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Citibank vs US Bank

Citibank is a large national bank best for high balance customers. How does it compare to US Bank? Read our comparison chart below.

Citibank has 700 branches across the U.S. Accounts must be opened as a checking & savings package. 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.

While US Bank has 3,000 branches across 26 states. It has somewhat high minimum balance requirements to waive monthly checking account service fees. Their promotional CD Special offers high interest rates with a $1,000 minimum opening deposit.

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

 

Citibank

US Bank

SPECIAL OFFER
Citi Priority Package - $700 Bonus - Learn More

Read Citibank Review

 

Benefits and Features

Savings0.04% - 0.06% APY. No minimum deposit. $4.50 monthly fee unless you maintain an average monthly balance of $500.0.01% APY. Minimum deposit $25. Monthly maintenance fee $4, unless you have $300 minimum daily ledger balance OR $1,000 average monthly collected balance.
CD0.05% - 1.75% APY. Terms ranging from 3 months to 5 years. Minimum opening deposit is $1,000 in CA, and NV, $2,500 in MD, DC, VA, and FL, $500 in all other markets.Standard Term CD: 0.05% - 0.75% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $249,999. CD Special: 1.75% - 2.10% APY. Terms of 9, 17, 37 and 59 months. Minimum deposit of $1,000. Maximum deposit $249,999
Money MarketA.k.a 'Savings Plus' Account. 0.01% - 0.10% APY. Minimum opening deposit $100.0.03% - 0.06% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee $10 unless you have $10,000 minimum daily ledger balance.
Customer Service24/7 Live Customer Service (Telephone)24/7 Live Customer Service (Telephone)
ATMs2400 ATMs across the country. Citibank also works at all MoneyPass ATMs, which means access to over 60,000 no-fee ATMs.More than 4,700 ATMs across the country
IRA CDCan convert an IRA to a regular CD account. 0.05% - 1.75% APY. Terms ranging from 3 months to 5 years. Minimum opening deposit is $1,000 in CA, and NV, $2,500 in MD, DC, VA, and FL, $500 in all other markets. 
IRA Money MarketCan convert an IRA account to a regular Money Market account. 0.01% - 0.10% APY. Minimum opening deposit $100.Minimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees.
Locations700 Citibank branches across 13 states (mostly in California and New York)More than 3000 branches across the country.
 

CreditDonkey® Reviews

Savings
CD
Checking
Customer Service
Mobile App
Money Market
Pros & ConsPros:
  • Perks for high balance customers
  • Many fee-free ATMs
  • Global presence
Cons:
  • No free checking option
  • Higher balance requirements
  • Low savings APY
Pros:
  • Promo CD with high APY
  • Free student account
  • 24/7 customer service
Cons:
  • High minimums to waive fees
  • Low savings APY
Bottom LineLarge national bank best for high balance customers... Read full reviewBig national bank with wide array of services and many account options... Read full review

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

Citibank: Pricing information from published website as of 12/13/2019.

US Bank: Pricing information from published website as of 12/13/2019 based on 91107 zip code.

Which is Better: Citibank or US Bank?

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

In short: US Bank's cd is notable.


Articles on Citibank


Articles on US Bank

    US Bank Review

    U.S. Bank is the country's fifth largest bank, but does that make them a bank that will suit your banking needs? Do you need one of the country's largest banks or is a smaller bank more your style?

    US Bank Routing Number

    To transfer money in or out of your US Bank checking or savings account, you'll need the right routing number. Find your US Bank routing number below.

Which Do You Think is Best?


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