Comparison

Citizens Smart vs accessDEPOSIT® Mobile

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Citizens Smart

Manage your bank accounts, pay bills, and transfer funds conveniently from your mobile device. This secure app offers features like QR code payments and instant online transactions, making banking accessible anytime, anywhere without visiting a branch.

Highlights
  • Banking on the go
  • Bill payments
  • Fund transfers
  • QR code payments
  • Instant online payments
  • Account information access
  • Secure encryption
Features
Read full description

Citizens Smart is Citizens Bank's Official Mobile Banking App. Enjoy easy banking from your hand held devices, from anywhere anytime. Manage and use your Bank Account on the move and around the clock with this secure Mobile Banking App from Citizens Bank. This App will be regularly updated with additional new features. Key Features: 1. Banking On the Go 2. Bill Payments Made Easier 3. Top Up Made Easier 4. Fund Transfers Made Easier 5. QR Code: Scan and Pay 6. Instant Online and Retail Payment with Fonepay Network 7. Accessing your Account Informations Made Easier 8. User Friendly, Safe and Secure 9. And Many More Exciting Features Citizens Smart helps protect your information by using 128-bit SSL encryption when you are logged on. To be able to use this App, you first need to have a valid account maintained at Citizens Bank, and you need to subscribe to the Citizens Bank's Mobile Banking Service. Banking has never been this simple and easier before. Enjoy Banking Without visiting your branch. Citizens Smart is a Member of Fonepay Network. Smart Banking for Smart People.

About

accessDEPOSIT® Mobile

This app allows business users to make secure mobile deposits, capture payment information, and access historical transaction data. It complements a web-based Remote Deposit Capture application, enabling financial management from any location.

Highlights
  • Secure mobile deposits
  • Capture multiple checks
  • Key payment information
  • Capture remittance/invoice images
  • Access historical data
  • Tutorial and image capture test
Features
Read full description

accessDEPOSIT® Mobile by Citizens Commercial Banking® for users of Remote Deposit Capture In today’s fast-paced world, corporate and small business users need instant access to their business accounts and financial information from any location. That’s why Citizens Commercial Banking is pleased to offer accessDEPOSIT Mobile, an easy-to-use mobile app that delivers functionality that complements your Remote Deposit Capture web application. With accessDEPOSIT Mobile, you can bring your office to the virtual world, with the ability to make decisions and conduct critical business at any time - so you’re never out of touch, and always in control. FEATURES: accessDEPOSIT Mobile is a clean, intuitive application from which you can quickly and easily: • Make deposits, safely and securely from your mobile device • Capture multiple checks in one deposit • Key associated payment information with your check deposits • Capture Remittance or Invoice images • Access a tutorial at any time • Test image capture at any time • Review up to 14 days of historical data SECURITY and PRIVACY: Using state-of-the-art security protocols, accessDEPOSIT Mobile provides a secure channel through which your company’s encrypted data and transactions can be safely and reliably transmitted. Additionally, accessDEPOSIT Mobile’s multi-factor authentication process guards against unauthorized use, providing further protection of your accounts and data. *You must subscribe to a web application (accessDEPOSIT or E-Z Deposit) in order to use accessDEPOSIT Mobile. accessDEPOSIT Mobile is a registered trademark of Citizens Financial Group, Inc. All rights reserved. Citizens Commercial Banking is a brand name of Citizens Bank, N.A. and Citizens Bank of Pennsylvania. Member FDIC. Connectivity to accessDEPOSIT Mobile is provided by your mobile operator or wireless provider.

Screenshots

Citizens Smart4 screens
accessDEPOSIT® Mobile4 screens

Verdict

The call

The clearest difference is rating: Citizens Smart at 3.6 against accessDEPOSIT® Mobile's 1.9. Citizens Smart also leads on update cadence (fortnightly vs every 16 months) and review sentiment (10% vs 0%). accessDEPOSIT® Mobile's advantage is iOS requirement (10.0 vs 13.0). On price, ads, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Citizens Smart holds the better App Store score, 3.6 against 1.9. Both are backed by a comparable volume of ratings — 31 and 8 respectively. Written reviews point the same way: 10% of Citizens Smart's written reviews are positive against 0% of accessDEPOSIT® Mobile's.

UpkeepUpdate frequency

Citizens Smart ships an update fortnightly, accessDEPOSIT® Mobile every 16 months. The most recent releases landed on October 24, 2026 and October 20, 2026 respectively.

Scorecard5 real differences · 5 level
Citizens Smart versus accessDEPOSIT® Mobile: the parameters behind the verdict, then further details
ParameterCitizens SmartaccessDEPOSIT® Mobile
PriceFreeFree
Rating3.6 (31 ratings) — better1.9 (8 ratings)
Positive reviews10.0% of reviews — better0.0% of reviews
Number of ratings31 — better8
Update frequencyFortnightly — betterEvery 16 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS13.010.0 — better
Further details — not scored
Size187 MB97 MB
Age rating17+4+
DeveloperCitizens Bank International Ltd.Citizens Bank, N.A.

Customer experience

Citizens Smart

All ratings31 ratings
Positive61.3%
Neutral9.7%
Negative29.0%
Written reviews10 reviews
Positive10.0%
Neutral30.0%
Negative60.0%

accessDEPOSIT® Mobile

All ratings8 ratings
Positive25.0%
Neutral0.0%
Negative75.0%
Written reviews2 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

Citizens Smart

No in-app purchases

None

accessDEPOSIT® Mobile

No in-app purchases

Questions

Is Citizens Smart free?
Citizens Smart is free to download, with no in-app purchases.
Is accessDEPOSIT® Mobile free?
accessDEPOSIT® Mobile is free to download, with no in-app purchases.
Which has better reviews, Citizens Smart or accessDEPOSIT® Mobile?
Citizens Smart is rated higher. Citizens Smart averages 3.6 out of 5 from 31 ratings, while accessDEPOSIT® Mobile averages 1.9 from 8 ratings.
Do Citizens Smart or accessDEPOSIT® Mobile have ads?
Neither Citizens Smart nor accessDEPOSIT® Mobile shows ads.
Which is updated more often, Citizens Smart or accessDEPOSIT® Mobile?
Citizens Smart ships an update fortnightly, and accessDEPOSIT® Mobile every 16 months. Most recently, Citizens Smart was updated on October 24, 2026 and accessDEPOSIT® Mobile on October 20, 2026.

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