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Axos Bank vs Citibank


 Axos Bank
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Axos Bank

Citibank

SPECIAL OFFER
High Yield Savings and Essential Checking - $100 Bonus - Learn More

Read Axos Bank Review

SPECIAL OFFER
Citi Accelerate Savings Account - 0.50% APY - Learn More

Read Citibank Review

 

Benefits and Features

Savings<$25K 0.61% APY; $25K-$100K - 0.25% APY; >$100K - 0.15% 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 Market0.25% 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
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:
  • 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 06/12/2021.


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.

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? Find your Citibank routing number and learn about money transfers below.

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