Ally Bank vs. Citizens Access™
Compare rates, requirements, and features side-by-side to find the best option for you.
Ally Bank
Savings Account
3.30%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Ally Bank
Savings Account
Citizens Access™
Citizens Access® Savings
3.35%APYDec 5, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Citizens Access™
Citizens Access® Savings
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
Comparison Analysis
Comparing Ally Bank vs. Citizens Access™
Why Ally Bank?
No distinct advantages found vs Citizens Access™.
Why Citizens Access™?
- ✓Higher rated Android app (4.8 vs 4.4)
— Key Feature Differences —
Best Mobile App Experience
Citizens Access™Citizens Access™ offers an iOS app rated 4.8 (vs. 4.7) and Android app rated 4.8 (vs. 4.4)
Shared Benefits
Over a 1-year period, Citizens Access™'s Citizens Access® Savings pays $5 more interest on a $10,000 balance than Ally Bank's Savings Account.
Executive Summary
Citizens Access™ offers a slightly higher APY of 3.35% on its Citizens Access® Savings account compared to Ally Bank's 3.30% on its Savings Account. Both accounts are online-only with no minimum deposit or maintenance fees, and neither requires direct deposit. While the difference in APY is minimal, Citizens Access™ is noted for providing a superior mobile app experience, with ratings of 4.8 for both iOS and Android, compared to Ally Bank's ratings of 4.7 and 4.4, respectively. For those seeking a competitive savings option, either bank provides strong choices.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
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See who beats both Ally Bank and Citizens Access™.
| Feature | Ally Bank | Citizens Access™ |
|---|---|---|
| APY | 3.30% Verified: 12/6/2025 ↘︎ 0.20%90d Change | 3.35% Verified: 12/5/2025 ↘︎ 0.15%90d Change |
| Product Name | Savings Account | Citizens Access® Savings |
| Minimum Deposit | $0 | $0.01 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.7 Android4.4 | iOS4.8 Android4.8 |
| BBB Rating | A+ | A+ |
| Next Steps |
Savings Comparison
Citizens Access™ earns $31.7 more than Ally Bank.
Ally Bank
Savings Account
Savings Breakdown
- Interest Earned+$1,987.10(9.9%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,987.10
Citizens Access™
Citizens Access® Savings
Savings Breakdown
- Interest Earned+$2,018.80(10.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,018.80
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Ally Bank | Citizens Access™ |
|---|---|---|
| Savings Account | Citizens Access® Savings | |
Current APY | 3.30% | 3.35% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.3 | -3.8 |
Days Since Change | 36 | 37 |
10-Month High | 3.80% | 3.70% |
10-Month Low | 3.30% | 3.35% |
Adjustments / Mo | 0.48 | 0.19 |
Volatility Score | 0.039 | 0.037 |
How to read these metrics(Click to expand)
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