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Different goals mean different ways to save.

Throughout your life, you’ll save money for many reasons. Sometimes the goal is short-term, while other times, you’re looking years down the road. Tell us what you’re dreaming of, and we’ll help find a way to get you there.
When you're ready to open an account, start your account now or request an appointment to speak with a Personal Banker.

Advantage Savings Account

Sometimes, simple is good. With only $100 needed to open and a $100 minimum balance1, this no-frills account is a great way to start saving. Free ATM Card available for cash withdrawals.2

Ca$h Savings Club Account

Get kids on the path to financial success with this fun savings account! $10 is all it takes to open an account and join this special club, with perks including a paw coin bank and rewards for making deposits!

Classic Money Market Account

Make no sacrifices. With our Classic Money Market Account, your higher balance earns a higher rate of interest while you maintain full access to your money, with free checks and withdrawals. $1,000 needed to open and $1,000 minimum balance.3

Health Savings Account (HSA)

Be ready for medical expenses with this tax-advantaged account that works in conjunction with your high-deductible health plan. Enjoy free checks and debit card access. $100 needed to open.

Certificates of Deposit (CDs)

Maximize your interest earnings when you lock in a rate for 6 months to 5 years. Our Flexible Add-On CD is a great option for those who are starting small but want to add money in over time.4

Individual Retirement Accounts (IRAs)

Start prepping for retirement by opening an IRA CD with as little as $100. Select a Traditional IRA or a Roth IRA, then pick a term between 6 months and 4 years. Make additional deposits at any time up to the annual limit set by the IRS.5

Keeping you and your money connected.

Digital Banking

A digital tool box to manage your account. With our Mobile App and Online Banking, you can make deposits or payments, sign up for account alerts, view documents, and more. Use the Personal Budgeting Tool to track expenses by category and set saving or spending targets.

ATM Withdrawals

Sometimes, nothing but cash will do. Enjoy free withdrawals at any Citizens Bank ATM, plus access to over 800 surcharge free ATMs in the ATM Access network.*

1. Must maintain a $100 daily balance to avoid $1 maintenance fee per statement cycle.
2. Withdrawals at ATMs not owned by Citizens Bank will be assessed a $2 fee per transaction. Additional fees may be imposed by other ATM owners.
3. Must maintain a $1,000 daily balance to avoid $10 maintenance fee per statement cycle.
4. Minimum amount to open dependent on term. Subject to penalties for early withdrawal. Amount of penalty dependent on term. Ask for details.
5. Penalties apply for withdrawals made before age 59½ if the CD has not reached maturity. The IRS defines eligibility, contribution, and distribution rules. Please consult your tax advisor for details.