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Chase vs Citibank

Chase is a national bank with good promotions for new customers. How does it compare to Citibank? Read our comparison chart below.

Chase is one of the biggest banks in the nation with more than 4,700 branches and over 16,000 ATMs. They offer a variety of banking, loans and investing services.

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 Chase with Citibank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 ChaseCitibank
 Visit SiteLearn More
 

Chase

Citibank

SPECIAL OFFER
Chase Bank $200 Bonus - Learn More

Read Chase Review

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

Read Citibank Review

 

Benefits and Features

Savings
  • Chase Savings: $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account OR for owners under 18. $0 to open.
  • Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.
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.
CDTerms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Check
Checking
  • Chase Total Checking®
  • Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open.
  • Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open.
  • Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open.
  • Chase Private Client Checking: For high net worth individuals who have $250,000 on deposit with Chase.
Citi Priority Account
Money Market 
Check
Customer Service 24/7 Live Customer Service (Telephone)
ATMs
16,000+ Chase ATMs
More than 70,000 fee-free ATMs at Citi branches and participating retail locations nationwide, including Target, CVS Pharmacy, Rite aid, Walgreens, Duane Reade and ATMs displaying Allpoint or MoneyPass logo.
IRA CD 
Check
IRA Money Market 
Check
Locations
Over 4,700
More than 700 Citibank branches (concentrated in New York, Chicago, Los Angeles, San Francisco, Washington DC and Miami)
 

CreditDonkey® Reviews

 ChaseCitibank
SavingsStarStarStarHalf StarEmpty StarStarStarStarEmpty StarEmpty Star
CheckingStarStarStarStarEmpty StarStarStarStarEmpty StarEmpty Star
Customer ServiceStarStarStarStarEmpty StarStarStarStarStarEmpty Star
Mobile AppStarStarStarStarStarStarStarStarStarHalf Star
CDStarStarStarEmpty StarEmpty Star
Pros & ConsPros:
  • More than 4,700 branches
  • New customer coupons
  • Full service banking
Cons:
  • Low interest rates
  • Not in all states
Pros:
  • Perks for high balance customers
  • Many fee-free ATMs
  • Global presence
Cons:
  • No free checking option
  • Higher balance requirements
  • Low savings APY
Bottom LineNational bank with good promotions for new customers... Read full reviewLarge national bank best for high balance customers... Read full review
 Visit SiteLearn More

    Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

    Chase: Pricing information and data points from published website as of 12/17/2020

    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.

    Chase
    Member FDIC

    Chase Total Checking® - $200 Bonus

    Expires 1/25/2023
    • New Chase checking customers enjoy a $200 bonus when you open a Chase Total Checking® account and set up direct deposit
    • Access to more than 16,000 Chase ATMs and more than 4,700 branches
    • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
    • Open your account online now
    • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
    • Chase Overdraft Assist℠ - no overdraft fee if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*

    *With Chase Overdraft Assist℠, we won't charge an Insufficient Funds Fee if you're overdrawn by $50 or less at the end of the business day OR if you're overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.

    Chase
    Member FDIC

    Chase Secure Banking℠ - $100 Bonus

    Expires 1/25/2023
    • New Chase checking customers enjoy $100 when you open a Chase Secure Banking℠ account with qualifying transactions.
    • No minimum deposit to open an account and get started.
    • No paper checks to track and no Chase fees on money orders or cashier's checks.
    • Pay bills, cash checks and send money with Zelle® all for a $4.95 monthly service fee.
    • No overdraft fees with a Chase debit card that helps you stay within your balance.
    • Bank from anywhere with access to more than 16,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase Online℠.
    • Get more for your money. Chase Secure Banking℠ customers told us they save an average of $50 a month on fees after opening their account.
    • Open an account online or in person at any Chase branch.
    Chase
    Member FDIC

    Chase Business Complete Banking℠ - $300 Bonus

    Expires 2/16/2023
    • Earn $300 when you open a new Chase Business Complete Checking℠ account. For new Chase business checking customers with qualifying activities.
    • Multiple ways to waive the Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink® Business credit card.
    • Built-in card acceptance. Accept card payments anytime, anywhere in the U.S., and get transparent pricing with Chase QuickAccept℠.
    • Same-day deposits with QuickAccept. Free up the cash you need to keep your business moving forward with same-day deposits at no additional cost.
    • Alerts to help you stay on top of your account activity.
    • Easy account management through Chase Business Online and the Chase Mobile® app.
    • Unlimited electronic deposits, ACH and Chase QuickDeposit℠
    • Convenient access to more than 16,000 ATMs and more than 4,700 branches.
    Citibank

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

    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.
    Citibank

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

    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 LevelsMaximum 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: Chase 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 Chase or US Bank.

    In short: Chase's checking is worth mentioning.


    Articles on Chase

    Chase Bank

    Chase has new customer bonuses and a strong nationwide presence. But there are drawbacks. Read this review to see if Chase is a good bank for you.

    Open a Chase Account

    Opening an account with Chase Bank is simple. Take a look at what you'll need and check out your account options in our guide.

    Chase Bank Offers

    What promotions does Chase have right now? Find out how much you can earn and how to qualify for the latest Chase bank promotions.

    Chase Total Checking Bonus

    Chase Total Checking is offering $200 for opening a new account. Find out how to qualify for the bonus below.

    Chase Business Checking Coupon

    Right now, Chase Business Complete Banking is offering a $300 bonus for new customers. Find out how to get this business checking promotion.

    Chase Secure Banking Coupon

    Earn $100 when you open a Chase Secure Banking℠ with qualifying activities. Here's how to grab the special offer.

    How to Open a Chase Business Bank Account

    Opening a Chase business banking account is easy. Check out what you'll need and your business checking options in this guide.

    Chase Routing Number

    What is Chase Bank's routing number? It depends on the state. Find the correct routing number for your Chase account (even without a check).

    Chase Business Complete Banking Review

    Chase Business Complete Banking offers an all-in-one account with business checking and credit card processing. Is it right for you?

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

    Citi Priority Account Bonus

    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.

    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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