Chase Bank vs. Citizens Access™
Comparing Chase Bank and Citizens Access™ for savings: Chase Bank's Chase Savings℠ pays 0.01% APY while Citizens Access™'s Citizens Access® Savings pays 3.15% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Citizens Access™ pays $314 more than Chase Bank annually ($315 vs $1).
Choose Chase Bank if you value in-person banking, or you want Zelle for quick transfers. Choose Citizens Access™ if getting the best rate matters most.
| Metric | Chase BankChase Savings℠ Mar 7, 2026 | Citizens Access™Citizens Access® Savings Mar 5, 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® SupportedStable Rate | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Chase Bank vs. Citizens Access™
Executive Summary
Citizens Access™ offers a significantly higher APY of 3.15% on its Citizens Access® Savings account, making it the clear winner over Chase Bank's Chase Savings℠, which yields only 0.01%. Citizens Access™'s product is online-only, requires a minimum deposit of just $0.01, and has no maintenance fees, while Chase has a $5 maintenance fee that can be waived under certain conditions. For those seeking a basic savings account, Chase provides an option but with minimal returns compared to Citizens Access™.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Chase Bank?
- ✓Physical branch access (Chase has more than 5,000 branches in nearly all of the United States, but not in Alaska and Hawaii.)
- ✓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.
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: 3/7/2026 Stable (90d) | 3.15% Verified: 3/5/2026 ↘︎ 0.20%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 |
| Compound Frequency | Monthly | Daily |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Physical Branches | Chase has more than 5,000 branches in nearly all of the United States, but not in Alaska and Hawaii. | N/A |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| 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 | -5.8 |
Days Since Change | 365 | 85 |
12-Month High | 0.01% | 3.70% |
12-Month Low | 0.01% | 3.15% |
Adjustments / Mo | 0.00 | 0.25 |
Volatility Score | 0.000 | 0.062 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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More Comparisons
Compare Chase Bank's APY of 0.01% 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 | 3.20% | $0 |
| Citizens Access™ vs American Express | 3.30% | $0 |
| Citizens Access™ vs Axos Bank | 4.21% | $0 |
| Citizens Access™ vs Bank of America | 0.01% | $100 |
| Citizens Access™ vs Barclays | 3.85% | $0 |
| Citizens Access™ vs Capital One | 3.30% | $0 |
| Citizens Access™ vs Chime | 3.00% | $0 |
| Citizens Access™ vs CIT Bank | 3.75% | $100 |
| Citizens Access™ vs Citibank | 3.20% | $0 |
| Citizens Access™ vs Discover Bank | 3.30% | $0 |
| Citizens Access™ vs EverBank | 3.90% | $0 |
| Citizens Access™ vs Marcus by Goldman Sachs | 3.65% | $0 |
| Citizens Access™ vs Newtek Bank | 4.20% | $0.01 |
| Citizens Access™ vs Openbank | 4.09% | $500 |
| Citizens Access™ vs Pibank | 4.60% | $0 |
| Citizens Access™ vs SoFi Bank | 4.00% | $0 |
| Citizens Access™ vs Synchrony Bank | 3.50% | $0 |
| Citizens Access™ vs Varo Bank | 5.00% | $0 |
| Citizens Access™ vs Wealthfront | 4.20% | $0 |
| Citizens Access™ vs Wells Fargo | 0.05% | $25 |