Axos Bank vs Citibank

Axos Bank is a full-service online bank with excellent cashback and interest checking. How does it compare to Citibank? Read our comparison chart below.

Axos Bank offers a range of checking and savings products. Checking options includes a up-to 1% cashback account and rewards checking account with a higher interest rate. Savings options include savings accounts and CDs with higher-than-average rates. All accounts have no monthly service fees.

While Citibank has over 700 branches across the United States. Service fees and ways to waive are on the high side. Best for high-balance customers who can open one of the elite accounts to earn reward points, get preferred rates, and other perks.

Compare Axos Bank with Citibank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Member FDIC	CitibankBank of AmericaChaseDiscover BankUS BankHSBC Member FDIC
	Visit Site	Learn More
	Axos Bank	Citibank
	SPECIAL OFFER Rewards Checking - Up to 3.30% APY - Learn More Read Axos Bank Review	OFFER Checking with Enhanced Direct Deposit - $300 Cash Bonus Read Citibank Review
	Benefits and Features
Savings	0.61% APY (balances under $25k); 0.25% APY ($25K-$100K); 0.15% APY ($100k and over)	Citi® Accelerate High-Yield Savings: Available in AA, AE, AK, AL, AP, AR, AS, AZ, CO, DE, GA, GU, HI, IA, ID, IN, KS, KY, LA, MA, ME, MI, MN, MO, MP, MS, MT, NC, ND, NE, NH, NM, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY and select markets in Florida and Illinois. Citi® Savings: Available in CA, CT, DC, MD, NV, NJ, NY, VA, and select markets in Florida and Illinois.
CD	0.20% APY. Terms of 3 months to 5 years. $1,000 minimum
Checking	Rewards Checking: Up to 3.30% APY Cashback Checking: Up to 1% cashback
Money Market	0.25% APY
Mobile App	iOS & Android
ATMs	Approximately 91,000 partner ATMs	More than 70,000 fee-free ATMs at Citi branches and participating retail locations nationwide, including Target, CVS Pharmacy, Rite aid, Walgreens, Duane Reade and ATMs displaying Allpoint or MoneyPass logo.
Customer Service	24/7	24/7 Live Customer Service (Telephone)
IRA CD
IRA Money Market
Locations	Online only	More than 700 Citibank branches (concentrated in New York, Chicago, Los Angeles, San Francisco, Washington DC and Miami)
	CreditDonkey® Reviews
Savings
CD
Checking
Money Market
Mobile App
ATMs
Locations
Customer Service
Pros & Cons	Pros: Checking with rewards No monthly fee Domestic ATM rebates Cons: Low CD rates No physical branches	Pros: Perks for high balance customers Many fee-free ATMs Global presence Cons: No free checking option Higher balance requirements Low savings APY
Bottom Line	Full-service online bank with excellent cashback and interest checking... Read full review	Large national bank best for high balance customers... Read full review
	Visit Site	Learn More
	Rewards Checking - Up to 3.30% APY Basic Business Checking - Up to $400 Bonus CashBack Checking - Earn up to 1.00% Cash Back
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Axos Bank: Pricing information from published website as of 04/10/2024. Citibank: Pricing information from published website as of 04/09/2024. This content is not provided by Citi. Any opinions expressed are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Citi.

Member FDIC

Rewards Checking - Up to 3.30% APY

Get Deal

Expires 6/30/2024

• Use promo code AXOS300 and apply by June 30th, to earn up to a $300 bonus!
• Up to 3.30% APY
• Zero monthly maintenance fees
• Zero overdraft or NSF fees
• Zero minimum monthly balance reqs
• Unlimited domestic ATM fee reimbursements
• Online debit card management
• Simple, 3-step process for direct deposit
• Only $50 to open an account

Member FDIC

Basic Business Checking - Up to $400 Bonus

Get Deal

Expires 6/30/2024

• Business owners get up to $400 welcome bonus!*
• Open a business checking account by June 30 and get up to $400 when you use promo code NEW400 on your application and maintain a minimum average daily balance of $50,000.*
• Zero opening deposit and cash deposits accepted
• Zero minimum monthly balance requirements
• Two domestic wire reimbursements monthly
• Unlimited domestic ATM fee reimbursements
• Enhanced Visa benefits and first 50 checks free
• Dedicated relationship manager and more

Member FDIC

CashBack Checking - Earn up to 1.00% Cash Back

Get Deal

• Earn up to 1.00% cash back on signature-based purchases
• Unlimited domestic ATM fee reimbursement
• No monthly maintenance fee
• $50 minimum balance required to open account

Which is Better: Axos Bank or Citibank?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Axos Bank or Chase.

In short: Axos Bank's savings and checking are notable. In particular, the checking is excellent.

Articles on Axos Bank

Axos Bank Review

Axos Bank offers full-service banking completely online with no fees. Find out below whether they can replace your traditional bank account.

• Axos Bank vs Ally Bank
• Axos Bank vs Chime
• Axos Bank vs Marcus

Axos Business Checking

Looking for affordable banking for your small business? Axos Bank offers a free business checking account or an interest-bearing account. Read on.

• Axos Bank vs Bank of America
• Axos Bank vs Chase
• Axos Bank vs Discover Bank

Is Axos Bank Safe

Is Axos Bank safe and legit? Find out if Axos is a good bank and learn more about its pros, cons, and common complaints.

• Axos Bank vs Varo Bank
• Axos Bank vs Capital One

Articles on Citibank

Citibank

Citibank offers banking services and credit cards. But service fees and balance requirements are on the high side. Is it the right bank for you?

• Citibank vs US Bank
• Citibank vs HSBC

Citibank Open Account

Opening a Citi bank account is easy. Take a look at what you'll need, plus find out how to earn a bonus

Citi Savings Account Interest Rate

Citibank boasts two savings accounts with varying rates and low fees. But which one should you open? Read on for all the details.

Citibank Accelerate Savings

Citi now offers high-yield savings with one of the best interest rate. But it's only available in select markets. Read this review to see if it's good for you.

Citibank Routing Number

Looking to transfer money in or out of your Citibank checking or savings account? Find your Citibank routing number and learn about money transfers below.

Which Do You Think is Best?

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