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.

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.

Annual Percentage Yield (APY) expresses an annual rate of return taking into account the effect of interest compounding.

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.