Capital One vs Citibank

Capital One is a good online bank with access to in-person support. How does it compare to Citibank? Read our comparison chart below.

Capital One offers competitive rates on their savings account. Their interest checking has several overdraft options in cases of accidental overdraw. There are no minimum deposits or service fees.

While Citibank has 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 Capital One with Citibank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Capital One	Citibank
	SPECIAL OFFER Current Promotion - Learn More Read Capital One Review	SPECIAL OFFER Citigold Package - $1,500 Bonus - Learn More Read Citibank Review
	Benefits and Features
Savings	1.00% APY	0.04% - 0.15% APY. No minimum deposit. $4.50 monthly fee unless you maintain an average monthly balance of $500.
CD	0.25% to 1.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 0.50%	0.10% - 0.40% 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.
Checking	0.10% APY
Money Market		A.k.a 'Savings Plus' Account. 0.01% - 0.10% APY. Minimum opening deposit $100.
Customer Service	Mon-Sun: 8am - 11pm (ET)	24/7 Live Customer Service (Telephone)
ATMs	Over 40,000 no-fee Capital One & Allpoint 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	0.25% to 1.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 0.50%.	Can convert an IRA to a regular CD account. 0.10% - 0.40% 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	Online Only	700 Citibank branches across 13 states (mostly in California and New York)
	CreditDonkey® Reviews
Savings
Checking
Money Market
Customer Service
Mobile App
CD
Pros & Cons	Pros: Overdraft protection options No account minimums 27 Capital One cafes for in-person support Cons: Lower savings APY compared to other online banks	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	Good online bank with access to in-person support... Read full review	Large national bank best for high balance customers... Read full review
	Current Promotion Online CDs Refer a Friend Program - $20 for Each Referral	Citigold Package - $1,500 Bonus Citi Priority Package - $700 Bonus Citi Account Package - $400 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Capital One: Pricing information from published website as of 07/8/2020. Citibank: Pricing information from published website as of 07/08/2020.

Which is Better: Capital One or Citibank?

Still need help deciding which bank is better? Read the in-depth reviews below. You may also be interested in comparing Capital One or Chase.

In short: Capital One's checking is outstanding.

Articles on Capital One

Capital One 360 Review

Capital One 360 checking and savings accounts are free to open and offer higher-than-average APY rates. Does this popular web bank live up to its claims? Find out if it's right for you.

Capital One Routing Number

What is the routing number for Capital One? Find the right one for your account with our guide.

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? You'll need the right routing number. Find your Citibank routing number and learn about money transfers below.

Which Do You Think is Best?

Find Your Routing Number on a Check

Your routing number is the 9 digit code on the bottom of your check. Don't use the wrong number. Find the correct routing number for your bank.

CIT Bank Review: Is It Good?

CIT Bank offers a high interest rate. But is it safe? Read this review to find out if what you heard is true.

Compare Capital One to:

You might also be interested in


	Chase Total Checking Bonus Need a new checking account? You can get $200 from Chase Bank for signing up for a Total Checking account with direct deposit. Here's how to do it.

Compare Citibank to:

Next Page: Capital One 360

Capital One vs Citibank

Benefits and Features

CreditDonkey® Reviews