Citizens Access™ vs. Quontic 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 | Quontic BankHigh Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.15% | 3.50% |
Est. Earnings | $5,000+$158 $10,000+$315 $25,000+$788 | $5,000+$175 $10,000+$350 $25,000+$875 |
Min Deposit | $0.01 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App | FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® Supported |
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. Quontic 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 Quontic Bank's 3.50% APY for its High Yield Savings account, with a minimum balance of $0.
Quontic Bank pays $35 more than Citizens Access™ on a $10,000 balance after one year. Citizens Access™ pays $315, while Quontic Bank pays $350 - an APY advantage for Quontic Bank.
Why Citizens Access™?
No distinct advantages found vs Quontic Bank.
Why Quontic Bank?
- ✓Higher potential APY (3.50% vs 3.15%) on all balances
- ✓Fast transfers via Zelle® (up to $1,000 a day)
— Key Feature Differences —
Better Returns at $10,000
Quontic BankQuontic Bank's High Yield Savings earns more on smaller deposits (approx. $350 vs $315/yr).
Better Returns at $25,000
Quontic BankQuontic Bank's High Yield Savings pulls ahead with larger amounts (approx. $875 vs $788/yr).
Best for Simplicity
Quontic BankQuontic Bank's High Yield Savings offers 3.50% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Quontic Bank's High Yield Savings pays $35 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
Quontic Bank offers a competitive High Yield Savings account with an APY of 3.50%, making it the superior choice compared to Citizens Access™, which provides a lower APY of 3.15% on its savings account. Both accounts are online-only and have no maintenance fees, but Quontic requires a minimum deposit of $100, while Citizens Access™ has a minimal requirement of just $0.01. Notably, Quontic's account is highlighted for its simplicity, as it does not impose direct deposit requirements or caps on earnings, making it an attractive option for savers.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Top Market Contenders
Citizens Access™ vs. Quontic Bank Savings Calculator
You earn $35 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+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Citizens Access™ | Quontic Bank |
|---|---|---|
| APY | 3.15% Verified: 1/6/2026 ↘︎ 0.35%90d Change | 3.50% Verified: 1/7/2026 ↘︎ 0.25%90d Change |
| 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 Android4.9 |
| Zelle® Support | Not Supported | Available Limit: $1,000/dayDigital-first bank with full native support. |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Citizens Access™ Non-sponsored link to official site | Visit SiteGo to Quontic Bank * Secure link to our partner |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Citizens Access™ | Quontic Bank |
|---|---|---|
| Citizens Access® Savings | High Yield Savings | |
Current APY | 3.15% | 3.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.8 | -1.6 |
Days Since Change | 28 | 8 |
11-Month High | 3.70% | 3.85% |
11-Month Low | 3.15% | 3.50% |
Adjustments / Mo | 0.26 | 0.17 |
Volatility Score | 0.051 | 0.019 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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