Citizens Access™ vs. Wealthfront
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Citizens Access™Citizens Access® Savings Jan 6, 2026 | WealthfrontCash Account Jan 7, 2026 |
|---|---|---|
| APY | 3.15% | 3.25% - 3.90% |
Est. Earnings | $5,000+$158 $10,000+$315 $25,000+$788 | $5,000+$171 $10,000+$341 $25,000+$853 |
Min Deposit | $0.01 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 3.90% for 3 months, after which the 3.25% APY applies. See terms at Wealthfront. |
| 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 4.21% APY.
Comparison Analysis
Comparing Citizens Access™ vs. Wealthfront
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 Wealthfront's 3.90% APY for its Cash Account, with a minimum balance of $0.
Wealthfront pays $26 more than Citizens Access™ on a $10,000 balance after one year. Citizens Access™ pays $315, while Wealthfront pays $341 (with an effective APY of 3.41%) - an APY advantage for Wealthfront.
Why Citizens Access™?
No distinct advantages found vs Wealthfront.
Why Wealthfront?
- ✓Higher potential APY (3.90% vs 3.15%) on all balances
— Key Feature Differences —
Better Returns at $10,000
WealthfrontWealthfront's Cash Account earns more on smaller deposits (approx. $341 vs $315/yr).
Better Returns at $25,000
WealthfrontWealthfront's Cash Account pulls ahead with larger amounts (approx. $853 vs $788/yr).
Best for Simplicity
WealthfrontWealthfront's Cash Account offers 3.90% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period (factoring in a 3-month promo), Wealthfront's Cash Account pays $26 more interest on a $10,000 balance than Citizens Access™'s Citizens Access® Savings.
*Wealthfront's calculation includes their 3-month introductory promotional rate and subsequent standard rate.
Executive Summary as of
Wealthfront offers a Cash Account with a competitive APY of 3.90%, which is higher than Citizens Access™ Savings at 3.15%. Wealthfront's account is online-only and does not require direct deposit, making it a straightforward option for savers. Additionally, new clients can enjoy the promotional rate of 3.90% for the first three months, after which the APY adjusts to 3.25%. Citizens Access™ also provides an online-only savings account with a minimum deposit of just $0.01 and no maintenance fees, but its lower APY positions it as a secondary option. Both accounts are FDIC-insured.
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. Wealthfront Savings Calculator
You earn $27.5 more with Wealthfront 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
Wealthfront
Cash Account
Promo Rate: 3.90% for 3 months, then 3.25%.
Savings Breakdown
- Interest Earned+$342.50(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,342.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Citizens Access™ | Wealthfront |
|---|---|---|
| APY | 3.15% Verified: 1/6/2026 ↘︎ 0.35%90d Change | 3.90% Range: 3.25% - 3.90% Verified: 1/7/2026 - |
| Product Name | Citizens Access® Savings | Cash Account |
| 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 Android4.9 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | F |
| Important Notes | - | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 3.90% for 3 months, after which the 3.25% APY applies. See terms at Wealthfront. |
| Next Steps | Visit SiteVerify at Citizens Access™ Non-sponsored link to official site | Visit SiteVerify at Wealthfront Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Citizens Access™ | Wealthfront |
|---|---|---|
| Citizens Access® Savings | Cash Account | |
Current APY | 3.15% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | -16.5 | -18.8 |
Days Since Change | 28 | 19 |
2-Month High | 3.35% | 4.15% |
2-Month Low | 3.15% | 3.90% |
Adjustments / Mo | 0.55 | 0.55 |
Volatility Score | 0.031 | 0.030 |
How to read these metrics(Click to expand)
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