Citizens Access™ vs. FNBO Direct
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
FNBO Direct
High-Yield Online Savings Account
3.00%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
FNBO Direct
High-Yield 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. FNBO Direct
Why Citizens Access™?
- ✓Higher potential APY (3.35% vs 3.00%) on all balances
- ✓Higher rated iOS app (4.8 vs 4.5)
Why FNBO Direct?
No distinct advantages found vs Citizens Access™.
— Key Feature Differences —
Better Returns at $10,000
Citizens Access™Citizens Access™'s Citizens Access® Savings earns more on smaller deposits (approx. $335 vs $300/yr).
Better Returns at $25,000
Citizens Access™Citizens Access™'s Citizens Access® Savings pulls ahead with larger amounts (approx. $838 vs $750/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 Mobile App Experience
Citizens Access™Citizens Access™ offers an iOS app rated 4.8 (vs. 4.5) and Android app rated 4.8 (vs. 4.8)
Shared Benefits
Over a 1-year period, Citizens Access™'s Citizens Access® Savings pays $35 more interest on a $10,000 balance than FNBO Direct's High-Yield Online Savings Account.
Executive Summary
Citizens Access™ offers a competitive Citizens Access® Savings account with a high APY of 3.35%, making it the superior choice compared to FNBO Direct's High-Yield Online Savings Account, which has an APY of 3.00%. Both accounts have no maintenance fees and require minimal initial deposits ($0.01 for Citizens Access™ and $1 for FNBO Direct). Additionally, Citizens Access™ does not impose any direct deposit requirements, enhancing its appeal for simplicity. Both banks operate online only, providing easy access to their savings products.
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.
Stop Losing Interest
See who beats both Citizens Access™ and FNBO Direct.
| Feature | Citizens Access™ | FNBO Direct |
|---|---|---|
| APY | 3.35% Verified: 12/5/2025 ↘︎ 0.15%90d Change | 3.00% Verified: 12/6/2025 ↘︎ 0.25%90d Change |
| Product Name | Citizens Access® Savings | High-Yield Online Savings Account |
| Minimum Deposit | $0.01 | $1 |
| Min. Balance for APY | $0.01 | $0.01 |
| 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 | iOS4.5 Android4.8 |
| BBB Rating | A+ | A+ |
| Next Steps |
Savings Comparison
Citizens Access™ earns $220.6 more than FNBO Direct.
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
FNBO Direct
High-Yield Online Savings Account
Savings Breakdown
- Interest Earned+$1,798.20(9.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,798.20
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™ | FNBO Direct |
|---|---|---|
| Citizens Access® Savings | High-Yield Online Savings Account | |
Current APY | 3.35% | 3.00% |
Trend | Stable | Stable |
Velocity (bps/mo) | -5.0 | -8.3 |
Days Since Change | 37 | 64 |
4-Month High | 3.70% | 3.25% |
4-Month Low | 3.35% | 3.00% |
Adjustments / Mo | 0.44 | 0.22 |
Volatility Score | 0.024 | 0.040 |
How to read these metrics(Click to expand)
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