Use of the app is simple but is limited, as some activity needs to be done online. My only none app or online issue is the time it takes for an external transfer out, as FAQ states 2-3 days but customer service states 5 business days, not counting the day of transfer. It actually has taken 5 full business days. Transfers in take the same but begin earning interest on day of transfer. It is more about getting the money in a more timely manner.

I haven’t even had this account for 24 hours and it’s been a nightmare. I wanted a new hys to split funds for different things. So i open this account (HUGE MISTAKE). i Cannot transfer any funds into the account. The app and website is terrible. It lags, it kicks you out randomly, it won’t load half the time. I called customer service and was on hold for HOURS before i was able to speak to someone Was told by different representatives that it hadn’t gone through and a ticket was made. I decided i just wanted to close my account. I moved the money to my other Citibank HYS account. All of a sudden a new representative tells me the money is pending and it did go through. It shows nothing is pending on the app or the website and the last representative was not able to see that. This is insane. The hold times are ridiculous. Do your research before you open. I’ve been with Citizens Bank for over a decade and assumed it would be a similar experience. I was so wrong. Not even 24 hours with this account and it’s been nothing but a dang headache. Listen to the reviews, don’t put your money here.

This app works well and allows me to look at my savings account. I wish it would show how much interest I have accrued on a daily basis like most high interest savings account apps seem to do. I also wish visually it was more modern looking like other bank apps. Also I wish the face ID login process were smoother. This app suffers from the same problem as Citizen Bank’s app where it is only able to automatically login using Face ID the first time the app launches, not when I go back to the app later. Lastly, my only real gripe is how long it takes the bank to process transactions from a Citizens Bank account. I know technically they are separate institutions, but they are both owned by the same parent company. It takes 3-4 business days for the funds to become available even though it’s coming from a sister bank.

The tiny credit union I’ve been a member at since I was 15 has a better app than Citizens Access. Since Citizens is entirely online I was expecting the same level of service in app but it falls short. Here’s a list of things my CU has that CA doesn’t:1. A place to see transfer history with DETAILS about originating account and date made. 2. A place to see all previous check deposits made. 3. Access to printouts such as: Direct Deposit, Verification of Deposits, Account Activity Letters etc. 4. No place to dispute transaction in the app. You found something that doesn’t line up? Gotta call and wait an hour in the queue. And the resulting case will take them FOREVER to resolve 🫠5. Can’t open a new account in app. Gotta login on a computer. 6. This is more an issue I have with CA not the app but no checking accounts which means no debit cards which means no way to get your money at an ATM. There is no easy way to access your money. Had an emergency and need money? Well gotta wait a few business days for it to transfer into an account you CAN access it in. Good luck if the emergency happens on a Thursday/Friday. Now you gotta wait a whole weekend too. The literal only good thing about CA is the interest rate which is just barely worth all this headache.