Citizens Access™ vs. Synchrony Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Citizens Access™Citizens Access® Savings Jan 20, 2026 | Synchrony BankHigh Yield Savings Jan 21, 2026 |
|---|---|---|
| APY | 3.15% | 3.65% |
Est. Earnings | $5,000+$158 $10,000+$315 $25,000+$788 | $5,000+$183 $10,000+$365 $25,000+$912 |
Min Deposit | $0.01 | $0 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing Citizens Access™ vs. Synchrony 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 Synchrony Bank's 3.65% APY for its High Yield Savings account, with a minimum balance of $0.
Synchrony Bank pays $50 more than Citizens Access™ on a $10,000 balance after one year. Citizens Access™ pays $315, while Synchrony Bank pays $365 - an APY advantage for Synchrony Bank.
Why Citizens Access™?
- ✓Higher rated Android app (4.9 vs 4.5)
Why Synchrony Bank?
- ✓Higher potential APY (3.65% vs 3.15%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Synchrony BankSynchrony Bank's High Yield Savings earns more on smaller deposits (approx. $365 vs $315/yr).
Better Returns at $25,000
Synchrony BankSynchrony Bank's High Yield Savings pulls ahead with larger amounts (approx. $912 vs $788/yr).
Best for Simplicity
Synchrony BankSynchrony Bank's High Yield Savings offers 3.65% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Synchrony Bank's High Yield Savings pays $50 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
Synchrony Bank offers a High Yield Savings account with a competitive APY of 3.65%, making it the superior choice compared to Citizens Access™, which provides an APY of 3.15% for its Citizens Access® Savings account. Both accounts require a minimum deposit of only $0.01 and have no maintenance fees, but Synchrony Bank's higher yield is particularly advantageous for larger deposits. Additionally, Synchrony Bank's account is noted for its simplicity, as it does not require bundling or direct deposit. Both banks operate online-only, catering to customers looking for digital banking solutions.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Citizens Access™ vs. Synchrony Bank Savings Calculator
You earn $50 more with Synchrony 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
Synchrony Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$365.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,365.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Citizens Access™ | Synchrony Bank |
|---|---|---|
| APY | 3.15% Verified: 1/20/2026 ↘︎ 0.35%90d Change | 3.65% Verified: 1/21/2026 ↘︎ 0.15%90d Change |
| Product Name | Citizens Access® Savings | High Yield Savings |
| Minimum Deposit | $0.01 | $0 |
| 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 Android4.5 |
| 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 Synchrony Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Citizens Access™ | Synchrony Bank |
|---|---|---|
| Citizens Access® Savings | High Yield Savings | |
Current APY | 3.15% | 3.65% |
Trend | Stable | Stable |
Velocity (bps/mo) | -5.0 | -3.5 |
Days Since Change | 42 | 64 |
12-Month High | 3.70% | 4.10% |
12-Month Low | 3.15% | 3.65% |
Adjustments / Mo | 0.25 | 0.25 |
Volatility Score | 0.055 | 0.035 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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