Citizens Access™ vs. Jenius 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 | Jenius BankJenius Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.15% | 4.05% |
Est. Earnings | $5,000+$158 $10,000+$315 $25,000+$788 | $5,000+$203 $10,000+$405 $25,000+$1,013 |
Min Deposit | $0.01 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App | FDIC InsuredNo Minimums |
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. Jenius 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 Jenius Bank's 4.05% APY for its Jenius Savings account, with a minimum balance of $0.
Jenius Bank pays $90 more than Citizens Access™ on a $10,000 balance after one year. Citizens Access™ pays $315, while Jenius Bank pays $405 - an APY advantage for Jenius Bank.
Why Citizens Access™?
- ✓Higher rated iOS app (4.8 vs 4.0)
- ✓Higher rated Android app (4.9 vs 3.6)
Why Jenius Bank?
- ✓Higher potential APY (4.05% vs 3.15%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Jenius BankJenius Bank's Jenius Savings earns more on smaller deposits (approx. $405 vs $315/yr).
Better Returns at $25,000
Jenius BankJenius Bank's Jenius Savings pulls ahead with larger amounts (approx. $1013 vs $788/yr).
Best for Simplicity
Jenius BankJenius Bank's Jenius Savings offers 4.05% 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. 4.0) and Android app rated 4.9 (vs. 3.6)
Shared Benefits
Over a 1-year period, Jenius Bank's Jenius Savings pays $90 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
Jenius Bank offers a competitive Jenius Savings account with an APY of 4.05%, making it the standout choice for savers seeking higher returns. This account requires no minimum deposit or balance, and there are no maintenance fees, providing simplicity and accessibility. In contrast, Citizens Access™ features a Citizens Access® Savings account with a lower APY of 3.15%, also with no minimum deposit or balance requirements. Both accounts are online-only and do not require direct deposit. While Citizens Access™ is noted for its superior mobile app experience, Jenius Bank clearly leads in terms of interest rates.
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. Jenius Bank Savings Calculator
You earn $90 more with Jenius 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
Jenius Bank
Jenius Savings
Savings Breakdown
- Interest Earned+$405.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,405.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Citizens Access™ | Jenius Bank |
|---|---|---|
| APY | 3.15% Verified: 1/6/2026 ↘︎ 0.35%90d Change | 4.05% Verified: 1/7/2026 ↘︎ 0.15%90d Change |
| Product Name | Citizens Access® Savings | Jenius 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 | iOS4.0 Android3.6 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Citizens Access™ Non-sponsored link to official site | Visit SiteVerify at Jenius Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Citizens Access™ | Jenius Bank |
|---|---|---|
| Citizens Access® Savings | Jenius Savings | |
Current APY | 3.15% | 4.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.8 | -2.7 |
Days Since Change | 28 | 50 |
11-Month High | 3.70% | 4.50% |
11-Month Low | 3.15% | 4.05% |
Adjustments / Mo | 0.26 | 0.17 |
Volatility Score | 0.051 | 0.029 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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