Discover Bank vs Citizens Bank
Discover Bank | Citizens Bank | |
|---|---|---|
Online Savings Account - Earn 3.40% APY - | 7-Month CD - 3.75% APY - | |
Benefits and Features | ||
| Savings | Several types of Savings accounts. 0.01% APY. No minimum opening deposit. $4.99 monthly maintenance fee, unless you have a minimum daily balance of $200 in your account, or have a qualifying Citizens Bank checkings account. | |
| CD | 2.00% to 3.90% APY depending on terms | Several types of CD accounts. Terms ranging from 7-14 month. 3.10% - 3.75% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $25,000 for 7-Month and $1,000 for 14-Month online CD. |
| Money Market | Several types of Money Market accounts. 0.01% APY. No minimum opening deposit. Monthly maintenance fee of $10, unless you have a minimum daily balance of $2500. Other Money Market accounts have no monthly maintenance fee but require qualifying Citizens Bank Checking Account. | |
| Mobile App | ||
| ATMs | ||
| Customer Service | 24/7 Telephone Customer Service | |
| IRA CD | Terms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee. | |
| Locations | ||
CreditDonkey® Reviews | ||
| Savings |   | |
| Fees | | |
| Mobile App |  | |
| Customer Service | | |
| Pros & Cons | Pros:
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| Bottom Line | Online savings account with an impressive rate and no fees... | |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Discover Bank: Pricing information and data points from published website as of 12/15/2025. Citizens Bank: Pricing information from published website as of 12/11/2025 based on 10011 zip code. | ||
Articles on Citizens Bank
Citizens Bank High Yield Savings
Citizens has an online savings account with a competitive APY and no fees. But what's the catch? Continue reading to find out.
Citizens Bank Problems
While Citizens Bank offers easy-to-maintain checking and savings accounts, some customers didn't have the best experience. Here's why.
Which Do You Think is Best?
Which Bank Account is Right for You?
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