Chase Bank vs. Citizens Access™
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Chase BankChase Savings℠ Jan 21, 2026 | Citizens Access™Citizens Access® Savings Jan 21, 2026 |
|---|---|---|
| APY | 0.01% | 3.15% |
Est. Earnings | $5,000+$1 $10,000+$1 $25,000+$3 | $5,000+$158 $10,000+$315 $25,000+$788 |
Min Deposit | $0 | $0.01 |
Snapshot view. Rates subject to change. | ||
Terms | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. | - |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® 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 Chase Bank vs. Citizens Access™
As of Chase Bank offers an APY of 0.01% for its Chase 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.
Citizens Access™ pays $314 more than Chase Bank on a $10,000 balance after one year. Chase Bank pays $1, while Citizens Access™ pays $315 - an APY advantage for Citizens Access™.
Why Chase Bank?
- ✓Fast transfers via Zelle® (up to $2,000 a day)
Why Citizens Access™?
- ✓Higher potential APY (3.15% vs 0.01%) on all balances
- ✓No checking account or direct deposit required
— Key Feature Differences —
Better Returns at $10,000
Citizens Access™Citizens Access™'s Citizens Access® Savings earns more on smaller deposits (approx. $315 vs $1/yr).
Better Returns at $25,000
Citizens Access™Citizens Access™'s Citizens Access® Savings pulls ahead with larger amounts (approx. $788 vs $3/yr).
Best for Simplicity
Citizens Access™Citizens Access™'s Citizens Access® Savings offers 3.15% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Citizens Access™'s Citizens Access® Savings pays $314 more interest on a $10,000 balance than Chase Bank's Chase Savings℠.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Citizens Access™ offers a significantly higher APY of 3.15% on its Citizens Access® Savings account, making it the clear winner compared to Chase Bank's Chase Savings℠, which yields only 0.01%. Citizens Access® Savings is an online-only product with no maintenance fees and no minimum deposit requirement, providing a straightforward option for savers. In contrast, Chase Savings℠ has a $5 maintenance fee that can be waived under certain conditions, such as maintaining a daily balance of at least $300. Overall, for those seeking better returns without complex requirements, Citizens Access™ stands out.
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
Chase Bank vs. Citizens Access™ Savings Calculator
You earn $314 more with Citizens Access™ than Chase Bank 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.
Chase Bank
Chase Savings℠
Savings Breakdown
- Interest Earned+$1.00(0.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,001.00
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 | Chase Bank | Citizens Access™ |
|---|---|---|
| APY | 0.01% Verified: 1/21/2026 Stable (90d) | 3.15% Verified: 1/21/2026 ↘︎ 0.35%90d Change |
| Product Name | Chase Savings℠ | Citizens Access® Savings |
| Minimum Deposit | $0 | $0.01 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $5 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.8 Android4.7 | iOS4.8 Android4.9 |
| Zelle® Support | Available Limit: $2,000/dayBranded as Chase QuickPay; dynamic limits up to $10k. | Not Supported |
| BBB Rating | A- | A+ |
| Important Notes | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. | - |
| Next Steps | Visit SiteVerify at Chase 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 | Chase Bank | Citizens Access™ |
|---|---|---|
| Chase Savings℠ | Citizens Access® Savings | |
Current APY | 0.01% | 3.15% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -5.1 |
Days Since Change | 357 | 42 |
12-Month High | 0.01% | 3.70% |
12-Month Low | 0.01% | 3.15% |
Adjustments / Mo | 0.00 | 0.25 |
Volatility Score | 0.000 | 0.055 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Chase Bank vs...
Comparing against Standard Savings
Compare Citizens Access™ vs...
Comparing against Standard Savings
High Rates (With Checking Bundle)
Looking for something different? Check out these top-rated alternatives.