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 over 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 Personal Savings Account - $150 Bonus - Learn More Read Capital One Review	OFFER Citi Priority Account - Up to $1,500 Cash Bonus Read Citibank Review
	Benefits and Features
Savings	0.70% APY	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.
CD	0.60% to 2.50% APY. Terms of 6 months to 5 years. 12-month CD APY of 1.30%
Checking	0.10% APY	Citi Priority Account: 0.01% Annual Percentage Yield
Money Market
Customer Service	Mon-Sun: 8am - 11pm (ET)	24/7 Live Customer Service (Telephone)
ATMs	Over 40,000 no-fee Capital One & Allpoint ATMs	More than 65,000 fee-free ATMs at Citibank branches and participating retail locations nationwide, including Target, CVS Pharmacy, Rite aid, Walgreens, Duane Reade and ATMs displaying Allpoint or MoneyPass logo.
IRA CD	0.60% to 2.50% APY. Terms of 6 months to 5 years. 12-month CD APY of 1.30%.
IRA Money Market
Locations	Online Only	More than 700 Citibank branches (concentrated in New York, Chicago, Los Angeles, San Francisco, Washington DC and Miami)
	CreditDonkey® Reviews

Savings
Checking
Money Market
Customer Service
Mobile App
CD
Pros & Cons	Pros: Overdraft protection options No account minimums 27 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

	Personal Savings Account - $150 Bonus Personal Savings Account - $450 Bonus Personal Checking Account - $250 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 5/21/2022. Citibank: Pricing information from published website as of 09/15/2021. 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. Citibank: 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.

Citi Priority Account - Up to $1,500 Cash Bonus

Apply Now

Expires 7/17/2022

Earn up to $1,500 cash bonus when you open a new account with required activities
Open a new eligible checking account in the Citi Priority Account during the offer period 1/5/22-7/17/22
Within 20 days of opening, deposit $50,000 in New-To Citibank funds between the new checking and savings accounts
Maintain a minimum balance of $50,000 in the checking account for an additional 60 consecutive calendar days from the 21st day
After all required activities are met, the cash bonus will be deposited to your account within 90 calendar days

Which is Better: Capital One 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 Capital One or Chase.

In short: Capital One's checking is outstanding.

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