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            Savings Accounts


            Call 1-877-360-2472

            We're here to help you save for what you need today as well as your future.


            Features and Benefits

            Branches
            and ATMs

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

            Automatic
            Transfers

            Automatically transfer funds from your checking account using Steady Save®

            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

            Overdraft
            Protection

            Use your savings account to enroll in Overdraft Protection

            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™

            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)#%

            ×

            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)#%

            ×

            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
            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 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.

            Automated Transfers

            Setup automatic transfers at an amount and frequency that fit your budget. Transfers available within Online Banking or Steady Save®.

            Learn More

            Savings Goal Calculator

            What will it take to reach your savings goal? Enter in your savings plan and view your financial results graphically.

            Learn More

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