Citizens Access™ vs. Discover Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
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
Discover Bank
Online Savings Account
3.40%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Discover Bank
Online Savings Account
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.
Comparison Analysis
Comparing Citizens Access™ vs. Discover Bank
Why Citizens Access™?
No distinct advantages found vs Discover Bank.
Why Discover Bank?
No distinct advantages found vs Citizens Access™.
Shared Benefits
Over a 1-year period, Discover Bank's Online Savings Account pays $5 more interest on a $10,000 balance than Citizens Access™'s Citizens Access® Savings.
Executive Summary
Citizens Access™ offers a competitive savings product with an APY of 3.35% for their Citizens Access® Savings account, which is online-only and requires a minimum deposit of just $0.01. In comparison, Discover Bank's Online Savings Account provides a slightly lower APY of 3.40%, also with no minimum deposit requirements and an online-only format. Both accounts have no maintenance fees and compound interest daily. While Citizens Access has a marginally higher APY, the rates are nearly identical, making both options appealing for savers.
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.
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See who beats both Citizens Access™ and Discover Bank.
| Feature | Citizens Access™ | Discover Bank |
|---|---|---|
| APY | 3.35% Verified: 12/5/2025 ↘︎ 0.15%90d Change | 3.40% Verified: 12/6/2025 ↘︎ 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 Android4.8 | iOS4.9 Android4.8 |
| BBB Rating | A+ | A+ |
| Next Steps |
Savings Comparison
Discover Bank earns $31.7 more than Citizens Access™.
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
Discover Bank
Online Savings Account
Savings Breakdown
- Interest Earned+$2,050.50(10.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,050.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Citizens Access™ | Discover Bank |
|---|---|---|
| Citizens Access® Savings | Online Savings Account | |
Current APY | 3.35% | 3.40% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.8 | -3.8 |
Days Since Change | 37 | 67 |
10-Month High | 3.70% | 3.75% |
10-Month Low | 3.35% | 3.40% |
Adjustments / Mo | 0.19 | 0.38 |
Volatility Score | 0.037 | 0.034 |
How to read these metrics(Click to expand)
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