FAQs Accelerate your growth with SpeciFi Save & Grow™ A smarter way to put your money to work. Get Started Watch Video has popup Looking for an IRA? Learn more about SpeciFi IRA™ Earn approximately 8x the national average on cash while investing for the future CASH Keep your ‘short-term’ money in cash Stash cash until you’re ready to invest, as an emergency fund, or for a big purchase. 0.50% APY Earn approximately 8x the national average on your cash. Auto-invested interest We automatically invest the interest earned on your cash for you, so it can grow for the future. FDIC Insurance Your cash is FDIC insurance eligible. You set the amount to keep in cash. INVESTMENTS Grow your money for the future Professionally managed, low-cost automated investing that’s based on your goals and comfort level with risk. We do the hard work We automatically manage and rebalance for you. Financial Advisors Talk to experienced Financial Advisors when you have questions. Low fee, low minimum Annual advisory fee of just 0.50% is roughly half the cost of a traditionally managed account. Get started with as little as $2,000. How are you saving for your future? Tell us about yourself and we'll tailor your Save & Grow account to best fit your needs. I am years old. I feel like I I have that I might put to work. Log In & Build My Strategy Build as a Guest See how your money could grow over time The calculation is based on a moderate investment portfolio. Learn more Initial Cash Amount $5,000 Initial Investment Amount $15,000 Chart Today 2031 $10k $20k $30k $40k Get Started Manage your cash and investments, all in one account Do it all from Citizens Bank Online® Seamless transfers Unlimited, free transfers between cash and investments. Recurring contributions An easy way to make a big difference—set up automatic contributions from your checking or savings account. Access to your money You have access to your money when you need it—even your invested funds. No penalties for withdrawals or transfers. Getting started is easy Answer a few questions, get your personalized investment plan and let us do the work Get Started Watch to learn more Portfolios aligned to help you achieve your goals Explore some of our model portfolios designed to provide efficiency and diversification across the risk/return spectrum. After answering a few questions about your goals and comfort level with risk, our automated investing technology will recommend a portfolio that best fits your needs. Get your personalized investment plan 62/38 EQUITY/FIXED INCOME Donut Chart has 7 slices Balanced The Balanced strategy is designed for long-term portfolio growth, but still provides some insulation against market downturns. This portfolio seeks to help you prioritize both long-term goals and short-term stability. Less risk More risk One low fee leaves you more to invest 0.50% Annual advisory fee on your investments Investment Balance $10,000 ESTIMATED FEES $4.17 / month View Fee Details No transfer fees No hidden advisory fees No commission fees $2,000 minimum investment Citizens Quest™ Checking Customers. Get $100 when you open an account. Interested in Citizens Quest™ Checking? Learn more Get Started Get personalized advice from a Financial Advisor when you need it Our experienced Financial Advisors are available at no additional cost. View common questions Schedule an appointment Or, call us at 1-855-635-6663 8am-6pm EST, Monday - Friday Ready to save and grow? View FAQ Get Started 2020 Digital Initiative of the Year SpeciFi Save & Grow™ was named “Digital Initiative of the Year” in Aite Group’s 2020 Digital Wealth Management Impact Innovation Awards Invest for retirement with SpeciFi IRA™ We offer Traditional and Roth IRAs, and can help you with a 401(k) rollover Rollover an old 401(k) Whether you decide to roll it over to an IRA, keep it where it is, or cash out, we can help you understand your options and minimize fees. Open or transfer an IRA Our Financial Advisors can help you understand key differences between a Traditional IRA and a Roth IRA, and which may be right for you. Open a SpeciFi IRA™ 1To Earn Bonus: To earn a $100 bonus, you must have a Citizens Quest™ Checking account and open your first new SpeciFi Save & Grow™ account between 10/28/2021 to 12/31/2021 and keep it open for 3 months as stated in the table below. Qualifications: Primary signer on the new SpeciFi Save & Grow™ account may not be or have been a signer on any SpeciFi Save & Grow™ accounts within the previous six months. The new account must be open and in good standing until the payout date stated in the