Citizens Access™ vs. Openbank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Citizens Access™Citizens Access® Savings Jan 6, 2026 | OpenbankHigh-Yield Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 3.15% | 4.20% |
Est. Earnings | $5,000+$158 $10,000+$315 $25,000+$788 | $5,000+$210 $10,000+$420 $25,000+$1,050 |
Min Deposit | $0.01 | $500 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App | FDIC InsuredLow Minimums |
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Comparison Analysis
Comparing Citizens Access™ vs. Openbank
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 Openbank's 4.20% APY for its High-Yield Savings Account, with a minimum balance of $0.
Openbank pays $105 more than Citizens Access™ on a $10,000 balance after one year. Citizens Access™ pays $315, while Openbank pays $420 - an APY advantage for Openbank.
Why Citizens Access™?
- ✓Higher rated iOS app (4.8 vs 3.1)
- ✓Higher rated Android app (4.9 vs 2.9)
Why Openbank?
- ✓Higher potential APY (4.20% vs 3.15%) on all balances
— Key Feature Differences —
Better Returns at $10,000
OpenbankOpenbank's High-Yield Savings Account earns more on smaller deposits (approx. $420 vs $315/yr).
Better Returns at $25,000
OpenbankOpenbank's High-Yield Savings Account pulls ahead with larger amounts (approx. $1050 vs $788/yr).
Best for Simplicity
OpenbankOpenbank's High-Yield Savings Account offers 4.20% 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. 3.1) and Android app rated 4.9 (vs. 2.9)
Shared Benefits
Over a 1-year period, Openbank's High-Yield Savings Account pays $105 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
Openbank offers a High-Yield Savings Account with a competitive APY of 4.20%, making it the clear winner compared to Citizens Access™, which provides a savings account with an APY of 3.15%. Openbank's account has no direct deposit requirement and is designed for simplicity, appealing to a broad audience. In contrast, Citizens Access™ excels in mobile app experience, boasting high ratings for both its iOS and Android apps. Both accounts are online-only with no maintenance fees, but Openbank requires a minimum deposit of $500, while Citizens Access™ has a minimal requirement of just $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
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Citizens Access™ vs. Openbank Savings Calculator
You earn $105 more with Openbank 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
Openbank
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$420.00(4.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,420.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Citizens Access™ | Openbank |
|---|---|---|
| APY | 3.15% Verified: 1/6/2026 ↘︎ 0.35%90d Change | 4.20% Verified: 1/7/2026 Stable (90d) |
| Product Name | Citizens Access® Savings | High-Yield Savings Account |
| Minimum Deposit | $0.01 | $500 |
| 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 | iOS3.1 Android2.9 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | Not Rated |
| Next Steps | Visit SiteVerify at Citizens Access™ Non-sponsored link to official site | Visit SiteVerify at Openbank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Citizens Access™ | Openbank |
|---|---|---|
| Citizens Access® Savings | High-Yield Savings Account | |
Current APY | 3.15% | 4.20% |
Trend | Stable | Stable |
Velocity (bps/mo) | -5.4 | -2.9 |
Days Since Change | 28 | 169 |
10-Month High | 3.70% | 4.75% |
10-Month Low | 3.15% | 4.20% |
Adjustments / Mo | 0.29 | 0.29 |
Volatility Score | 0.052 | 0.026 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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