Citizens Access™ vs. Discover Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Citizens Access™Citizens Access® Savings Jan 21, 2026 | Discover BankOnline Savings Account Jan 16, 2026 |
|---|---|---|
| APY | 3.15% | 3.30% |
Est. Earnings | $5,000+$158 $10,000+$315 $25,000+$788 | $5,000+$165 $10,000+$330 $25,000+$825 |
Min Deposit | $0.01 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Discover Bank is part of Capital One and this account is not open to new customers. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® Supported |
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 Citizens Access™ vs. Discover Bank
As of Citizens Access™ offers an APY of 3.15% for its Citizens Access® Savings account, with a minimum balance of $0.01, compared to Discover Bank's 3.30% APY for its Online Savings Account, with a minimum balance of $0.
Discover Bank pays $15 more than Citizens Access™ on a $10,000 balance after one year. Citizens Access™ pays $315, while Discover Bank pays $330 - an APY advantage for Discover Bank.
Why Citizens Access™?
No distinct advantages found vs Discover Bank.
Why Discover Bank?
- ✓Higher potential APY (3.30% vs 3.15%) on all balances
- ✓Fast transfers via Zelle® (up to $600 a day)
— Key Feature Differences —
Better Returns at $10,000
Discover BankDiscover Bank's Online Savings Account earns more on smaller deposits (approx. $330 vs $315/yr).
Better Returns at $25,000
Discover BankDiscover Bank's Online Savings Account pulls ahead with larger amounts (approx. $825 vs $788/yr).
Shared Benefits
Over a 1-year period, Discover Bank's Online Savings Account pays $15 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
Comparing Citizens Access™ and Discover Bank, Discover Bank's Online Savings Account offers a higher APY of 3.30% compared to Citizens Access® Savings at 3.15%. Both accounts have no minimum deposit or balance requirements and do not charge maintenance fees, making them accessible options for savers. However, it is important to note that Discover Bank's account is currently not open to new customers, while Citizens Access remains available to all. Both accounts are online-only and compound interest daily, providing a straightforward saving experience.
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
Citizens Access™ vs. Discover Bank Savings Calculator
You earn $15 more with Discover 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.
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
Discover Bank
Online Savings Account
Savings Breakdown
- Interest Earned+$330.00(3.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,330.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Citizens Access™ | Discover Bank |
|---|---|---|
| APY | 3.15% Verified: 1/21/2026 ↘︎ 0.35%90d Change | 3.30% Verified: 1/16/2026 ↘︎ 0.10%90d Change |
| Product Name | Citizens Access® Savings | Online Savings Account |
| Minimum Deposit | $0.01 | $0 |
| Min. Balance for APY | $0.01 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.8 Android4.9 | iOS4.9 Android4.8 |
| Zelle® Support | Not Supported | Available Limit: $600/dayStrict 90-day seasoning period for new accounts. |
| BBB Rating | A+ | A+ |
| Important Notes | - | Discover Bank is part of Capital One and this account is not open to new customers. |
| Next Steps | Visit SiteVerify at Citizens Access™ Non-sponsored link to official site | Visit SiteVerify at Discover Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Citizens Access™ | Discover Bank |
|---|---|---|
| Citizens Access® Savings | Online Savings Account | |
Current APY | 3.15% | 3.30% |
Trend | Stable | Stable |
Velocity (bps/mo) | -5.0 | -3.5 |
Days Since Change | 42 | 13 |
12-Month High | 3.70% | 3.75% |
12-Month Low | 3.15% | 3.30% |
Adjustments / Mo | 0.25 | 0.42 |
Volatility Score | 0.055 | 0.036 |
How to read these metrics(Click to expand)
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