Citizens Access vs. Wealthfront
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Citizens Access™ vs. Wealthfront
Key Metrics at a Glance
| Feature | Citizens Access™ | Wealthfront |
|---|---|---|
| Top Savings APY | 3.35% Citizens Access® Savings | 4.15% Cash Account |
| Minimum to Open | $0.01 | $0 |
| Minimum Balance for Top APY | $0.01 | $0 |
| Note | 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 4.15% for 3 months, after which the 3.50% APY applies. See terms at Wealthfront. |
Citizens Access™
Strengths
- Citizens Access™ offers a solid APY of 3.35%, though it's down from 3.50% last month.
- Citizens Access™ has an A+ BBB rating, indicating strong trustworthiness.
- No maintenance fees on the Citizens Access® Savings account.
Potential Drawbacks
- Citizens Access™ has no branches, which may limit in-person support.
- The APY of 3.35% is lower than Wealthfront's introductory rate.
Wealthfront
Strengths
- Wealthfront offers an attractive introductory APY of 4.15% for new clients.
- Wealthfront has a higher Google Play rating of 4.9 compared to Citizens Access™.
Potential Drawbacks
- Wealthfront has an F BBB rating and is not BBB Accredited.
- After 3 months, Wealthfront's APY drops to 3.50%, which is less competitive.
→ 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 Wealthfront's 4.15% APY for its Cash Account, with a minimum balance of $0.
→ Wealthfront yields $80 more than Citizens Access™ on a $10,000 balance after one year. Citizens Access™ pays $335, while Wealthfront pays $415 - an APY advantage for Wealthfront.
Calculate Savings Growth for Citizens Access™ vs Wealthfront
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 OverviewWealthfront - Cash Account
Total savings breakdown:
- Interest earned: $2,531.8 (12.33%)
- Total contributions: $13,000 (63.32%)
- Initial deposit: $5,000 (24.35%)
Your total balance
$20,531.80
Total balance: $20,531.8
Earnings: $2,531.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Citizens Access™'s total earnings would be $513 lower than Wealthfront's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Citizens Access™'s vs Wealthfront's Savings Accounts
| Citizens Access™ | Wealthfront | ||
|---|---|---|---|
| Product | Citizens Access® Savings | vs | Cash Account |
| APY | 3.35% (as of 11/12/2025) | 3.50% - 4.15% (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 | $0 | |
| Minimum Balance for APY | $0.01 | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| Note | 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 4.15% for 3 months, after which the 3.50% APY applies. See terms at Wealthfront. | ||
| App Store Rating | 4.8/5 | 4.8/5 | |
| Google Play Rating | 4.8/5 | 4.9/5 | |
| BBB Rating | A+ | F |
No historical data available.