Invest in your future with an interest-earning account at Citizens Bank.

From simple savings accounts to tax-advantaged IRAs, our deposit products are designed to help you meet your short- and long-term financial goals. With our online banking tools, you can watch your nest egg grow from anywhere, anytime. Our competitive interest rates keep your hard-earned money working hard for you, and our friendly team members are always ready to lend a hand.

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Citizens Bank makes it easy to set aside cash for major purchases or unexpected expenses. Our EZ Savings Account comes with several recurring transfer options that can help you reach your savings targets faster.

  • Minimum opening deposit — $100
  • Interest compounded quarterly and paid quarterly
  • $10 quarterly fee if balance falls below $100
  • Six withdrawals allowed per quarter; if withdrawals exceed six, $2 per withdrawal
  • Automatic Savings Options:
    • Recurring transfer that you can set up at account opening or anytime by stopping by an office near you
    • Payroll direct deposit – have a portion of your paycheck automatically deposited to savings
    • Recurring transfer that you control in Bank-By-Net online banking

Earn more when you save more. Citizens Bank’s personal money market accounts give you access to a competitive interest rate structure while still giving you 24/7 access to your funds.

  • Tiered Interest Rate Levels
  • No Monthly Fee when maintaining a $2,500 Minimum Daily Balance or when maintaining a $3,500 average daily collected balance (A service charge fee of $15.00 will be imposed each monthly statement cycle if the minimum daily balance falls below $2,500.00 and the average daily collected balance falls below $3,500.00.)
  • Six Withdrawals Allowed Per Month ($15 per withdrawal after six)

CDs give you the opportunity to keep your cash safe from loss of principal in an FDIC-insured deposit product while earning a higher interest rate. We offer flexible terms and low minimum deposits.

Check out our competitive rates here.

  • Individual and Spousal IRAs
  • Flexible terms
  • Traditional IRAs
  • Roth IRAs
  • Education
  • Minimum opening deposit requirements apply
  • No set-up, maintenance or annual fee

Access multimillion-dollar FDIC protection for your business’s hard-earned cash reserves.

Secure additional protection for funds placed in demand deposit accounts and money market deposit accounts through the IntraFi Network Deposits CD Option (formerly CDARS®) or the IntraFi Network Deposits DDA-MMA Option (formerly ICS®) – both offered at our bank.

Limits, terms, and conditions apply. Placement of funds through the IntraFi Network Deposits CD Option formerly CDARS® or IntraFi Network Deposits DDA-MMA formerly ICS® option is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits apply. In the IntraFi Network Deposits DDA-MMA option formerly ICS®, program withdrawals are limited to six per month. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the SMDIA (e.g., before IntraFi Network Deposits CD Option formerly CDARS® settlement for a deposit or after IntraFi Network Deposits CD Option formerly CDARS® settlement for a withdrawal). As stated in the DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement of its funds, the depositor is responsible for determining whether its use of IntraFi Network Deposits CD Option formally CDARS® satisfies those restrictions. 

Maximum Daily NSF Charge for Consumer Accounts $175.00