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Personal Savings Accounts

Prepare For What’s Next With the Right Savings Account

Whether you’re building an emergency fund, saving for a major purchase, or planning for long-term goals, Citizens Bank is here to help you choose the savings solution that fits your needs. We offer personal savings accounts designed to help individuals and families save with purpose while maintaining convenient access to their money.

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Compare Personal Savings Accounts

Account Type

Opening Deposit
$200
$10,000
Minimum Balance Fee
$10 if average daily balance falls below $100
$15 if average daily balance falls below $10,000
Withdrawal Limitation
None
Six Per Statement Cycle
Excessive Transaction Fee
None
$15
Statement Cycle
Quarterly
Monthly
Statements
Free e-statements or paper statements for a $3 monthly fee
Free e-statements or paper statements for a $3 monthly fee
Interest Bearing
Yes*
Yes*
Additional Features
No fee online banking and mobile deposit**
No fee online banking and mobile deposit**

*Variable Interest Rate: The interest rate will be a variable rate of interest which is set by Citizens Bank from time to time at its sole discretion and which will change without notice to the depositor. The interest rate may be obtained by calling your local branch.

**Mobile Deposit: This service requires approval.

A fee of $10 will be assessed if an account is closed within the first 30 days.

Consumer Rates and Additional Information

Limits and Fees Disclosure

Get More From Your Savings Account

Citizens Bank savings accounts come with convenient tools and services designed to help you stay connected to your finances and manage your money confidently.

Use features like:

  • Mobile and online banking
  • eStatements
  • Text banking
  • Account alerts
  • Automatic transfers
  • Secure digital banking tools
  • Direct account access
  • And more

Whether you’re tracking progress toward a goal or managing everyday finances, Citizens Bank makes it easier to stay in control of your savings.

Contact us to get started

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Banking That Moves With You

Manage your savings wherever life takes you with the Citizens Bank mobile app. Mobile banking gives you secure, convenient access to your accounts on the go.

With mobile banking, you can:

  • Monitor account balances
  • Transfer funds between accounts
  • Review account activity
  • Deposit checks remotely
  • Access account information securely
  • Receive alerts and notifications
  • Manage your finances on the go

Stay connected to your savings with mobile banking designed around convenience and accessibility.

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Meet All Your Banking Needs

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Checking Accounts

Pair your savings account with a checking account that gives you convenient access to your money and the tools you need for everyday banking.

View Checking Accounts

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Personal Loans

Whether you’re planning ahead or managing unexpected expenses, Citizens Bank offers personal lending solutions designed to help you move forward confidently.

Learn More About Personal Loans

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Zelle®

Send and receive money quickly and securely with Zelle®. Zelle® makes it easy to move money directly from your Citizens Bank account.

Learn More About Zelle

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IRAs & CDs

Plan for the future with IRAs and CDs designed to help you build long-term financial security.

View CDs and IRAs

Find a Citizens Bank Location Near You

At Citizens Bank, personal banking starts with real conversations and trusted relationships. Visit a local branch to speak with a banker and explore savings solutions designed around your financial goals.

Find a Location

Citizens Bank

Relationship-based banking for communities across Texas, with a team that keeps conversations direct and solutions practical.

Routing # 113115617 | NMLS # 458011
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