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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 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.

 Citibank
 Learn MoreLearn More
 

Capital One

Citibank

SPECIAL OFFER
Personal Checking Account - $100 Bonus - Learn More

Read Capital One Review

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

Read Citibank Review

 

Benefits and Features

Savings
0.40% APY
CitiĀ® 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.
CD0.10% to 1.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 0.20%
Check
Checking
0.10% APY
Citi Priority Account: 0.03% Annual Percentage Yield (APY)
Money Market 
Check
Customer Service
Mon-Sun: 8am - 11pm (ET)
24/7 Live Customer Service (Telephone)
ATMsOver 40,000 no-fee Capital One & Allpoint ATMsMore 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 CD0.10% to 1.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 0.20%.
Check
IRA Money Market 
Check
Locations
Online Only
More than 700 Citibank branches (concentrated in New York, Chicago, Los Angeles, San Francisco, Washington DC and Miami)
 

CreditDonkey® Reviews

 Citibank
SavingsStarStarStarHalf StarEmpty StarStarStarStarEmpty StarEmpty Star
CheckingStarStarStarStarStarStarStarStarEmpty StarEmpty Star
Money MarketStarStarStarStarEmpty Star
Customer ServiceStarStarStarStarHalf StarStarStarStarStarEmpty Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarHalf Star
CDStarStarStarEmpty StarEmpty Star
Pros & ConsPros:
  • 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 LineGood online bank with access to in-person support... Read full reviewLarge national bank best for high balance customers... Read full review
 Learn MoreLearn More

    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 11/26/2021.

    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.

    Citibank

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

    Expires 1/4/2022
    • 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 10/5/21-1/4/22
    • 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.


    Articles on Capital One

    Capital One 360

    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 Bank Hours

    Capital One Bank is open 6 days a week. Take a look at their operating hours.

    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, a CreditDonkey partner, offers banking services and credit cards. But service fees and balance requirements are on the high side. Is it the right bank for you?

    Open Citibank Account

    Opening a Citibank account is easy. Take a look at what you'll need, plus find out how to earn up to $1,500 bonus.

    Citi Priority Account

    Earn up to $1,500 for opening a Citi Priority Account with required activities. Find out how to take advantage of the huge cash bonus.

    Citibank High Yield Savings

    Citi now offers high-yield savings with one of the best interest rate. But it's only available in select markets. Read this review to see if it's good for you.

    Citibank Routing Number

    Looking to transfer money in or out of your Citibank checking or savings account? Find your Citibank routing number and learn about money transfers below.

    Which Do You Think is Best?





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    CreditDonkey is a bank comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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