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

 Axos BankCitibank
 Visit SiteLearn More
 

Axos Bank

Citibank

SPECIAL OFFER
Rewards Checking - Up to 3.30% APY - Learn More

Read Axos Bank Review

OFFER
Citi Priority Account - Earn up to $2,000 Cash Bonus

Read Citibank Review

 

Benefits and Features

Savings0.61% APY (balances under $25k); 0.25% APY ($25K-$100K); 0.15% APY ($100k and over)CitiĀ® 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.
CD0.20% APY. Terms of 3 months to 5 years. $1,000 minimum
Check
CheckingRewards Checking: Up to 3.30% APY
Cashback Checking: Up to 1% cashback
Citi Priority Account
Money Market
0.25% APY
Check
Customer Service 24/7 Live Customer Service (Telephone)
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.
IRA CD 
Check
IRA Money Market 
Check
Locations More than 700 Citibank branches (concentrated in New York, Chicago, Los Angeles, San Francisco, Washington DC and Miami)
 

CreditDonkey® Reviews

 Axos BankCitibank
SavingsStarStarStarStarHalf StarStarStarStarEmpty StarEmpty Star
CDStarStarStarEmpty StarEmpty StarStarStarStarEmpty StarEmpty Star
CheckingStarStarStarStarStarStarStarStarEmpty StarEmpty Star
Money MarketStarStarStarStarHalf Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarHalf Star
ATMsStarStarStarStarHalf Star
LocationsStarStarEmpty StarEmpty StarEmpty Star
Customer ServiceStarStarStarStarEmpty Star
Pros & ConsPros:
  • 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 LineFull-service online bank with excellent cashback and interest checking... Read full reviewLarge national bank best for high balance customers... Read full review
 Visit SiteLearn More

    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 02/21/2023.

    Citibank: Pricing information from published website as of 01/31/2023. 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.

    Citibank: 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.

    Axos Bank
    Member FDIC

    Rewards Checking - Up to 3.30% APY

    • Use the promo code RC100 when you apply for a Rewards Checking account by 3/31/2023. Then have qualifying direct deposit(s) to earn a $100 welcome 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
    Axos Bank
    Member FDIC

    Basic Business Checking - $200 Bonus

    • New business owners get a $200 welcome bonus!
    • Zero monthly maintenance fees
    • Unlimited Transactions
    • Unlimited domestic ATM fee reimbursements
    • $0 Minimum Opening Deposit requirement
    • 2 Free Domestic Wires, monthly
    • Cash Deposit capability via MoneyPass and AllPoint networks
    Axos Bank
    Member FDIC

    Essential Checking

    • Unlimited domestic ATM reimbursements
    • No monthly maintenance fees
    • No annual fee
    • No overdraft or non-sufficient funds fee
    Citibank

    Citi Priority Account - Earn up to $2,000 Cash Bonus

    Expires 4/4/2023
    • Earn up to $2,000 cash bonus when you open a new eligible Citi Priority Checking Account with required activities
    • Within 20 days of opening, deposit the minimum amount of new-to-Citibank funds.
    • Maintain a minimum balance for 60 consecutive calendar days from the 21st day.
    • If your balance falls to a lower tier at any point during the maintenance period, the bonus changes.
    • Bonus will be paid within 30 days after you successfully complete all required activities.
    Citibank

    Citi Priority Account - Earn up to $2,000 Cash Bonus

    Expires 4/4/2023

    Earn up to $2,000 cash bonus when you open a new eligible Citi Priority Checking Account with required activities. Within 20 days of opening, deposit the minimum amount of new-to-Citibank funds. Maintain a minimum balance for 60 consecutive calendar days from the 21st day. If your balance falls to a lower tier at any point during the maintenance period, the bonus changes. Bonus will be paid within 30 days after you successfully complete all required activities.

    Balance LevelsMaximum Bonus
    $10,000 - $29,999$200
    $30,000 - $74,999$500
    $75,000 - $199,999$1,000
    $200,000 - $299,999$1,500
    $300,000 and above$2,000

    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.

    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.

    Articles on Citibank

    Citibank

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

    Open Citi Account

    Opening a Citi bank account is easy. Take a look at what you'll need, plus find out how to earn up to $2,000 bonus

    Citi Priority Account Bonus

    Earn up to $2,000 for opening a Citi Priority Account with required activities. Find out how to take advantage of the huge cash bonus.

    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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