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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 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
Member FDIC
Member FDIC
 Visit SiteLearn More
 

Axos Bank

Citibank

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

Read Axos Bank Review

OFFER
Checking with Enhanced Direct Deposit - $300 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)
  • 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.
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
Check
Money Market
0.25% APY
Check
Mobile App
iOS & Android
 
ATMsApproximately 91,000 partner ATMsMore 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.
Customer Service
24/7
24/7 Live Customer Service (Telephone)
IRA CD 
Check
IRA Money Market 
Check
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

 Axos Bank
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 06/14/2024.

    Citibank: Pricing information from published website as of 06/13/2024. 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

    Expires 6/30/2024
    • Use the promo code AXOS300 when you apply for a Rewards Checking account by June 30th, 2024. Then have qualifying direct deposits to earn up to a $300 bonus!†
    • Build your own APY with up to 3.30% APY*
    • Zero monthly maintenance fees
    • Zero overdraft or NSF fees
    • Zero minimum monthly balance reqs
    • No initial deposit requirement
    • Unlimited domestic ATM fee reimbursements
    • Online debit card management
    • Simple, 3-step process for direct deposit
    Axos Bank
    Member FDIC

    Basic Business Checking - Up to $400 Bonus

    Expires 6/30/2024
    • Business owners get up to $400 welcome bonus!*
    • Open a business checking account by June 30 and get up to $400 when you use promo code NEW400 on your application.*
    • No initial deposit requirement
    • No minimum balance requirement
    • No monthly maintenance fees
    • Free domestic incoming wires. Two (2) outgoing domestic wire fees reimbursed per month.
    • Unlimited domestic ATM fee reimbursements
    • Unlimited item processing (debits, credits, and deposited items)
    • Cash deposits via MoneyPass and AllPoint networks
    Axos Bank
    Member FDIC

    CashBack Checking - Earn up to 1.00% Cash Back

    • Earn up to 1.00% cash back on signature-based purchases
    • Unlimited domestic ATM fee reimbursement
    • No monthly maintenance fee
    • $50 minimum balance required to open account

    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.

    Axos Business Checking

    Looking for affordable banking for your small business? Axos Bank offers a free business checking account or an interest-bearing account. Read on.

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

    Citibank Open Account

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

    Citi Savings Account Interest Rate

    Citibank boasts two savings accounts with varying rates and low fees. But which one should you open? Read on for all the details.

    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?





    Which Bank Account is Right for You?


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