Citizens Access Routing Number: Online Savings Guide

What is the Citizens Access routing number?

Citizens Access uses routing number 021313103 for its online deposit accounts. This ABA routing number is used for ACH transfers, direct deposits, and linking external bank accounts for funding your Citizens Access savings.

Citizens Access is the online-only banking division of Citizens Financial Group, one of the largest retail banks in the United States. Launched in 2018, Citizens Access offers high-yield savings accounts and CDs at competitive rates, backed by Citizens Bank's FDIC insurance.

How to find your Citizens Access routing number

Log into your Citizens Access online account and navigate to account details to view your routing number (021313103) and account number. This information is also available in account confirmation documents.

Note that Citizens Access has a separate routing number from Citizens Bank's traditional branch banking (which uses different routing numbers by state). Always use 021313103 for Citizens Access online accounts specifically.

Citizens Access transfers and deposits

Fund your Citizens Access account by linking an external bank account and initiating ACH transfers using routing number 021313103. Citizens Access supports incoming ACH deposits, including employer direct deposits and recurring transfers from other banks.

Citizens Access processes ACH transfers on standard Federal Reserve settlement schedules. New external account links may require micro-deposit verification before transfers can be initiated.

Citizens Access savings and CD products

Citizens Access offers online savings accounts with competitive APY rates and no monthly maintenance fees, subject to a minimum opening deposit. Their CD products range from short-term to multi-year terms with fixed rates.

As part of Citizens Financial Group, deposits are FDIC-insured up to $250,000 per depositor. Citizens Access focuses exclusively on deposit products and does not offer checking accounts, credit cards, or lending.

Business banking with Slash

Citizens Access is a personal savings platform and does not offer business banking. Slash is purpose-built for businesses, providing a full checking account with up to 2% cashback on card spend, unlimited virtual cards, and integrated expense management.

For businesses looking for competitive yield and a complete banking solution, Slash offers treasury yield alongside real-time spend controls, stablecoin payments, multi-entity support, and automated accounting integrations — far beyond what a savings-only platform can deliver.