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Axos Bank vs Citibank


 Axos Bank
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Axos Bank

Citibank

SPECIAL OFFER
Rewards Checking - Learn More

Read Axos Bank Review

SPECIAL OFFER
Citi Accelerate Savings Account - 0.70% APY - Learn More

Read Citibank Review

 

Benefits and Features

Savings0.61% APY. No minimum opening deposit. No monthly maintenance fee. Daily Compounding Interest.0.04% - 0.15% APY. No minimum deposit. $4.50 monthly fee unless you maintain an average monthly balance of $500.
CD0.20% APY. Terms of 3 months to 60 months. No maintenance fee. Minimum deposit of $1,000.0.05% - 0.25% 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.
CheckingEarn up to 1.25% APY if you meet 2 out of 3 conditions. 1. Monthly direct deposits totaling $1,000 or more 2. Use your Axos Visa┬« Debit Card for a total of 10 transactions per month (min $3 per transaction). 3. Use your Axos Visa┬« Debit Card 5 more times, a total of 15 transactions per month (min $3 per transaction). 
Money Market0.60% APY. No minimum balance requirements. No fees to open or maintain account.A.k.a 'Savings Plus' Account. 0.01% - 0.10% APY. Minimum opening deposit $100.
Customer Service 24/7 Live Customer Service (Telephone)
ATMs 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% - 0.25% 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.
Locations 700 Citibank branches across 13 states (mostly in California and New York)
 

CreditDonkey® Reviews

 Axos Bank
Savings
CD
Checking
Customer Service
Mobile App
Pros & ConsPros:
  • Perks for high balance customers
  • Many fee-free ATMs
  • Global presence
Cons:
  • No free checking option
  • Higher balance requirements
  • Low savings APY
Bottom Line Read full reviewLarge national bank best for high balance customers... Read full review
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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 07/01/2020.

Citibank: Pricing information from published website as of 10/22/2020.


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