Axos Bank vs Citibank

Axos Bank is a full-service online bank with excellent checking and savings. 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 600 branches across the United States. 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 Bank	Citibank
	SPECIAL OFFER Basic Business Checking - Learn More Read Axos Bank Review	OFFER Checking with Enhanced Direct Deposit - $325 Cash Bonus Read Citibank Review
	Benefits and Features
Savings	0.61% APY (balances under $25k); 0.25% APY ($25K-$100K); 0.15% APY ($100k and over)	Citi® 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. Citi® Savings: Available in CA, CT, DC, MD, NV, NJ, NY, VA, and select markets in Florida and Illinois.
CD	0.20% APY. Terms of 3 months to 5 years. $1,000 minimum	1-Year Fixed Rate CD - 4.00% APY 6-Month Fixed Rate CD - Up to 3.00% APY 9-Month Fixed Rate CD - 2.00% APY 5-Year Fixed Rate CD - 2.00% APY 3-Month Fixed Rate CD - 0.05% APY
Checking	Rewards Checking: Up to 3.30% APY Cashback Checking: Up to 1% cashback
Money Market	0.25% APY
Mobile App	iOS & Android	iOS & Android
ATMs	approximately 91,000 partner ATMs	More than 65,000 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.
Customer Service	24/7	24/7 Live Customer Service (Telephone)
IRA CD
IRA Money Market
Locations	Online only	645 retail bank branches concentrated in the six key metropolitan areas of New York, Chicago, Los Angeles, San Francisco, Miami, and Washington, D.C.
	CreditDonkey® Reviews
Savings
CD
Checking
Mobile App
ATMs
Locations
Customer Service
Pros & Cons	Pros: 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 Line	Full-service online bank with excellent checking and savings... Read full review	Large national bank best for high balance customers... Read full review
	Basic Business Checking Axos ONE - Earn up to 4.21% APY Business Interest Checking - 1.01% APY
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 06/05/2026. Citibank: Pricing information from published website as of 06/29/2026. 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.

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 Bank of America.

In short: Axos Bank's savings and checking are notable. In particular, the checking is excellent.