Citizens Access™ vs. Presidential Bank
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
Presidential Bank
Advantage Savings
Up to4.00%APYDec 6, 2025FDIC InsuredMod. MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppIn-Person AccessRange: 3.50% – 4.00%Show Fine Print & Trends Hide Details
Presidential Bank
Advantage Savings
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. Presidential Bank
Why Citizens Access™?
- ✓No checking account or direct deposit required
- ✓Higher rated Android app (4.8 vs 4.1)
Why Presidential Bank?
- ✓Higher potential APY (4.00% vs 3.35%) on all balances
- ✓Physical branch access (10 locations in Maryland, Virginia and Washington D.C.)
— Key Feature Differences —
Better Returns at $10,000
Presidential BankPresidential Bank's Advantage Savings earns more on smaller deposits (approx. $400 vs $335/yr).
Better Returns at $25,000
Presidential BankPresidential Bank's Advantage Savings pulls ahead with larger amounts (approx. $1000 vs $838/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 for All-in-One Banking
Presidential BankPresidential Bank's Advantage Savings pays a superior APY for customers who also open a checking account.
Shared Benefits
Over a 1-year period, Presidential Bank's Advantage Savings pays $65 more interest on a $10,000 balance than Citizens Access™'s Citizens Access® Savings.
Executive Summary
Presidential Bank's Advantage Savings leads with a 4.00% APY, requiring a monthly direct deposit of $500 into an Advantage Checking Account to earn this rate. This product is ideal for those looking for higher returns, especially with larger deposits, as it offers better rates compared to Citizens Access™'s Citizens Access® Savings, which provides a 3.35% APY without any direct deposit requirement or account bundling. Citizens Access is an online-only option with no minimum balance or maintenance fees, making it a simple alternative for savers.
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.
Top Market Contenders
See who beats both Citizens Access™ and Presidential Bank.
| Feature | Citizens Access™ | Presidential Bank |
|---|---|---|
| APY | 3.35% Verified: 12/5/2025 ↘︎ 0.15%90d Change | 4.00% Range: 3.50% - 4.00% Verified: 12/6/2025 ↘︎ 0.50%90d Change |
| Product Name | Citizens Access® Savings | Advantage Savings |
| Minimum Deposit | $0.01 | $5,000 |
| Min. Balance for APY | $0.01 | N/A |
| Monthly Fee | $0 | $0 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | RequiredTo earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500. |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.8 Android4.8 | iOS4.8 Android4.1 |
| BBB Rating | A+ | A- |
| Next Steps |
Savings Comparison
Presidential Bank earns $415.9 more than Citizens Access™.
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
Presidential Bank
Advantage Savings
Savings Breakdown
- Interest Earned+$2,434.70(11.9%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,434.70
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™ | Presidential Bank |
|---|---|---|
| Citizens Access® Savings | Advantage Savings | |
Current APY | 3.35% | 4.00% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.8 | -2.4 |
Days Since Change | 37 | 15 |
10-Month High | 3.70% | 4.50% |
10-Month Low | 3.35% | 4.00% |
Adjustments / Mo | 0.19 | 0.19 |
Volatility Score | 0.037 | 0.031 |
How to read these metrics(Click to expand)
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