Citizens Access™ vs. Forbright Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Citizens Access™Citizens Access® Savings Jan 6, 2026 | Forbright BankGrowth Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.15% | 4.00% |
Est. Earnings | $5,000+$158 $10,000+$315 $25,000+$788 | $5,000+$200 $10,000+$400 $25,000+$1,000 |
Min Deposit | $0.01 | $0 |
Snapshot view. Rates subject to change. | ||
| 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 4.21% APY.
Comparison Analysis
Comparing Citizens Access™ vs. Forbright 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 Forbright Bank's 4.00% APY for its Growth Savings account, with a minimum balance of $0.
Forbright Bank pays $85 more than Citizens Access™ on a $10,000 balance after one year. Citizens Access™ pays $315, while Forbright Bank pays $400 - an APY advantage for Forbright Bank.
In addition, Forbright Bank also offers 3.65% APY for the Bright Savings account, with a minimum balance of $250,000.
Why Citizens Access™?
- ✓Higher rated Android app (4.9 vs 4.5)
Why Forbright Bank?
- ✓Higher potential APY (3.65%-4.00% vs 3.15%) on all balances
- ✓Physical branch access (Locations in the Washington D.C. area (Maryland and Virginia))
- ✓Offers 3 different high-yield savings options
- ✓Fast transfers via Zelle®
— Key Feature Differences —
Better Returns at $10,000
Forbright BankForbright Bank's Growth Savings earns more on smaller deposits (approx. $400 vs $315/yr).
Better Returns at $25,000
Forbright BankForbright Bank's Growth Savings pulls ahead with larger amounts (approx. $1000 vs $788/yr).
Best for Simplicity
Forbright BankForbright Bank's Growth Savings offers 4.00% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Forbright Bank's Growth Savings pays $85 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
Forbright Bank offers a competitive Growth Savings account with an APY of 4.00%, making it the standout option compared to Citizens Access™, which provides a Citizens Access® Savings account with an APY of 3.15%. Both accounts have no minimum balance requirements and do not charge maintenance fees, but Forbright's account is more advantageous for savers looking for higher returns. Additionally, Forbright Bank's Growth Savings account is online-only and does not require direct deposit, enhancing its accessibility. In contrast, Citizens Access™ is also online-only and has a very low minimum deposit of $0.01.
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. Forbright Bank Savings Calculator
You earn $85 more with Forbright 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
Forbright Bank
Growth Savings
Savings Breakdown
- Interest Earned+$400.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,400.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Citizens Access™ | Forbright Bank |
|---|---|---|
| APY | 3.15% Verified: 1/6/2026 ↘︎ 0.35%90d Change | 4.00% Verified: 1/7/2026 Stable (90d) |
| Product Name | Citizens Access® Savings | Growth Savings |
| 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 | iOS4.8 Android4.5 |
| Zelle® Support | Not Supported | Available Branch accounts only; Growth Savings online does NOT support. |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Citizens Access™ Non-sponsored link to official site | Visit SiteVerify at Forbright Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Citizens Access™ | Forbright Bank | ||
|---|---|---|---|---|
| Citizens Access® Savings | Sprout Savings | Bright Savings | Growth Savings | |
Current APY | 3.15% | 3.65% | 3.65% | 4.00% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -4.8 | -3.3 | -3.3 | -2.7 |
Days Since Change | 28 | 98 | 98 | 90 |
11-Month High | 3.70% | 3.90% | 3.90% | 4.25% |
11-Month Low | 3.15% | 3.65% | 3.65% | 4.00% |
Adjustments / Mo | 0.26 | 0.09 | 0.09 | 0.09 |
Volatility Score | 0.051 | 0.032 | 0.032 | 0.028 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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