Citizens Access™ vs. Vio 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 | Vio BankOnline Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 3.15% | 4.09% |
Est. Earnings | $5,000+$158 $10,000+$315 $25,000+$788 | $5,000+$205 $10,000+$409 $25,000+$1,023 |
Min Deposit | $0.01 | $100 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App | FDIC InsuredLow MinimumsGreat iOS App |
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. Vio 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 Vio Bank's 4.09% APY for its Online Savings Account, with a minimum balance of $0.
Vio Bank pays $94 more than Citizens Access™ on a $10,000 balance after one year. Citizens Access™ pays $315, while Vio Bank pays $409 - an APY advantage for Vio Bank.
Why Citizens Access™?
- ✓Higher rated Android app (4.9 vs 3.4)
Why Vio Bank?
- ✓Higher potential APY (4.09% vs 3.15%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Vio BankVio Bank's Online Savings Account earns more on smaller deposits (approx. $409 vs $315/yr).
Better Returns at $25,000
Vio BankVio Bank's Online Savings Account pulls ahead with larger amounts (approx. $1023 vs $788/yr).
Best for Simplicity
Vio BankVio Bank's Online Savings Account offers 4.09% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
Citizens Access™Citizens Access™ offers an iOS app rated 4.8 (vs. 4.6) and Android app rated 4.9 (vs. 3.4)
Shared Benefits
Over a 1-year period, Vio Bank's Online Savings Account pays $94 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
Vio Bank's Online Savings Account offers a competitive APY of 4.09%, making it the higher-yielding option compared to Citizens Access™ Savings, which has an APY of 3.15%. Both accounts are online-only and do not require direct deposit, but Vio Bank requires a minimum deposit of $100 to open. Citizens Access™ has a lower minimum deposit of just $0.01 and charges no maintenance fees. Vio Bank's account is noted for better returns at various deposit levels, highlighting its appeal for savers looking for simplicity and higher earnings.
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. Vio Bank Savings Calculator
You earn $94 more with Vio 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
Vio Bank
Online Savings Account
Savings Breakdown
- Interest Earned+$409.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,409.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Citizens Access™ | Vio Bank |
|---|---|---|
| APY | 3.15% Verified: 1/6/2026 ↘︎ 0.35%90d Change | 4.09% Verified: 1/7/2026 - |
| Product Name | Citizens Access® Savings | Online Savings Account |
| Minimum Deposit | $0.01 | $100 |
| Min. Balance for APY | $0.01 | $0 |
| Monthly Fee | $0 | $0, if electronic statements selected, otherwise $5 |
| 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 | iOS4.6 Android3.4 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Next Steps | Visit SiteVerify at Citizens Access™ Non-sponsored link to official site | Visit SiteVerify at Vio Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Citizens Access™ | Vio Bank |
|---|---|---|
| Citizens Access® Savings | Online Savings Account | |
Current APY | 3.15% | 4.09% |
Trend | Stable | Stable |
Velocity (bps/mo) | -16.2 | -2.7 |
Days Since Change | 28 | 1 |
2-Month High | 3.35% | 4.21% |
2-Month Low | 3.15% | 4.09% |
Adjustments / Mo | 0.54 | 1.07 |
Volatility Score | 0.031 | 0.005 |
How to read these metrics(Click to expand)
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