Axos Bank vs. Citizens Access™
Compare rates, requirements, and features side-by-side to find the best option for you.
Axos Bank
Axos ONE
4.31%APYDec 6, 2025FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Axos Bank
Axos ONE
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
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™
Why Axos Bank?
- ✓Earn 0.51% APY on checking account
- ✓Access to 95,000 fee-free ATMs
- ✓Higher potential APY (4.00%-4.31% vs 3.35%) 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. $431 vs $335/yr).
Better Returns at $25,000
Axos BankAxos Bank's Axos ONE pulls ahead with larger amounts (approx. $1077 vs $838/yr).
Best for Simplicity
Axos BankAxos Bank's Summit Savings offers 4.00% 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. 4.6)
Shared Benefits
Over a 1-year period, Axos Bank's Axos ONE pays $96 more interest on a $10,000 balance than Citizens Access™'s Citizens Access® Savings.
Executive Summary
Axos Bank offers a competitive savings product, the Axos ONE, with an APY of 4.31%, which is significantly higher than Citizens Access™'s 3.35% APY for their Citizens Access® Savings account. The Axos ONE requires a checking account and allows customers to earn the highest APY by setting up direct deposit or maintaining a certain balance, while the Summit Savings account provides a simpler option at 4.00% APY without such requirements. In contrast, Citizens Access™ emphasizes a strong mobile app experience but does not match Axos Bank's higher rates.
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.
Top Market Contenders
See who beats both Axos Bank and Citizens Access™.
| Feature | Axos Bank | Citizens Access™ |
|---|---|---|
| APY | 4.31% Verified: 12/6/2025 ↘︎ 0.15%90d Change | 3.35% Verified: 12/5/2025 ↘︎ 0.15%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. | None | None |
| Checking Bundle | Yes | No |
| Mobile Apps | iOS4.7 Android4.6 | iOS4.8 Android4.8 |
| 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 | SponsoredOpen Account |
Savings Comparison
Axos Bank earns $617.1 more than Citizens Access™.
Axos Bank
Axos ONE
Savings Breakdown
- Interest Earned+$2,635.90(12.8%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,635.90
Sponsored Link
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 | Axos Bank | Citizens Access™ | ||
|---|---|---|---|---|
| High Yield Savings | Summit Savings | Axos ONE | Citizens Access® Savings | |
Current APY | 0.61% | 4.00% | 4.31% | 3.35% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -0.0 | 0.0 | -4.2 | -3.8 |
Days Since Change | 312 | 159 | 4 | 37 |
10-Month High | 0.61% | 4.00% | 4.86% | 3.70% |
10-Month Low | 0.61% | 4.00% | 4.31% | 3.35% |
Adjustments / Mo | 0.00 | 0.00 | 0.38 | 0.19 |
Volatility Score | 0.000 | 0.000 | 0.032 | 0.037 |
How to read these metrics(Click to expand)
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