Save for the Future

Regular Savings

Everyone needs to save for a rainy day. This becomes easier with our Regular Savings Account. Simply deposit $25 to open your account, when your account balance reaches $200 there will be no monthly minimum balance fee. Balances under $200 will be assessed a $3 monthly minimum balance fee.  1 3 4

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Money Market Savings

Our Money Market Savings account is a great way to save while giving you the option to access your funds in person, by mail, through your current Visa® check card or by writing a check. It just takes $50 to open the account and as long as a $1000 balance is maintained, there will be no monthly service charge. A $6.00 per month service charge applies if balance falls below the minimum $1,000.1 2

Premium Rate Plus

This savings account is designed for our highest-balance customers.  Rates are tiered offering higher rates of return for higher balances.  For details about rates and service charge contact a Citizens Banker today. 1 2

Great Returns with

Certificate of Deposits

The idea behind a certificate of deposit (otherwise known as a CD) is fairly simple: in exchange for leaving your money untouched in the bank for a set period of time, you get a higher rate of return on your money. If you have the cash you know you won’t need access to for a while, it’s a great investment.

Our certificates are designed around you with a variety of terms and rates based on what works best for you. Most CDs require only $500 to open, however there is a substantial penalty for early withdrawal.

Contact Us to Open Account

Educate Early with

Junior Savings

It’s never too early to educate children on saving money. Our Junior Savers accounts are designed to teach children at a very early age the importance of building a strong financial background. Whether they are saving for a new bike —or college— Citizens Bank makes it easy to help achieve your financial goals.

Open your account with as little as $5 as an opening deposit.  There is also no monthly minimum balance fee to those aged 0-17. 1 3 4

Contact Us to Open Account

IRAs

Individual Retirement Account

Citizens Bank's Individual Retirement Accounts not only help you save for retirement, they help you keep your treasure close. We offer both traditional and Roth IRAs to help you achieve your financial goals.

Contact Us to Open Account

Tackle Healthcare & Savings

Health Savings Account

Today, Health Saving Accounts (or “HSAs”) are more popular than ever before—and with good reason. They’re designed to help people tackle the high costs of healthcare while saving for future medical expenses.

When you open an HSA with us, you get all the benefits of a traditional HSA—along with a team of people you can feel good about working with.

Our Health Savings Accounts allow your contributions to be fully tax deductible and your distributions for qualified medical expenses to be free from tax. 6 To qualify for an HSA, you must be covered under a qualified High Deductible Health Plan (HDHP) on the 1st day of the month the contribution is made.

Accounts can be opened without an opening deposit and include a debit card and the first 50 checks for free. There is no fee charge, annual fee or per check/debit fees! No minimum balance required. 1 5

Put Your Spare Change to Use

Round Up Savings

Does your spare change end up in a jar? Or some place worse—say, in your couch cushions?

Our RoundUp Savings program was designed for people like you. It puts your spare change to work. Every time you use your Citizens Bank debit card to make daily purchases like gas, groceries, or a soy latte, we automatically “round up” the purchase amount to the nearest dollar.

Then, we put your “spare change” in a savings account where it accumulates and actually bears interest for you. We’ll combine your monthly checking and savings transaction information into one, easy to read statement. You can even receive it electronically.

There are no service fees or minimum balance on RoundUp savings. To get started, visit your local Citizens Bank Branch Office or simply contact us today.


  1. Rate may change after account is opened.
  2. Transfers or withdrawals to another account or to a third party by means of a preauthorized or automatic transfer, telephone request, internet, check, draft, or debit card are limited to 6 per statement cycle.
  3. Transfers or withdrawals to another account or to a 3rd party by means of a preauthorized transfer, telephone request, internet check or draft are limited to 6 per calendar month. A fee of $2.00 will be charged for each additional debit transaction (withdrawal, ATM withdrawal, automatic transfer or payment) over the monthly limit. For Junior Savings, the account will automatically convert to a Regular Savings account when minor reaches age 18. All fees and guidelines for the Regular Savings account will apply.
  4. Accounts that remain at a zero balance for 30 days will be closed.
  5. Accounts that remain at a zero balance for 18 months will be closed.
  6. Contributions made to your HSA by you or someone other than your employer may be taken as a deduction. Account holder may not be a dependent or covered by another health plan that is not an HDHP, including Medicare. Consult tax adviser for additional information.
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  • With a Roth IRA, you typically pay taxes on the money before you contribute to your IRA. This means you generally can make qualifying withdraws once you reach 59 1/2 years of age without paying additional taxes on the distributions.

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