Axos Bank vs. Citizens Access™
Comparing Axos Bank and Citizens Access™ for high-yield savings: Axos Bank's Axos ONE pays 4.21% APY while Citizens Access™'s Citizens Access® Savings pays 3.15% APY.
Note: Axos Bank requires a checking account.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Axos Bank pays $106 more than Citizens Access™ annually ($421 vs $315).
Choose Axos Bank if getting the best rate matters most. Choose Citizens Access™ if you want a no-strings-attached account.
Important Considerations
Axos Bank requires a checking account to unlock its top savings rate, while Citizens Access™ offers its savings account standalone.
| Metric | Axos BankAxos ONE Apr 21, 2026 | Citizens Access™Citizens Access® Savings Apr 6, 2026 |
|---|---|---|
| APY | 4.21% | 3.15% |
Est. Earnings | $5,000+$211 $10,000+$421 $25,000+$1,053 | $5,000+$158 $10,000+$315 $25,000+$788 |
Min Deposit | $0 | $0.01 |
Snapshot view. Rates subject to change. | ||
Terms | The 4.21% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppChecking BundleDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often |
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Comparison Analysis
Comparing Axos Bank vs. Citizens Access™
Executive Summary
Axos Bank offers a competitive savings option with its Axos ONE product, which provides a high APY of 4.21% when bundled with a checking account, making it the winner in this comparison. This account requires either a direct deposit of $1,500 or $5,000 in total monthly qualifying deposits to earn the highest rate. Alternatively, the Summit Savings account offers a straightforward 3.75% APY with no direct deposit requirement, ideal for those seeking simplicity. In contrast, Citizens Access™ provides a lower APY of 3.15% on its savings account, which is available with a minimal deposit and no maintenance fees. Both banks operate online only.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Axos Bank?
- ✓Earn 0.51% APY on checking account
- ✓Access to 95,000 fee-free ATMs
- ✓Higher potential APY (3.75%-4.21% vs 3.15%) on all balances
- ✓Offers 2 different high-yield savings options
Why Citizens Access™?
No distinct advantages found vs Axos Bank.
— Key Feature Differences —
Better Returns at $10,000
Axos BankAxos Bank's Axos ONE earns more on smaller deposits (approx. $421 vs $315/yr).
Better Returns at $25,000
Axos BankAxos Bank's Axos ONE pulls ahead with larger amounts (approx. $1053 vs $788/yr).
Best for Simplicity
Axos BankAxos Bank's Summit Savings offers 3.75% APY with no bundling, direct deposit requirement or caps.
Best for All-in-One Banking
Axos BankAxos Bank's Axos ONE pays a superior APY for customers who also open a checking account.
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. 4.7)
Shared Benefits
Over a 1-year period, Axos Bank's Axos ONE pays $106 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.
* Secure link to our partner
Non-sponsored link to official site
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Axos Bank vs. Citizens Access™ Savings Calculator
You earn $106 more with Axos 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.
Axos Bank
Axos ONE
Savings Breakdown
- Interest Earned+$421.00(4.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,421.00
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.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $314 per year in interest.
Both Axos Bank and Citizens Access™ dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Axos Bank | Citizens Access™ |
|---|---|---|
| APY | 4.21% Verified: 4/21/2026 ↘︎ 0.10%90d Change | 3.15% Verified: 4/6/2026 Stable (90d) |
| Product Name | Axos ONE | Citizens Access® Savings |
| Minimum Deposit | $0 | $0.01 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | N/A |
| Direct Deposit Req. | Not required, but is the easiest way to earn the highest APY. | None |
| Checking Bundle | Yes | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | The 4.21% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. | - |
| Next Steps | Visit SiteGo to Axos Bank * Secure link to our partner | Visit SiteVerify at Citizens Access™ Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Axos Bank | Citizens Access™ | ||
|---|---|---|---|---|
| Summit Savings | Axos ONE | High Yield Savings | Citizens Access® Savings | |
Current APY | 3.75% | 4.21% | 0.61% | 3.15% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -3.8 | -4.5 | 0.0 | -6.4 |
Days Since Change | 116 | 65 | 364 | 117 |
12-Month High | 4.00% | 4.66% | 0.61% | 3.70% |
12-Month Low | 3.75% | 4.21% | 0.61% | 3.15% |
Adjustments / Mo | 0.08 | 0.33 | 0.00 | 0.25 |
Volatility Score | 0.032 | 0.039 | 0.000 | 0.062 |
How to read these metrics(Click to expand)
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Compare Axos Bank's APY of 4.21% with other banks
Compare Citizens Access™'s APY of 3.15% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Citizens Access™ vs Ally Bank | 3.10% | $0 |
| Citizens Access™ vs American Express | 3.20% | $0 |
| Citizens Access™ vs Barclays | 3.75% | $0 |
| Citizens Access™ vs Capital One | 3.20% | $0 |
| Citizens Access™ vs Chime | 3.00% | $0 |
| Citizens Access™ vs CIT Bank | 3.75% | $100 |
| Citizens Access™ vs Discover Bank | 3.30% | $0 |
| Citizens Access™ vs EverBank | 3.90% | $0 |
| Citizens Access™ vs Marcus by Goldman Sachs | 3.50% | $0 |
| Citizens Access™ vs Newtek Bank | 4.20% | $0.01 |
| Citizens Access™ vs Openbank | 4.00% | $500 |
| Citizens Access™ vs Pibank | 4.40% | $0 |
| Citizens Access™ vs SoFi Bank | 4.00% | $0 |
| Citizens Access™ vs Synchrony Bank | 3.40% | $0 |
| Citizens Access™ vs Varo Bank | 5.00% | $0 |
| Citizens Access™ vs Wealthfront | 4.20% | $0 |