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KeyBank vs Citibank

KeyBank is a bank with a variety of deposit products and great financial tools. How does it compare to Citibank? Read our comparison chart below.

KeyBank has over 1,200 branches in 16 states. It offers a range of checking and savings accounts. Some relationship products offer perks like lower loan rates and higher savings APY. Key Bank has higher monthly service fees and heavier requirements to waive, but there is a free checking option.

While 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.

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

 

KeyBank

Citibank

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Key Checking Account - $300 Bonus - Learn More

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Benefits and Features

Savings0.10% - 0.20% APY depending on amount. $10 minimum opening deposit. $4 monthly maintenance fee unless you 1) have $300 daily balance, or have 2) $5 monthly minimum direct deposit or recurring transfer from another Key account, or 3) have a HelloWallet Financial Wellness Score of at least 1.0.04% APY. No minimum deposit. $4.50 monthly fee unless you maintain an average monthly balance of $500.
CDStandard Term CD: 0.10% - 0.75% APY. Terms of 7 days to 10 years. Minimum deposit of $2,500. Promotional CD: 0.15% - 1.25% APY. Terms of 13, 18, 27, 37, and 47 months. Minimum deposit of $10,000.0.05% - 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.
Money MarketStandard rate of 0.05% APY depending on balance. (3-Month Variable bonus relationship rate of 0.14% APY for a minimum opening deposit of $5,000) $50 minimum opening deposit. Monthly maintenance charge of $12. Can be waived with $5,000 daily balance or monthly direct deposit of at least $25.00 or having a qualifying Key Checking Account.A.k.a 'Savings Plus' Account. 0.01% - 0.10% APY. Minimum opening deposit $100.
Customer ServiceTelephone Service available 24/724/7 Live Customer Service (Telephone)
ATMsMore than 1,500 ATMs in Alaska, Colorado, Connecticut, Florida, Idaho, Indiana, Maine, Massachusetts, Michigan, New York, Ohio, Oregon, Pennsylvania, Utah, Vermont, and Washington.2400 ATMs across the country. Citibank also works at all MoneyPass ATMs, which means access to over 60,000 no-fee ATMs.
IRA CD Can 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 Market Can convert an IRA account to a regular Money Market account. 0.01% - 0.10% APY. Minimum opening deposit $100.
LocationsMore than 1,200 branches in 16 states: Alaska, Colorado, Connecticut, Florida, Idaho, Indiana, Maine, Massachusetts, Michigan, New York, Ohio, Oregon, Pennsylvania, Utah, Vermont, and Washington.700 Citibank branches across 13 states (mostly in California and New York)
 

CreditDonkey® Reviews

Savings
CD
Checking
Money Market
Customer Service
Mobile App
Pros & ConsPros:
  • HelloWallet financial tools
  • Free checking option
  • 24/7 customer service
Cons:
  • Limited branches
  • High account fees
Pros:
  • Perks for high balance customers
  • Many fee-free ATMs
  • Global presence
Cons:
  • No free checking option
  • Higher balance requirements
  • Low savings APY
Bottom LineBank with a variety of deposit products and great financial tools... Read full reviewLarge national bank best for high balance customers... Read full review

Key Checking Account - $300 Bonus

What Others View

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

    KeyBank: Pricing information from published website as of 11/17/2019 based on 44114 zip code.

    Citibank: Pricing information from published website as of 11/15/2019.

    Which is Better: KeyBank or Citibank?

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


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