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Citibank vs Acorns

Citibank is a large national bank best for high balance customers. How does it compare to Acorns? Read our comparison chart below.

Citibank has over 700 branches across the United States. 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.

While Acorns is geared towards young investors who have trouble saving. This investment app automatically rounds up and invests your spare change whenever you make a purchase. The service fee starts at $3/month for accounts. There is no minimum to open.

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

 
Member FDIC
Acorns
 Learn MoreVisit Site
 

Citibank

Acorns

OFFER
Checking with Enhanced Direct Deposit - $300 Cash Bonus

Read Citibank Review

SPECIAL OFFER
$20 Investment Bonus - Learn More

Read Acorns Review

 

Benefits and Features

Savings
  • 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.
  • CitiĀ® Savings: Available in CA, CT, DC, MD, NV, NJ, NY, VA, and select markets in Florida and Illinois.
No
Stock Trading Part of service fee. No add-on trading fees.
Options Trading 
No
CD
Check
 
Checking
Check
Yes
Mutual Fund Trading 
No
Money Market
Check
 
Banking Included in Acorns Personal ($3/mo). Free metal debit card, no minimum balance, no overdraft fees, and 55,000+ fee-free ATMs nationwide.
Mobile App 
Yes
LocationsMore than 700 Citibank branches (concentrated in New York, Chicago, Los Angeles, San Francisco, Washington DC and Miami)
No
 

CreditDonkey® Reviews

 Acorns
SavingsStarStarStarEmpty StarEmpty Star
CDStarStarStarEmpty StarEmpty Star
CheckingStarStarStarEmpty StarEmpty Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarHalf Star
Customer ServiceStarStarStarStarEmpty StarStarStarStarEmpty StarEmpty Star
Annual FeeStarStarStarEmpty StarEmpty Star
Minimum DepositStarStarStarStarStar
Ease of UseStarStarStarStarStar
Pros & ConsPros:
  • Perks for high balance customers
  • Many fee-free ATMs
  • Global presence
Cons:
  • No free checking option
  • Higher balance requirements
  • Low savings APY
Pros:
  • No minimum to open account
  • Invest with spare change
  • Cash-back program
Cons:
  • Fees are high for small balances
  • No tax benefits
  • Limited investment options
Bottom LineLarge national bank best for high balance customers... Read full reviewInvestment app that automatically invests your spare change. Good for young investors to get into the habit... Read full review
 Learn MoreVisit Site

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

    Citibank: Pricing information from published website as of 04/09/2024. 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.

    Acorns: Pricing information from published website as of 09/28/2020.

    Acorns

    $20 Investment Bonus

    • Open an Acorns account (new users only)
    • Set up the Recurring Investments feature
    • Have your first investment be made successfully via the Recurring Investments feature

    Which is Better: Citibank or Acorns?

    In short: Citibank's customer service is noteworthy.


    Articles on Citibank

    Citibank Review

    Citibank 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 Citi Account

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

    Citi Savings Account Interest Rate

    Citibank boasts two savings accounts with varying rates and low fees. But which one should you open? Read on for all the details.

    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.

    Articles on Acorns

    Acorns App

    Acorns automatically invests your spare change. But can it help make you money? Find out if this app is safe and legit.

    Is Acorns Safe

    Acorns lets you invest spare change from every purchase. But is it safe to use? Learn just how secure the micro-investing app is.

    How to Make Money Using Acorns

    Acorns "rounds up" everyday purchases and invests it for you. What's the catch? Read this review to find out how to make money using the app.

    Comments

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