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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 | |
|---|---|---|
Capital One 360 Checking - $25 Offer - | Citi Account Package - $400 Bonus - | |
Benefits and Features | ||
| Savings | 1% APY. No monthly service fee and no minimum deposit. | 0.03% APY. No minimum deposit. $4.50 monthly fee unless you maintain an average monthly balance of $500. |
| CD | 0.60% to 2.30% APY. Terms of 6 months to 5 years. 12-month CD APY of 2.30%. No deposit to open. | 0.05% - 2.00% 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 | 0.20% APY under $50,000; 0.75% APY $50,000 or more; 1.00% APY $100,000 or more. No monthly service fee and no minimum deposit. Overdraft options prevent you from being charged when you accidentally overdraw | |
| Money Market | 0.85% APY up to $9,999.99; 2.00% APY $10,000 or more. No monthly service fee and no minimum deposit. | A.k.a 'Savings Plus' Account. 0.01% - 0.10% APY. Minimum opening deposit $100. |
| Customer Service | 24/7 Live Customer Service (Telephone) | |
| ATMs | Over 39,000 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 | 0.60% to 2.30% APY. Terms of 6 months to 5 years. 12-month CD APY of 2.30%. | Can convert an IRA to a regular CD account. 0.05% - 2.00% 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 | ||
| Savings |    | |
| Checking | | |
| Money Market | | |
| Customer Service | | |
| Mobile App | | |
| CD | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Good online bank with access to in-person support... | Large national bank best for high balance customers... |
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 9/16/2019. Citibank: Pricing information from published website as of 9/16/2019. | ||
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
Articles on Citibank
Citibank Review
Citibank Routing Number
Which Do You Think is Best?
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