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Citizens Bank
Online Banking
Rates effective as of April 9, 2021.

Checking Accounts

Account Type Minimum Deposit to Open Minimum Balance to Earn APY Interest Rate APY*
Advantage Checking $50 N/A N/A N/A
Advantage Plus Checking $1,000 $1,000 0.01% 0.01%
Smart Start Checking $50 N/A N/A N/A
Cash Back Checking $50 $1,000 0.01% 0.01%

Classic Money Market Account

Rate Tier Minimum Deposit to Open Minimum Balance to Earn APY Interest Rate APY*
Tier 1 $1,000 $0.25 - $24,999.99 0.03% 0.03%
Tier 2 $1,000 $25,000 - $99,999.99 0.05% 0.05%
Tier 3 $1,000 $100,000 - $299,999.99 0.07% 0.07%
Tier 4 $1,000 
 $300,000 - $499,999.99 0.10% 0.10%
Tier 5 $1,000 
 $500,000 and over 0.12% 0.12%

High Yield Indexed Money Market Account

Rate Tier Minimum Deposit to Open Minimum Balance to Earn APY Interest Rate APY*
Tier 1 $25,000 $0.25 - $99,999.99 0.10% 0.10%
Tier 2 $25,000 $100,000 - $199,999.99 0.10% 0.10%
Tier 3 $25,000 $200,000 - $299,999.99 0.10% 0.10%
Tier 4 $25,000 
 $300,000 - $399,999.99 0.10% 0.10%
 Tier 5 $25,000 
 $400,000 and over 0.10% 0.10%

Savings Accounts

Account Type Minimum Deposit to Open Minimum Balance to Earn APY Interest Rate APY*
Advantage Savings Tier 1 $100 $0.25 - $4,999.99 0.02% 0.02%
Advantage Savings Tier 2
 $100 $5,000 and over 0.03% 0.03%
Ca$h Savings Club $10 $0.25 0.02%
 0.02%

Certificates of Deposit (CDs)

Account Type Minimum Balance Interest Rate APY*
Flexible Add-On (6-12 month terms) $250 0.05% 0.05%
1 Year
$1,000
0.10%
0.10%
2 Year
$1,000
0.15%
0.15%
3 Year
$1,000
0.25%
0.25%
4 Year
$1,000
0.30%
0.30%

Individual Retirement Account (IRA)

Account Type Minimum Deposit to Open
 Interest Rate 
 APY*
Fixed Rate 6 Month $100 0.05% 0.05%
Fixed Rate 1 Year
 $100 
 0.10% 0.10%
Fixed Rate 2 Year
 $100 
 0.15% 0.15%
Fixed Rate 3 Year
 $100 
 0.25%
 0.25%
Fixed Rate 4 Year
 $100 
 0.30% 0.30%

 

Health Savings Account (HSA)

Rate Tier Minimum Deposit to Open
 Minimum Balance to Earn APY
 Interest Rate 
 APY*
Tier 1 $100 $0.25 - $24,999.99 0.03% 0.03%
Tier 2
 $100 
 $25,000 - $99,999.99 0.05%
 0.05%
Tier 3
 $100 
 $100,000 - $299,999.99 0.07% 0.07%
Tier 4
 $100 
 $300,000 - $499,999.99 0.10% 0.10%
Tier 5
 $100 
 $500,000 and over 0.12% 0.12%
*APY = Annual Percentage Yield
Fees may reduce earnings.
 
Checking, Savings, Money Markets & HSAs:
  • Rates may change at any time
CDs & IRAs:
  • A penalty will be imposed for early withdrawal
  • Rates are subject to change at maturity