Axos Bank vs Citizens Bank

Axos Bank is a full-service online bank with excellent checking and savings. How does it compare to Citizens Bank? 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 Citizens Bank has over 1,000 branches on the East Coast. It offers a wide range of banking products and services, as well as financial tools to keep you on track. The GoalTrack Savings program offers gift card incentives for reaching your savings goals.

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

	Axos Bank	Citizens Bank
	SPECIAL OFFER Basic Business Checking - Learn More Read Axos Bank Review	SPECIAL OFFER Personal Checking and Savings Account - $400 Bonus - Learn More Read Citizens Bank Review
	Benefits and Features
Savings	0.61% APY (balances under $25k); 0.25% APY ($25K-$100K); 0.15% APY ($100k and over)	Several types of Savings accounts. 0.01% APY. No minimum opening deposit. $4.99 monthly maintenance fee, unless you have a minimum daily balance of $200 in your account, or have a qualifying Citizens Bank checkings account.
CD	0.20% APY. Terms of 3 months to 5 years. $1,000 minimum	Several types of CD accounts. Terms ranging from 5 to 14 months. 3.10% - 3.90% APY. Some APY rates may require a qualifying Citizens Bank Checking Account. Minimum opening deposit $25,000 for 5-Month and 10-Month; $1,000 for 14-Month online CD.
Checking	Rewards Checking: Up to 3.30% APY Cashback Checking: Up to 1% cashback
Money Market	0.25% APY	Several types of Money Market accounts. 0.01% APY. No minimum opening deposit. Monthly maintenance fee of $10, unless you have a minimum daily balance of $2500. Other Money Market accounts have no monthly maintenance fee but require qualifying Citizens Bank Checking Account.
Mobile App	iOS & Android
ATMs	approximately 91,000 partner ATMs	3,300+ ATMs across 14 states
Customer Service	24/7	24/7 Telephone Customer Service
IRA CD		Terms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee.
Locations	Online only	1,000+ branches in 14 states
	CreditDonkey® Reviews
Savings
CD
Checking
Mobile App
ATMs
Locations
Fees
Customer Service
Pros & Cons	Pros: Checking with rewards No monthly fee Domestic ATM rebates Cons: Low CD rates No physical branches	Pros: High APY No monthly fees Cons: No physical branches No cash deposits
Bottom Line	Full-service online bank with excellent checking and savings... Read full review	Online savings account with an impressive rate and no fees... Read full review
	Basic Business Checking Axos ONE - Earn up to 4.21% APY Business Interest Checking - 1.01% APY	Personal Checking and Savings Account - $400 Bonus Personal Checking Account - $300 Bonus 10-Month CD - 3.90% 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. Citizens Bank: Pricing information from published website as of 06/26/2026 based on 10011 zip code.

Which is Better: Axos Bank or Citizens Bank?

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.