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 600 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.

	CitibankChaseBank of AmericaUS BankHSBCRobinhood Member FDIC
	Learn More	Visit Site
	Citibank	Acorns
	OFFER Citi Checking - $1,500 Bonus Read Citibank Review	SPECIAL OFFER $20 Investment Bonus - Learn More Read Acorns Review
	Benefits and Features
Savings	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. Citi® 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	9-Month Fixed Rate CD - 4.10% APY 6-Month Fixed Rate CD - 3.25% APY 1-Year Fixed Rate CD - 2.25% APY 5-Year Fixed Rate CD - 2.00% APY 3-Month Fixed Rate CD - 0.05% APY
Checking		Yes
Mutual Fund Trading		No
Money Market	CitiBusiness® Insured Money Market Account - 4.50% APY
Banking		Included in Acorns Bronze ($3/mo). Free metal debit card, no minimum balance, no overdraft fees, and 55,000+ fee-free ATMs nationwide.
Mobile App		iOS & Android
Locations	645 retail bank branches concentrated in the six key metropolitan areas of New York, Chicago, Los Angeles, San Francisco, Miami, and Washington, D.C.	No
	CreditDonkey® Reviews
Savings
CD
Checking
Mobile App
Customer Service
Annual Fee
Minimum Deposit
Ease of Use
Pros & Cons	Pros: 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 Line	Large national bank best for high balance customers... Read full review	Investment app that automatically invests your spare change. Good for young investors to get into the habit... Read full review
	Learn More	Visit Site
		$20 Investment Bonus Try Acorns Today! Acorns Invest: Invest Spare Change
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 12/03/2024. 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 11/29/2024.

$20 Investment Bonus

Get $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

Try Acorns Today!

Get Deal

Acorns Invest: Invest Spare Change

Automatically Save and Invest

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?

• Citibank vs Chase
• Citibank vs Bank of America
• Citibank vs US Bank

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

• Citibank vs HSBC

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.

• Acorns vs Stash
• Acorns vs Betterment
• Acorns vs Robinhood

Apps Like Acorns

Acorns is one of the best micro-investing apps out there. But is it for everyone? Read on to see some of your alternatives.

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

• Olivia Tabor from Texas
  on April 2019 said about Acorns:

  I have both Acorns and Robinhood and even though they each serve a different purpose I don't have the freedom of stock purchase that I really like. I believe Acorns diversifies for my needs more effectively.

Comments may be filtered for language. CreditDonkey makes no guarantee of comments' factual accuracy. These responses are not provided or commissioned by bank advertisers. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Visitors may report inappropriate content by clicking the Contact Us link.