Citibank vs TD Ameritrade

Citibank is a large national bank best for high balance customers. How does it compare to TD Ameritrade? 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 TD Ameritrade offers $0 commission online stock, ETF, and option trades. This online broker also has more than 100 branch locations. There is no minimum deposit, no maintenance fee, and no inactivity fee.

Compare Citibank with TD Ameritrade, side-by-side.

	Citibank	TD Ameritrade
	OFFER Citi Checking - $1,500 Bonus Read Citibank Review	OFFER Commission-Free Trading - Online Stock, ETF and Option Trades - Learn More
	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.
Stock Trading		$0 commission for online stock, ETF, and option trades
Options Trading		$0.65 per contract
CD	6-Month Fixed Rate CD - 3.00% APY 9-Month Fixed Rate CD - 3.00% APY 5-Year Fixed Rate CD - 2.00% APY 1-Year Fixed Rate CD - 0.10% APY 3-Month Fixed Rate CD - 0.05% APY
Checking
Mutual Fund Trading		Up to $49.95 or $74.95 for buys. $0 for sells
Money Market
Banking		Cash Management account offers free ATM withdrawals, no monthly maintenance fees, free online bill pay, and free check writing.
Mobile App	iOS & Android	Yes
Forex Trading		Yes
Futures Trading		$2.25 per contract (plus exchange & regulatory fees)
Customer Service	24/7 Live Customer Service (Telephone)	(800) 669-3900 (Open 24/7)
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.	More than 100 locations in 34 states
	CreditDonkey® Reviews
Savings
CD
Checking
Mobile App
Customer Service
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
Bottom Line	Large national bank best for high balance customers... Read full review
		Commission-Free Trading - Online Stock, ETF and Option Trades Open an IRA in 15 minutes or less
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 05/07/2025. 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. TD Ameritrade: Pricing information from published website as of 09/05/2023.

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