Citizens Access™ vs. Santander 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
Santander Bank
Santander Savings
0.01%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Santander Bank
Santander 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. Santander Bank
Why Citizens Access™?
- ✓Higher potential APY (3.35% vs 0.01%) on all balances
- ✓No checking account or direct deposit required
- ✓Higher rated Android app (4.8 vs 4.0)
Why Santander Bank?
- ✓Physical branch access (Primarily in the Northeast and Miami, Florida)
— Key Feature Differences —
Better Returns at $10,000
Citizens Access™Citizens Access™'s Citizens Access® Savings earns more on smaller deposits (approx. $335 vs $1/yr).
Better Returns at $25,000
Citizens Access™Citizens Access™'s Citizens Access® Savings pulls ahead with larger amounts (approx. $838 vs $3/yr).
Best for Simplicity
Citizens Access™Citizens Access™'s Citizens Access® Savings offers 3.35% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Citizens Access™'s Citizens Access® Savings pays $334 more interest on a $10,000 balance than Santander Bank's Santander Savings.
Executive Summary
Citizens Access™ offers a competitive savings option through its Citizens Access® Savings account, boasting a notable APY of 3.35%. This online-only account requires a minimum deposit of just $0.01 and has no maintenance fees or direct deposit requirements, making it a strong choice for savers. In contrast, Santander Bank's savings account yields a significantly lower APY of 0.01%, with a minimum deposit of $25 and a $1 maintenance fee. Given the substantial difference in APY, Citizens Access™ is clearly the superior option for those seeking higher returns on their savings.
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.
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See who beats both Citizens Access™ and Santander Bank.
| Feature | Citizens Access™ | Santander Bank |
|---|---|---|
| APY | 3.35% Verified: 12/5/2025 ↘︎ 0.15%90d Change | 0.01% Verified: 12/6/2025 ↘︎ 0.02%90d Change |
| Product Name | Citizens Access® Savings | Santander Savings |
| Minimum Deposit | $0.01 | $25 |
| Min. Balance for APY | $0.01 | $0 |
| Monthly Fee | $0 | $1 |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.8 Android4.8 | iOS4.8 Android4.0 |
| BBB Rating | A+ | Not Rated |
| Next Steps |
Savings Comparison
Citizens Access™ earns $2,013.1 more than Santander Bank.
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
Santander Bank
Santander Savings
Savings Breakdown
- Interest Earned+$5.70(0.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$18,005.70
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™ | Santander Bank |
|---|---|---|
| Citizens Access® Savings | Santander Savings | |
Current APY | 3.35% | 0.01% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.8 | -0.2 |
Days Since Change | 37 | 78 |
10-Month High | 3.70% | 0.03% |
10-Month Low | 3.35% | 0.01% |
Adjustments / Mo | 0.19 | 0.10 |
Volatility Score | 0.037 | 0.378 |
How to read these metrics(Click to expand)
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