Saving money should feel motivating and full of possibilities. Citizens Bank’s personal savings accounts create space for your goals to grow with digital convenience, helpful tools, and guidance rooted in genuine community care. You get a modern way to manage your progress along with the dependable support of a banking team that understands real financial life.
People open savings and personal bank accounts for all kinds of milestones, including unexpected expenses, future plans, long-term security, or simply peace of mind. No matter your focus, we offer thoughtful savings options designed to help your balance build strength and momentum over time. Plus, with flexible features and interest-earning opportunities, you can move forward with confidence and clarity.
Benefits of Personal Savings Accounts
A personal savings account creates a strong financial foundation and gives your goals room to grow. With online and mobile banking, quick transfers, helpful alerts, and knowledgeable support, you get tools that match your pace and lifestyle. Saving becomes easier when your bank helps you track progress, stay organized, and access your funds with confidence.
Citizens Bank brings together the strength of a national financial institution and the personal attention of a community partner. You gain straightforward account management, competitive earning opportunities, and a team that cares about long-term financial wellness.
Every feature is designed to help you save with intention, stay focused, and feel secure as your balance builds.
Your Savings Account Options
A classic savings account built for rainy-day funds, future milestones, and everyday financial confidence. Heritage Savings blends simplicity with steady growth, offering competitive interest on qualifying balances and digital tools that make saving feel effortless.
- $100 minimum opening deposit
- $5 monthly service charge waived with a $100 daily balance
- Online and Mobile Banking
- ATM card available
- Competitive interest rate
- Limited to 6 withdrawals per month
- Refer to Fee Schedule for product fees and charges
A dependable choice for anyone ready to grow savings with ease and consistency.
Holiday expenses hit hard when they sneak up, so this account helps you prepare early and stress less. Holiday Club Savings makes it simple to set aside money throughout the year, then receive your funds in November, right before peak shopping season.
- $25 minimum opening deposit
- No monthly service charge
- Annual disbursement in November
- Online and Mobile Banking
- Competitive interest rate
- No Bill Pay or ATM/Debit Card access
- Refer to the Fee Schedule for product fees and charges
Perfect for shoppers who want a smooth, budget-friendly holiday season.
Designed for savers who want flexibility, security, and higher earning potential, Empower Money Market unlocks competitive tiered interest rates while still giving you convenient access to your funds. Personalized support is available anytime, online or in person.
- $5,000 minimum opening deposit
- $15 monthly service charge waived with a $5,000 daily balance
- Online and Mobile Banking
- Tiered competitive interest rates
- Limited to 6 withdrawals per month
- No ATM/Debit Card access
- Refer to the Fee Schedule for product fees and charges
A strong fit for individuals growing larger balances and seeking elevated earning opportunities.
Start-Up Savings helps young savers build money skills with confidence. With no monthly fee, easy digital access, and interest on qualifying balances, this account creates a supportive environment for kids and teens to learn smart financial habits early.
- Available for individuals 18 and younger
- $10 minimum opening deposit
- No monthly service charge
- Online and Mobile Banking
- Competitive interest rate
- Limited to 6 withdrawals per month
- Refer to the Fee Schedule for product fees and charges
A great first step for building financial awareness and watching savings grow over time.
Why Choose a Personal Savings Account with Citizens?
Saving becomes more powerful when you partner with a bank that values your goals and invests in your progress. At Citizens Bank, you gain modern banking convenience, a caring local team, and savings accounts structured to keep your money moving in the right direction. Every tool, feature, and resource is designed to help your balance grow with clarity and confidence.
Our community roots shape the way we approach banking. You receive attentive support, meaningful guidance, and a banking experience built around trust. Your savings goals matter here, and our team is ready to help you stay focused and financially secure.
What you can count on:
- Competitive interest-earning opportunities
- Digital banking tools that simplify saving
- Helpful insights from experienced financial experts
- Straightforward account management
- A community-centered banking experience
Reach Out to a Banking Team That Truly Supports You
Your financial plans deserve a team committed to helping you gain traction and peace of mind. No matter your savings goals or starting point, Citizens Bank offers thoughtful support and account options that help you build a stronger financial future.
Connect with our team today to get started.