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
  • Roth IRAs
  • Education
  • Minimum opening deposit requirements apply
  • No set-up, maintenance or annual fee
‡Withdrawals are limited by regulation. Continued excessive withdrawals may result in conversion of the account to a non-interest bearing account.
Maximum Daily NSF Charge for Consumer Accounts $175.00