table below to qualify for this offer. Eligibility: One-time promotional bonus is available only to one individual residing in the same household. Offers may be withdrawn without notice. Customer should retain a printed copy for their records. Payout: Bonus will be deposited to the primary Citizens Quest Checking Account by the date stated in the table below and will be labeled as "Balance Builder Bonus". Bonus will be reported to the IRS for income tax purposes. Fees may reduce earnings. Rates subject to change after account opening. SpeciFi Account Opened in month of: Your SpeciFi Account needs to remain open during the months of: Bonus will be paid by: October 2021 November, December 2021 & January 2022 February 28, 2022 November 2021 December 2021 & January, February 2022 March 31, 2022 December 2021 January, February, March 2022 April 30, 2022 SpeciFi Save & Grow™ was named “Digital Initiative of the Year” in Aite Group’s 2020 Digital Wealth Management Impact Innovation Awards. The awards program honors innovation achieved by wealth management firms leveraging technology to surpass the status quo. The award winners and finalists were selected based on the following criteria, which was considered when scoring each entry: level of innovation and competitive advantage, market needs assessment, impact on customer experience, impact on customer operational efficiency, level of new revenue opportunity for the organization, impact on customer retention/new customer attraction, level of scalability across customer base, and future roadmap. The winners were selected by a global panel of six external experts on digital wealth management. The identification of an Aite Group award winner or finalist is not an endorsement by Aite Group of any vendor, product, or service. Aite Group is not affiliated with Citizens Financial Group, Inc. Securities, Insurance Products and Investment Advisory Services offered through Citizens Securities, Inc (“CSI”). CSI is an SEC registered investment adviser and Member - FINRA and SIPC. One Citizens Bank Way, JCB135, Johnston, RI 02919. CSI is an affiliate of Citizens Bank, N.A. The investment products and financial strategies suggested herein are subject to investment risk, including possible loss of principal amount invested. There can be no guarantee the suggested strategies or investments will lead to successful outcomes. Investment decisions should be based on each individual's goals, time horizon and tolerance for risk. This content is intended for informational purposes only and should not be construed as advice. Citizens Securities, Inc does not provide legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Cash balances in SpeciFi® accounts are deposited or "swept" into interest-bearing FDIC-insured eligible deposit program accounts at Citizens Bank, N.A. Cash balances in SpeciFi accounts in transit to or from Proprietary Bank Deposit Sweep Program ("BDSP") at Citizens Bank, N.A. are not FDIC-insured but are protected by SIPC. Once the cash balance is deposited (or "swept") into BDSP, the funds are insured up to applicable FDIC limit. The FDIC insurance limit is based on all accounts held in the same insurable capacity at Citizens Bank, N.A., not just the cash held in SpeciFi accounts. Securities products and services offered by CSI, including intra-day or unswept cash, are not deposits or obligations of Citizens Bank, N.A., are subject to investment risk, are not FDIC-insured, may lose value, and are not bank guaranteed. SpeciFi accounts are made available through CSI, an SEC registered investment adviser. Portfolio management services are sub-advised by SigFig Wealth Management, LLC ("SigFig"), an SEC registered investment adviser. SigFig is not an affiliate of CSI or Citizens Bank, N.A. The investment balances shown are based on market prices, with up to a fifteen minute delay from the time this webpage was last refreshed. Information relating to accounts not held at CSI is presented as an accommodation and while drawn from sources believed to be reliable is not guaranteed as to accuracy or completeness. Such information should be independently confirmed by the account owner(s). Securities, Insurance Products and Investment Advisory Services are: NOT FDIC INSURED NOT BANK GUARANTEED MAY LOSE VALUE NOT A DEPOSIT NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY ©2021 Citizens Financial Group, Inc. All rights reserved. Citizens is a brand name of Citizens Bank, N.A. Member FDIC. Terms · Disclosure Brochure and Form ADV · Form CRS · Bank Deposit Sweep Disclosure · Security · Privacy loading