High-Yield Savings Account Comparison

Chime vs. Citizens Access™

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 6, 2025
Advertising Disclosure: We may earn a commission from partner links.

Chime

Chime High-Yield Savings Account

Up to
3.50%
APY
Dec 6, 2025
FDIC InsuredDirect Deposit ReqChecking BundleNo MinimumsGreat iOS AppGreat Android App
Range: 1.00% – 3.50%
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositRequired (You need to receive a qualifying direct deposit of $200 or more within the preceding 34 days)
Deposit InsuranceFDIC Insured
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.7
BBB Rating
A+(BBB Accredited)

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
Read Bank Overview

Citizens Access™

Citizens Access® Savings

3.35%
APY
Dec 5, 2025
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$0.01
Min. Balance$0.01
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57957)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.8
BBB Rating
A+(BBB Accredited)

Rate Stability

Rate Adjusted
-0.15%
Since 90 days ago
Read Bank Overview

Market Reality Check

Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.

See Top Rates

Comparison Analysis

Comparing Chime vs. Citizens Access™

Updated: Dec 6, 2025

Why Chime?

  • ✓Higher potential APY (3.50% vs 3.35%) on all balances

Why Citizens Access™?

  • ✓No checking account or direct deposit required

— Key Feature Differences —

Better Returns at $10,000
Chime

Chime's Chime High-Yield Savings Account earns more on smaller deposits (approx. $350 vs $335/yr).

Better Returns at $25,000
Chime

Chime's Chime High-Yield Savings Account pulls ahead with larger amounts (approx. $875 vs $838/yr).

Best for Simplicity
Citizens Access™

Citizens Access™'s Citizens Access® Savings offers 3.35% APY with no bundling, direct deposit requirement or caps.

Best for All-in-One Banking
Chime

Chime's Chime High-Yield Savings Account pays a superior APY for customers who also open a checking account.

Shared Benefits

Both offer monthly maintenance-free account options Available Nationwide Available to New & Existing Customers
The Bottom Line

Over a 1-year period, Chime's Chime High-Yield Savings Account pays $15 more interest on a $10,000 balance than Citizens Access™'s Citizens Access® Savings.

Citizens Access™Chime
Automated Data Audit

Executive Summary

Chime offers a competitive Chime High-Yield Savings Account with an APY of 3.50%, which is higher than Citizens Access™'s Citizens Access® Savings account, which earns 3.35%. Chime's account requires a qualifying direct deposit of $200 or more within the preceding 34 days, while Citizens Access™ does not have such a requirement, making it simpler for customers. Both accounts are online-only and have no maintenance fees, with a minimum deposit and balance of $0.01. For those looking to maximize their returns, Chime's account is the better option, especially for customers who also open a checking account.

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.

ExploreChimeExploreCitizens Access™

Stop Losing Interest

See who beats both Chime and Citizens Access™.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+1.10% vs Chime
Better Rate
Pibank vs ChimePibank vs Citizens Access™
Neighbors Bank
Neighbors Savings Account
FDIC InsuredNo MinimumsGreat Android App
4.50% APY
+1.00% vs Chime
Better Rate
Neighbors Bank vs ChimeNeighbors Bank vs Citizens Access™
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.81% vs Chime
Better Rate
Axos Bank vs ChimeAxos Bank vs Citizens Access™
FeatureChimeCitizens Access™
APY
3.50%
Range: 1.00% - 3.50%
Verified: 12/6/2025
↘︎ 0.25%90d Change
3.35%
Verified: 12/5/2025
↘︎ 0.15%90d Change
Product NameChime High-Yield Savings AccountCitizens Access® Savings
Minimum Deposit$0$0.01
Min. Balance for APY$0.01$0.01
Monthly Fee$0$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.
RequiredYou need to receive a qualifying direct deposit of $200 or more within the preceding 34 days
None
Checking Bundle YesNo
Mobile Apps
iOS4.8
Android4.7
iOS4.8
Android4.8
BBB RatingA+A+
Next Steps
- View Details
- View Details

Savings Comparison

Calculations based on current APY.
$
$

Chime earns $95.3 more than Citizens Access™.

Chime

Chime High-Yield Savings Account

3.50% APY

Savings Breakdown

  • Interest Earned
    +$2,114.10(10.5%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,114.10

Effective APY
3.50%
View Details

Citizens Access™

Citizens Access® Savings

3.35% APY

Savings Breakdown

  • Interest Earned
    +$2,018.80(10.1%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,018.80

Effective APY
3.35%
View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

📈 Compare Savings Rates Over Time

Historical Performance

Last 10 Months Analysis
MetricChimeCitizens Access™
Chime High-Yield Savings AccountCitizens Access® Savings
Current APY
3.50%3.35%
Trend
 Stable Stable
Velocity (bps/mo)
12.3-3.9
Days Since Change
5137
10-Month High
3.75%3.70%
10-Month Low
2.00%3.35%
Adjustments / Mo
0.190.19
Volatility Score
0.1930.037
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 310-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Compare Similar Alternatives

Compare Chime vs...

Comparing against other Bundled Accounts

vs Chime
Axos BankChecking Bundle
4.31%
APY
vs Chime
SoFi BankChecking Bundle
4.30%
APY
vs Chime
Presidential BankChecking Bundle
4.00%
APY

Compare Citizens Access™ vs...

