Citizens Access™ vs. Quontic Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Citizens Access™
Citizens Access® Savings
3.15%APYDec 12, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Citizens Access™
Citizens Access® Savings
Quontic Bank
High Yield Savings
3.75%APYDec 12, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Quontic Bank
High Yield 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.
Citizens Access™ vs. Quontic Bank Savings Calculator
You earn $60 more with Quontic 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
Quontic Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Citizens Access™ vs. Quontic Bank
Why Citizens Access™?
No distinct advantages found vs Quontic Bank.
Why Quontic Bank?
- ✓Higher potential APY (3.75% vs 3.15%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Quontic BankQuontic Bank's High Yield Savings earns more on smaller deposits (approx. $375 vs $315/yr).
Better Returns at $25,000
Quontic BankQuontic Bank's High Yield Savings pulls ahead with larger amounts (approx. $938 vs $788/yr).
Best for Simplicity
Quontic BankQuontic Bank's High Yield Savings offers 3.75% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Quontic Bank's High Yield Savings pays $60 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
Quontic Bank offers a High Yield Savings account with an APY of 3.75%, making it the winner in this comparison. This account has no maintenance fees and requires a minimum deposit of $100, with daily compounding. Citizens Access™ provides a Citizens Access® Savings account with a lower APY of 3.15%, also featuring no maintenance fees and a minimum deposit of just $0.01. Both accounts are online-only and do not require direct deposit. Quontic Bank's product is noted for providing better returns, especially at higher deposit amounts, while Citizens Access™ offers a more accessible entry point.
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 Quontic Bank.
| Feature | Citizens Access™ | Quontic Bank |
|---|---|---|
| APY | 3.15% Verified: 12/12/2025 ↘︎ 0.35%90d Change | 3.75% Verified: 12/12/2025 Stable (90d) |
| Product Name | Citizens Access® Savings | High Yield Savings |
| Minimum Deposit | $0.01 | $100 |
| 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 Android4.8 |
| BBB Rating | A+ | A+ |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Citizens Access™ | Quontic Bank |
|---|---|---|
| Citizens Access® Savings | High Yield Savings | |
Current APY | 3.15% | 3.75% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.0 | -1.4 |
Days Since Change | 2 | 168 |
10-Month High | 3.70% | 3.85% |
10-Month Low | 3.15% | 3.75% |
Adjustments / Mo | 0.28 | 0.09 |
Volatility Score | 0.040 | 0.013 |
How to read these metrics(Click to expand)
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