Ally Bank vs. Citizens Access™
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Ally BankSavings Account Jan 21, 2026 | Citizens Access™Citizens Access® Savings Jan 21, 2026 |
|---|---|---|
| APY | 3.30% | 3.15% |
Est. Earnings | $5,000+$165 $10,000+$330 $25,000+$825 | $5,000+$158 $10,000+$315 $25,000+$788 |
Min Deposit | $0 | $0.01 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing Ally Bank vs. Citizens Access™
As of Ally Bank offers an APY of 3.30% for its Savings Account, with a minimum balance of $0, compared to Citizens Access™'s 3.15% APY for its Citizens Access® Savings account, with a minimum balance of $0.01.
Ally Bank pays $15 more than Citizens Access™ on a $10,000 balance after one year. Ally Bank pays $330, while Citizens Access™ pays $315 - an APY advantage for Ally Bank.
Why Ally Bank?
- ✓Higher potential APY (3.30% vs 3.15%) on all balances
- ✓Fast transfers via Zelle® (up to $5,000 a day)
Why Citizens Access™?
- ✓Higher rated Android app (4.9 vs 4.4)
— Key Feature Differences —
Better Returns at $10,000
Ally BankAlly Bank's Savings Account earns more on smaller deposits (approx. $330 vs $315/yr).
Better Returns at $25,000
Ally BankAlly Bank's Savings Account pulls ahead with larger amounts (approx. $825 vs $788/yr).
Best Mobile App Experience
Citizens Access™Citizens Access™ offers an iOS app rated 4.8 (vs. 4.7) and Android app rated 4.9 (vs. 4.4)
Shared Benefits
Over a 1-year period, Ally Bank's Savings Account pays $15 more interest on a $10,000 balance than Citizens Access™'s Citizens Access® Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Ally Bank offers a competitive Savings Account with an APY of 3.30%, making it the highest-yielding option compared to Citizens Access™, which provides a slightly lower APY of 3.15%. Both accounts have no minimum deposit or balance requirements and no maintenance fees, making them accessible for all users. Ally Bank's account is noted for better returns at higher deposit amounts, while Citizens Access™ is recognized for its superior mobile app experience. Both banks operate online only, and neither requires direct deposit.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Ally Bank vs. Citizens Access™ Savings Calculator
You earn $15 more with Ally Bank than Citizens Access™ on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Ally Bank
Savings Account
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
Citizens Access™
Citizens Access® Savings
Savings Breakdown
- Interest Earned+$315.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,315.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Ally Bank | Citizens Access™ |
|---|---|---|
| APY | 3.30% Verified: 1/21/2026 ↘︎ 0.10%90d Change | 3.15% Verified: 1/21/2026 ↘︎ 0.35%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 Android4.9 |
| Zelle® Support | Available Limit: $5,000/dayBenchmark for online Zelle; high limits. | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Ally Bank Non-sponsored link to official site | Visit SiteVerify at Citizens Access™ Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Ally Bank | Citizens Access™ |
|---|---|---|
| Savings Account | Citizens Access® Savings | |
Current APY | 3.30% | 3.15% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.1 | -5.0 |
Days Since Change | 82 | 42 |
12-Month High | 3.80% | 3.70% |
12-Month Low | 3.30% | 3.15% |
Adjustments / Mo | 0.42 | 0.25 |
Volatility Score | 0.043 | 0.055 |
How to read these metrics(Click to expand)
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