Citizens Access™ vs. Openbank
Citizens Access™'s Citizens Access® Savings pays 2.80% APY while Openbank's High-Yield Savings Account pays 3.80% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Openbank pays $100 more than Citizens Access™ annually ($380 vs $280).
Choose Citizens Access™ if mobile app quality matters, or choose Openbank if getting the best rate matters most.
| Metric | Citizens Access™Citizens Access® Savings Aug 19, 2026 | OpenbankHigh-Yield Savings Account Aug 19, 2026 |
|---|---|---|
| APY | 2.80% | 3.80% |
Est. Earnings | $5,000+$140 $10,000+$280 $25,000+$700 | $5,000+$190 $10,000+$380 $25,000+$950 |
Min Deposit | $0.01 | $500 |
Snapshot view. Rates subject to change. | ||
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often | FDIC InsuredLow MinimumsStable Rate |
Market Reality Check
Both of these institutions offer rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.01% APY.
Comparison Analysis
Comparing Citizens Access™ vs. Openbank
Executive Summary
A detailed summary for this comparison is being prepared. Check back soon.
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™?
- ✓Higher rated iOS app (4.8 vs 3.1)
- ✓Higher rated Android app (4.9 vs 2.8)
Why Openbank?
- ✓Higher potential APY (3.80% vs 2.80%) on all balances
- ✓No checking account or direct deposit required
Key Feature Differences
Better Returns at $10,000
OpenbankOpenbank's High-Yield Savings Account earns more on smaller deposits (approx. $380 vs $280/yr).
Better Returns at $25,000
OpenbankOpenbank's High-Yield Savings Account pulls ahead with larger amounts (approx. $950 vs $700/yr).
Best for Simplicity
OpenbankOpenbank's High-Yield Savings Account offers 3.80% 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. 3.1) and Android app rated 4.9 (vs. 2.8)
Shared Benefits
Over a 1-year period, Openbank's High-Yield Savings Account pays $100 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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Citizens Access™ vs. Openbank Savings Calculator
You earn $100 more with Openbank 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+$280.00(2.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,280.00
Openbank
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$380.00(3.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,380.00
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 $279 per year in interest.
Both Citizens Access™ and Openbank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Citizens Access™ | Openbank |
|---|---|---|
| APY | 2.80% Verified: 8/19/2026 ↘︎ 0.20%90d Change | 3.80% Verified: 8/19/2026 - |
| Product Name | Citizens Access® Savings | High-Yield Savings Account |
| Minimum Deposit | $0.01 | $500 |
| Min. Balance for APY | $0.01 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Monthly |
| In-Branch Access | No | No |
| Account Type | Online Only | Online Only |
| Physical Branches | N/A | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | Not Rated |
| Next Steps | Visit SiteVerify at Citizens Access™ Non-sponsored link to official site | Visit SiteVerify at Openbank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Citizens Access™ | Openbank |
|---|---|---|
| Citizens Access® Savings | High-Yield Savings Account | |
Current APY | 2.80% | 3.80% |
Trend | Stable | Stable |
Velocity (bps/mo) | -7.8 | -1.8 |
Days Since Change | 18 | 77 |
12-Month High | 3.50% | 4.20% |
12-Month Low | 2.80% | 3.80% |
Adjustments / Mo | 0.33 | 0.25 |
Volatility Score | 0.049 | 0.012 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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More Comparisons
Compare Citizens Access™'s APY of 2.80% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Citizens Access™ vs Ally Bank | 3.00% | $0 |
| Citizens Access™ vs American Express | 3.00% | $0 |
| Citizens Access™ vs Axos Bank | 4.21% | $0 |
| Citizens Access™ vs Barclays | 3.65% | $0 |
| Citizens Access™ vs Capital One | 3.50% | $0 |
| Citizens Access™ vs Chime | 3.75% | $0 |
| Citizens Access™ vs CIT Bank | 3.75% | $100 |
| Citizens Access™ vs EverBank | 3.90% | $0 |
| Citizens Access™ vs Marcus by Goldman Sachs | 3.40% | $0 |
| Citizens Access™ vs Newtek Bank | 4.20% | $100 |
| Citizens Access™ vs Pibank | 4.10% | $0 |
| Citizens Access™ vs SoFi Bank | 3.80% | $0 |
| Citizens Access™ vs Synchrony Bank | 3.30% | $0 |
| Citizens Access™ vs Varo Bank | 3.75% | $0 |
| Citizens Access™ vs Wealthfront | 3.95% | $0 |