6-11
    Minimum Monthly Contributions $25 if child is under age 6
    $50 if child is age 6-112
    Interest Rates View Rates
    Additional Benefits $1,000 bonus for college when you make the minimum monthly contribution1

    Citizens Checkup®

    Personal guidance on your account. We understand that it can be hard to know where to start when it comes to your finances. With a Citizens Checkup®, our bankers and advisors can help you focus on what’s important and map out a plan for your future.

    • Free for all Citizens customers
    • Bankers will assess and develop a customized approach to your needs
    • Help you start or modify your financial journey
    • Help you track for retirement and more
    • Appointments are available in branch or by phone

    Make An Appointment


    or call 1-877-360-2472

    Ready to open an account?
    Ready to open an account?
     

    Savings Account 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 Citizens Checkup®?

      A discussion with a Citizens Banker who will work with you to ensure you are made ready to address all of your financial priorities.

    • 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 Citizens Checkup®?

      A discussion with a Citizens Banker who will work with you to ensure you are made ready to address all of your financial priorities.

    Automated Transfers

    Check out our collection of simple tools that make it easy to save the way you want to.

    Learn More

    Savings Goal Calculator

    Do you know where your money goes? Use our calculator to see how much you could be saving each month.

    Learn More

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