Citizens Access vs. Vio Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Citizens Access™ vs. Vio Bank
Key Metrics at a Glance
| Feature | Citizens Access™ | Vio Bank |
|---|---|---|
| Top Savings APY | 3.35% Citizens Access® Savings | 4.21% Online Savings Account |
| Minimum to Open | $0.01 | $100 |
| Minimum Balance for Top APY | $0.01 | $0 |
Citizens Access™
Strengths
- Citizens Access™ has a higher App Store rating of 4.8.
- No maintenance fees for Citizens Access™ Savings account.
Potential Drawbacks
- Current APY for Citizens Access™ Savings is 3.35%, down from 3.50% last month.
- Citizens Access™ requires a minimum deposit of $0.01.
Vio Bank
Strengths
- Vio Bank offers a higher APY of 4.21% for its Online Savings Account.
- Vio Bank has no minimum balance requirement.
Potential Drawbacks
- Vio Bank has a lower App Store rating of 4.6 and a Google Play rating of 3.3.
- Vio Bank charges a $5 maintenance fee if electronic statements are not selected.
→ As of November 12, 2025 Citizens Access™ offers an APY of 3.35% for its Citizens Access® Savings account, with a minimum balance of $0.01, compared to Vio Bank's 4.21% APY for its Online Savings Account, with a minimum balance of $0.
→ Vio Bank yields $86 more than Citizens Access™ on a $10,000 balance after one year. Citizens Access™ pays $335, while Vio Bank pays $421 - an APY advantage for Vio Bank.
Calculate Savings Growth for Citizens Access™ vs Vio Bank
Citizens Access™ - Citizens Access® Savings
Total savings breakdown:
- Interest earned: $2,018.8 (10.08%)
- Total contributions: $13,000 (64.94%)
- Initial deposit: $5,000 (24.98%)
Your total balance
$20,018.80
Total balance: $20,018.8
Earnings: $2,018.8
Bank OverviewVio Bank - Online Savings Account
Total savings breakdown:
- Interest earned: $2,570.8 (12.50%)
- Total contributions: $13,000 (63.20%)
- Initial deposit: $5,000 (24.31%)
Your total balance
$20,570.80
Total balance: $20,570.8
Earnings: $2,570.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Citizens Access™'s total earnings would be $552 lower than Vio Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Citizens Access™'s vs Vio Bank's Savings Accounts
| Citizens Access™ | Vio Bank | ||
|---|---|---|---|
| Product | Citizens Access® Savings | vs | Online Savings Account |
| APY | 3.35% (as of 11/12/2025) | 4.21% (as of 11/12/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $0.01 | $100 | |
| Minimum Balance for APY | $0.01 | $0 | |
| Maintenance Fee | $0 | $0, if electronic statements selected, otherwise $5 | |
| Direct Deposit Required | No | No | |
| App Store Rating | 4.8/5 | 4.6/5 | |
| Google Play Rating | 4.8/5 | 3.3/5 | |
| BBB Rating | A+ | A+ |
No historical data available.