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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

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Benefits and Features

Savings1.80% APY. No monthly service fee and no minimum deposit.0.04% APY. No minimum deposit. $4.50 monthly fee unless you maintain an average monthly balance of $500.
CD0.60% to 2.10% APY. Terms of 6 months to 5 years. 12-month CD APY of 2.10%. No deposit to open.0.05% - 1.75% 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.
Checking0.20% APY under $50,000; 0.50% APY $50,000 or more; 0.75% 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 Market0.85% APY up to $9,999.99; 1.70% 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
Mon-Sun: 8am - 11pm (ET)
24/7 Live Customer Service (Telephone)
ATMsOver 39,000 no-fee Capital One & Allpoint ATMs2400 ATMs across the country. Citibank also works at all MoneyPass ATMs, which means access to over 60,000 no-fee ATMs.
IRA CD0.60% to 2.10% APY. Terms of 6 months to 5 years. 12-month CD APY of 2.10%.Can convert an IRA to a regular CD account. 0.05% - 1.75% 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 & ConsPros:
  • 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 LineGood online bank with access to in-person support... Read full reviewLarge national bank best for high balance customers... Read full review

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 11/15/2019.

Citibank: Pricing information from published website as of 11/15/2019.

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


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? Keep reading 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?

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