Axos Bank vs. Citizens Access™
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Axos BankAxos ONE Jan 21, 2026 | Citizens Access™Citizens Access® Savings Jan 21, 2026 |
|---|---|---|
| APY | 4.31% | 3.15% |
Est. Earnings | $5,000+$216 $10,000+$431 $25,000+$1,078 | $5,000+$158 $10,000+$315 $25,000+$788 |
Min Deposit | $0 | $0.01 |
Snapshot view. Rates subject to change. | ||
Terms | The 4.31% 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 Bundle | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
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™
As of Axos Bank offers an APY of 4.31% for its Axos ONE 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.
Axos Bank pays $116 more than Citizens Access™ on a $10,000 balance after one year. Axos Bank pays $431, while Citizens Access™ pays $315 - an APY advantage for Axos Bank.
In addition, Axos Bank also offers 3.75% APY for the Summit Savings account, with a minimum balance of $0.
Why Axos Bank?
- ✓Earn 0.51% APY on checking account
- ✓Access to 95,000 fee-free ATMs
- ✓Higher potential APY (3.75%-4.31% vs 3.15%) on all balances
- ✓Offers 2 different high-yield savings options
Why Citizens Access™?
- ✓Higher rated Android app (4.9 vs 4.5)
— Key Feature Differences —
Better Returns at $10,000
Axos BankAxos Bank's Axos ONE earns more on smaller deposits (approx. $431 vs $315/yr).
Better Returns at $25,000
Axos BankAxos Bank's Axos ONE pulls ahead with larger amounts (approx. $1078 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 4.9 (vs. 4.5)
Shared Benefits
Over a 1-year period, Axos Bank's Axos ONE pays $116 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
Axos Bank offers a competitive savings option with its Axos ONE account, providing a high APY of 4.31% when bundled with a checking account, which itself earns 0.51% APY. This account does not require direct deposit, although it is the easiest way to achieve the highest rate. Alternatively, the Summit Savings account offers a solid APY of 3.75% without any bundling or direct deposit requirements. In contrast, Citizens Access™ provides a lower APY of 3.15% for its savings account, which is also straightforward with no maintenance fees or minimum balance requirements. Overall, Axos Bank's Axos ONE stands out as the superior option.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
* Secure link to our partner
Non-sponsored link to official site
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Axos Bank vs. Citizens Access™ Savings Calculator
You earn $116 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+$431.00(4.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,431.00
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 | Axos Bank | Citizens Access™ |
|---|---|---|
| APY | 4.31% Verified: 1/21/2026 ↘︎ 0.20%90d Change | 3.15% Verified: 1/21/2026 ↘︎ 0.35%90d Change |
| Product Name | Axos ONE | 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. | Not required, but is the easiest way to earn the highest APY. | None |
| Checking Bundle | Yes | No |
| Mobile Apps | iOS4.7 Android4.5 | iOS4.8 Android4.9 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | The 4.31% 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% | 4.31% | 0.61% | 3.15% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -3.8 | -4.6 | -0.0 | -5.0 |
Days Since Change | 41 | 50 | 357 | 42 |
12-Month High | 4.00% | 4.86% | 0.61% | 3.70% |
12-Month Low | 3.75% | 4.31% | 0.61% | 3.15% |
Adjustments / Mo | 0.08 | 0.34 | 0.00 | 0.25 |
Volatility Score | 0.027 | 0.038 | 0.000 | 0.055 |
How to read these metrics(Click to expand)
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