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US Bank vs Citibank

US Bank is a big national bank with wide array of services and many account options. How does it compare to Citibank? Read our comparison chart below.

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.

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

 

US Bank

Citibank

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Benefits and Features

Savings0.01% APY. Minimum deposit $25. Monthly maintenance fee $4, unless you have $300 minimum daily ledger balance OR $1,000 average monthly collected balance.0.04% - 0.06% APY. No minimum deposit. $4.50 monthly fee unless you maintain an average monthly balance of $500.
CDStandard 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% - 2.00% APY. Terms of 9, 17, 37 and 59 months. Minimum deposit of $1,000. Maximum deposit $249,9990.05% - 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 Market0.03% - 0.06% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee $10 unless you have $10,000 minimum daily ledger balance.A.k.a 'Savings Plus' Account. 0.01% - 0.10% APY. Minimum opening deposit $100.
Customer Service24/7 Live Customer Service (Telephone)24/7 Live Customer Service (Telephone)
ATMsMore than 4,700 ATMs across the country2400 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 MarketMinimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees.Can convert an IRA account to a regular Money Market account. 0.01% - 0.10% APY. Minimum opening deposit $100.
LocationsMore than 3000 branches across the country.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:
  • Promo CD with high APY
  • Free student account
  • 24/7 customer service
Cons:
  • High minimums to waive fees
  • Low savings APY
Pros:
  • Perks for high balance customers
  • Many fee-free ATMs
  • Global presence
Cons:
  • No free checking option
  • Higher balance requirements
  • Low savings APY
Bottom LineBig national bank with wide array of services and many account options... Read full reviewLarge national bank best for high balance customers... 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.

US Bank: Pricing information from published website as of 12/06/2019 based on 91107 zip code.

Citibank: Pricing information from published website as of 12/06/2019.

Which is Better: US Bank or Citibank?

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

In short: US Bank's cd is notable.


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.

Articles on Citibank

    Citibank Review

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

    Citibank Routing Number

    Looking to transfer money in or out of your Citibank checking or savings account? You'll need the right routing number. Find your Citibank routing number and learn about money transfers below.

Which Do You Think is Best?


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