Comparing against Standard Savings

vs Citizens Access™
PibankNo Bundle Req
4.60%
APY
vs Citizens Access™
Neighbors BankNo Bundle Req
4.50%
APY
vs Citizens Access™
TIMBRNo Bundle Req
4.40%
APY

More Comparisons

Compare Chime's APY of 3.50% with other banks
Bank PairCompetitor APYMin Deposit
Chime vs Ally Bank3.30%$0
Chime vs American Express3.40%$0
Chime vs Axos Bank4.31%$0
Chime vs Bank of America0.01%$100
Chime vs Barclays4.00%$0
Chime vs Bask Bank3.90%$0
Chime vs BMO Alto3.25%$0
Chime vs BrioDirect4.00%$5,000
Chime vs Capital One3.40%$0
Chime vs Chase Bank0.01%$0
Chime vs CIT Bank3.75%$100
Chime vs Citibank3.30%$0
Chime vs Climate First Bank4.21%$50
Chime vs Discover Bank3.40%$0
Chime vs Elevault4.08%$0
Chime vs EverBank4.05%$0
Chime vs Fitness Bank4.75%$100
Chime vs FNBO Direct3.00%$1
Chime vs Forbright Bank4.00%$0
Chime vs FVCbank3.85%$500
Chime vs GO2bank4.50%$0
Chime vs Ivy Bank4.25%$2,500
Chime vs LendingClub4.20%$0
Chime vs Marcus by Goldman Sachs3.65%$0
Chime vs Neighbors Bank4.50%$0
Chime vs Newtek Bank4.35%$0.01
Chime vs Openbank4.20%$500
Chime vs Peak Bank4.20%$100
Chime vs Pibank4.60%$0
Chime vs PNC3.53%$0
Chime vs Presidential Bank4.00%$5,000
Chime vs Quontic Bank3.75%$100
Chime vs Salem Five Direct3.71%$10
Chime vs Santander Bank0.01%$25
Chime vs SoFi Bank4.30%$0
Chime vs Synchrony Bank3.65%$0
Chime vs TIMBR4.40%$1,000
Chime vs UFB Direct3.71%$5000
Chime vs Valley Direct4.10%$1,000
Chime vs Varo Bank5.00%$0
Chime vs Vio Bank4.16%$100
Chime vs Wealthfront4.15%$0
Chime vs Wells Fargo0.05%$25
Chime vs Zynlo Bank4.05%$10
Compare Citizens Access™'s APY of 3.35% with other banks
Bank PairCompetitor APYMin Deposit
Citizens Access™ vs Ally Bank3.30%$0
Citizens Access™ vs American Express3.40%$0
Citizens Access™ vs Axos Bank4.31%$0
Citizens Access™ vs Bank of America0.01%$100
Citizens Access™ vs Barclays4.00%$0
Citizens Access™ vs Bask Bank3.90%$0
Citizens Access™ vs BMO Alto3.25%$0
Citizens Access™ vs BrioDirect4.00%$5,000
Citizens Access™ vs Capital One3.40%$0
Citizens Access™ vs Chase Bank0.01%$0
Citizens Access™ vs CIT Bank3.75%$100
Citizens Access™ vs Citibank3.30%$0
Citizens Access™ vs Climate First Bank4.21%$50
Citizens Access™ vs Discover Bank3.40%$0
Citizens Access™ vs Elevault4.08%$0
Citizens Access™ vs EverBank4.05%$0
Citizens Access™ vs Fitness Bank4.75%$100
Citizens Access™ vs FNBO Direct3.00%$1
Citizens Access™ vs Forbright Bank4.00%$0
Citizens Access™ vs FVCbank3.85%$500
Citizens Access™ vs GO2bank4.50%$0
Citizens Access™ vs Ivy Bank4.25%$2,500
Citizens Access™ vs LendingClub4.20%$0
Citizens Access™ vs Marcus by Goldman Sachs3.65%$0
Citizens Access™ vs Neighbors Bank4.50%$0
Citizens Access™ vs Newtek Bank4.35%$0.01
Citizens Access™ vs Openbank4.20%$500
Citizens Access™ vs Peak Bank4.20%$100
Citizens Access™ vs Pibank4.60%$0
Citizens Access™ vs PNC3.53%$0
Citizens Access™ vs Presidential Bank4.00%$5,000
Citizens Access™ vs Quontic Bank3.75%$100
Citizens Access™ vs Salem Five Direct3.71%$10
Citizens Access™ vs Santander Bank0.01%$25
Citizens Access™ vs SoFi Bank4.30%$0
Citizens Access™ vs Synchrony Bank3.65%$0
Citizens Access™ vs TIMBR4.40%$1,000
Citizens Access™ vs UFB Direct3.71%$5000
Citizens Access™ vs Valley Direct4.10%$1,000
Citizens Access™ vs Varo Bank5.00%$0
Citizens Access™ vs Vio Bank4.16%$100
Citizens Access™ vs Wealthfront4.15%$0
Citizens Access™ vs Wells Fargo0.05%$25
Citizens Access™ vs Zynlo Bank4.05%$10