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 OneChaseDiscover BankTD BankHSBCUS Bank
	Capital One	Citibank
	SPECIAL OFFER 360 Performance Savings - 2.15% APY - Learn More Read Capital One Review	OFFER Citi Priority Account - Earn up to $2,000 Cash Bonus Read Citibank Review
	Benefits and Features
Savings	2.15% 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	2.00% to 3.50% APY. Terms of 6 months to 5 years. 12-month CD APY of 3.25%
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	2.00% to 3.50% APY. Terms of 6 months to 5 years. 12-month CD APY of 3.25%.
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
	360 Performance Savings - 2.15% APY Basic Business Checking Business Savings
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 10/01/2022. 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 - Earn up to $2,000 Cash Bonus

Learn More

Expires 1/9/2023

• Earn up to $2,000 cash bonus when you open a new eligible Citi Priority Checking Account with required activities
• Within 20 days of opening, deposit the minimum amount of new-to-Citibank funds.
• Maintain a minimum balance for 60 consecutive calendar days from the 21st day.
• If your balance falls to a lower tier at any point during the maintenance period, the bonus changes.
• Bonus will be paid within 30 days after you successfully complete all required activities.

Citi Priority Account - Earn up to $2,000 Cash Bonus

Learn More

Expires 1/9/2023

Earn up to $2,000 cash bonus when you open a new eligible Citi Priority Checking Account with required activities. Within 20 days of opening, deposit the minimum amount of new-to-Citibank funds. Maintain a minimum balance for 60 consecutive calendar days from the 21st day. If your balance falls to a lower tier at any point during the maintenance period, the bonus changes. Bonus will be paid within 30 days after you successfully complete all required activities.

Balance Levels	Maximum Bonus
$10,000 - $29,999	$200
$30,000 - $74,999	$500
$75,000 - $199,999	$1,000
$200,000 - $299,999	$1,500
$300,000 and above	$2,000

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.

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Capital One Money Teen Checking Account Review

Is Capital One a good bank for your teenager? Here are the pros, cons, and fees of a Capital One Money Teen Checking account.

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Capital One Bank Hours

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

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

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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?

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Open Citibank Account

Opening a Citi bank account is easy. Take a look at what you'll need, plus find out how to earn up to $2,000 bonus

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Citi Priority Account

Earn up to $2,000 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.

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