Citizens Access™ vs. Wealthfront
Comparing Citizens Access™ and Wealthfront for high-yield savings: Citizens Access™'s Citizens Access® Savings pays 3.15% APY while Wealthfront's Cash Account pays 3.95% APY (including a 3-month 0.65% promo boost).
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Wealthfront pays $31 more than Citizens Access™ annually ($346 vs $315).
Choose Citizens Access™ if you want a no-strings-attached account, you want to avoid a promo rate with a scheduled drop, or BBB rating matters to you. Choose Wealthfront if getting the best rate matters most.
Important Considerations
The key difference? Wealthfront's 3.95% rate includes a promotional bonus for the first 3 months, after which it reverts to the standard rate (currently 3.30%). Citizens Access™'s 3.15% rate has no scheduled drop, though all rates are subject to change.
| Metric | Citizens Access™Citizens Access® Savings Feb 20, 2026 | WealthfrontCash Account Feb 21, 2026 |
|---|---|---|
| APY | 3.15% | 3.30% - 3.95% |
Est. Earnings | $5,000+$158 $10,000+$315 $25,000+$788 | $5,000+$173 $10,000+$346 $25,000+$866 |
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 3.95% for 3 months, after which the 3.30% APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Citizens Access™ vs. Wealthfront
Executive Summary
Wealthfront offers a Cash Account with a competitive APY of 3.95%, significantly higher than Citizens Access™ Savings, which has an APY of 3.15%. Wealthfront's account is appealing for its simplicity, requiring no direct deposit and having no maintenance fees, making it suitable for both small and larger deposits. After three months, the APY for Wealthfront's account adjusts to 3.30%. Citizens Access™ Savings also has no minimum balance requirements and is an online-only product, but its lower yield makes it 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.
Why Citizens Access™?
No distinct advantages found vs Wealthfront.
Why Wealthfront?
- ✓Higher potential APY (3.95% vs 3.15%) on all balances
— Key Feature Differences —
Better Returns at $10,000
WealthfrontWealthfront's Cash Account earns more on smaller deposits (approx. $346 vs $315/yr).
Better Returns at $25,000
WealthfrontWealthfront's Cash Account pulls ahead with larger amounts (approx. $866 vs $788/yr).
Best for Simplicity
WealthfrontWealthfront's Cash Account offers 3.95% 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 $31 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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Citizens Access™ vs. Wealthfront Savings Calculator
You earn $32.5 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: 3.95% for 3 months, then 3.30%.
Savings Breakdown
- Interest Earned+$347.50(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,347.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $314 per year in interest.
Both Citizens Access™ and Wealthfront dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Citizens Access™ | Wealthfront |
|---|---|---|
| APY | 3.15% Verified: 2/20/2026 ↘︎ 0.20%90d Change | 3.95% Range: 3.30% - 3.95% Verified: 2/21/2026 ↘︎ 0.20%90d Change |
| Product Name | Citizens Access® Savings | Cash Account |
| Minimum Deposit | $0.01 | $0 |
| Min. Balance for APY | $0.01 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | N/A | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | Yes |
| 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 3.95% for 3 months, after which the 3.30% 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% | 3.95% |
Trend | Stable | Stable |
Velocity (bps/mo) | -7.0 | -8.6 |
Days Since Change | 72 | 21 |
3-Month High | 3.35% | 4.15% |
3-Month Low | 3.15% | 3.90% |
Adjustments / Mo | 0.30 | 0.61 |
Volatility Score | 0.027 | 0.028 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Citizens Access™'s APY of 3.15% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Citizens Access™ vs Ally Bank | 3.20% | $0 |
| Citizens Access™ vs American Express | 3.30% | $0 |
| Citizens Access™ vs Axos Bank | 4.21% | $0 |
| Citizens Access™ vs Bank of America | 0.01% | $100 |
| Citizens Access™ vs Barclays | 3.85% | $0 |
| Citizens Access™ vs Capital One | 3.30% | $0 |
| Citizens Access™ vs Chase Bank | 0.01% | $0 |
| Citizens Access™ vs Chime | 3.00% | $0 |
| Citizens Access™ vs CIT Bank | 3.75% | $100 |
| Citizens Access™ vs Citibank | 3.20% | $0 |
| Citizens Access™ vs Discover Bank | 3.30% | $0 |
| Citizens Access™ vs EverBank | 3.90% | $0 |
| Citizens Access™ vs Marcus by Goldman Sachs | 3.65% | $0 |
| Citizens Access™ vs Newtek Bank | 4.20% | $0.01 |
| Citizens Access™ vs Openbank | 4.09% | $500 |
| Citizens Access™ vs Pibank | 4.60% | $0 |
| Citizens Access™ vs SoFi Bank | 4.00% | $0 |
| Citizens Access™ vs Synchrony Bank | 3.50% | $0 |
| Citizens Access™ vs Varo Bank | 5.00% | $0 |
| Citizens Access™ vs Wells Fargo | 0.05% | $25 |