Citizens Access™ vs. Openbank
Comparing Citizens Access™ and Openbank for high-yield savings: Citizens Access™'s Citizens Access® Savings pays 3.15% APY while Openbank's High-Yield Savings Account pays 4.00% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Openbank pays $85 more than Citizens Access™ annually ($400 vs $315).
Choose Citizens Access™ if you're an Android user, or choose Openbank if getting the best rate matters most.
| Metric | Citizens Access™Citizens Access® Savings May 15, 2026 | OpenbankHigh-Yield Savings Account May 20, 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 | $500 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often | FDIC InsuredLow MinimumsGreat iOS AppRate Changes Often |
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
Executive Summary
Openbank offers a High-Yield Savings Account with a competitive APY of 4.00%, making it the winner in this comparison. This account has no maintenance fees and does not require direct deposit, providing flexibility for users. Citizens Access™ follows with a Citizens Access® Savings account that features a lower APY of 3.15% and also does not require direct deposit. While both banks provide online-only services, Openbank's higher yield makes it a more attractive option for savers looking to maximize their returns.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Citizens Access™?
- ✓Higher rated Android app (4.8 vs 3.2)
Why Openbank?
- ✓Higher potential APY (4.00% 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. $400 vs $315/yr).
Better Returns at $25,000
OpenbankOpenbank's High-Yield Savings Account pulls ahead with larger amounts (approx. $1000 vs $788/yr).
Best for Simplicity
OpenbankOpenbank's High-Yield Savings Account offers 4.00% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Citizens Access™Citizens Access™ offers an iOS app rated 4.9 (vs. 4.6) and Android app rated 4.8 (vs. 3.2)
Shared Benefits
Over a 1-year period, Openbank's High-Yield Savings Account 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.
Non-sponsored link to official site
Non-sponsored link to official site
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Citizens Access™ vs. Openbank Savings Calculator
You earn $85 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+$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.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $314 per year in interest.
Both Citizens Access™ and Openbank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Citizens Access™ | Openbank |
|---|---|---|
| APY | 3.15% Verified: 5/15/2026 Stable (90d) | 4.00% Verified: 5/20/2026 ↘︎ 0.09%90d Change |
| 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 |
| Compound Frequency | Daily | Monthly |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | N/A | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| 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% | 4.00% |
Trend | Stable | Stable |
Velocity (bps/mo) | -7.0 | -2.4 |
Days Since Change | 156 | 45 |
12-Month High | 3.70% | 4.40% |
12-Month Low | 3.15% | 4.00% |
Adjustments / Mo | 0.25 | 0.33 |
Volatility Score | 0.061 | 0.022 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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More Comparisons
Compare Citizens Access™'s APY of 3.15% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Citizens Access™ vs Ally Bank | 3.10% | $0 |
| Citizens Access™ vs American Express | 3.10% | $0 |
| Citizens Access™ vs Axos Bank | 4.21% | $0 |
| Citizens Access™ vs Barclays | 3.75% | $0 |
| Citizens Access™ vs Capital One | 3.10% | $0 |
| Citizens Access™ vs Chime | 3.00% | $0 |
| Citizens Access™ vs CIT Bank | 3.75% | $100 |
| Citizens Access™ vs Discover Bank | 3.30% | $0 |
| Citizens Access™ vs EverBank | 3.90% | $0 |
| Citizens Access™ vs Marcus by Goldman Sachs | 3.50% | $0 |
| Citizens Access™ vs Newtek Bank | 4.20% | $0.01 |
| Citizens Access™ vs Pibank | 4.40% | $0 |
| Citizens Access™ vs SoFi Bank | 4.00% | $0 |
| Citizens Access™ vs Synchrony Bank | 3.40% | $0 |
| Citizens Access™ vs Varo Bank | 5.00% | $0 |
| Citizens Access™ vs Wealthfront | 4.20% | $0 |