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Citibank vs Axos Bank

Citibank is a large national bank best for high balance customers. How does it compare to Axos Bank? 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 Axos Bank offers a range of checking and savings products. Checking options includes a up-to 1% cashback account and rewards checking account with a higher interest rate. Savings options include savings accounts and CDs with higher-than-average rates. All accounts have no monthly service fees. Find out more

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

 
Member FDIC
Axos Bank
Member FDIC
 Learn MoreVisit Site
 

Citibank

Axos Bank

OFFER
Checking with Enhanced Direct Deposit - $300 Cash Bonus

Read Citibank Review

SPECIAL OFFER
Rewards Checking - Up to 3.30% APY - Learn More

Read Axos Bank 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.
0.61% APY (balances under $25k); 0.25% APY ($25K-$100K); 0.15% APY ($100k and over)
CD
Check
0.20% APY. Terms of 3 months to 5 years. $1,000 minimum
Checking
Check
Rewards Checking: Up to 3.30% APY
Cashback Checking: Up to 1% cashback
Money Market
Check
0.25% APY
Mobile App 
iOS & Android
ATMsMore 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.Approximately 91,000 partner ATMs
Customer Service24/7 Live Customer Service (Telephone)
24/7
IRA CD
Check
 
IRA Money Market
Check
 
LocationsMore than 700 Citibank branches (concentrated in New York, Chicago, Los Angeles, San Francisco, Washington DC and Miami)
Online only
 

CreditDonkey® Reviews

 Axos Bank
SavingsStarStarStarEmpty StarEmpty StarStarStarStarStarHalf Star
CDStarStarStarEmpty StarEmpty StarStarStarStarEmpty StarEmpty Star
CheckingStarStarStarEmpty StarEmpty StarStarStarStarStarStar
Mobile AppStarStarStarStarHalf StarStarStarStarStarHalf Star
Customer ServiceStarStarStarStarEmpty Star
Money MarketStarStarStarStarHalf Star
ATMsStarStarStarStarHalf Star
LocationsStarStarEmpty StarEmpty StarEmpty Star
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:
  • Checking with rewards
  • No monthly fee
  • Domestic ATM rebates
Cons:
  • Low CD rates
  • No physical branches
Bottom LineLarge national bank best for high balance customers... Read full reviewFull-service online bank with excellent cashback and interest checking... 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.

    Axos Bank: Pricing information from published website as of 04/10/2024.

    Axos Bank
    Member FDIC

    Rewards Checking - Up to 3.30% APY

    Expires 6/30/2024
    • Use promo code AXOS300 and apply by June 30th, to earn up to a $300 bonus!
    • Up to 3.30% APY
    • Zero monthly maintenance fees
    • Zero overdraft or NSF fees
    • Zero minimum monthly balance reqs
    • Unlimited domestic ATM fee reimbursements
    • Online debit card management
    • Simple, 3-step process for direct deposit
    • Only $50 to open an account
    Axos Bank
    Member FDIC

    Basic Business Checking - Up to $400 Bonus

    Expires 6/30/2024
    • Business owners get up to $400 welcome bonus!*
    • Open a business checking account by June 30 and get up to $400 when you use promo code NEW400 on your application and maintain a minimum average daily balance of $50,000.*
    • Zero opening deposit and cash deposits accepted
    • Zero minimum monthly balance requirements
    • Two domestic wire reimbursements monthly
    • Unlimited domestic ATM fee reimbursements
    • Enhanced Visa benefits and first 50 checks free
    • Dedicated relationship manager and more
    Axos Bank
    Member FDIC

    CashBack Checking - Earn up to 1.00% Cash Back

    • Earn up to 1.00% cash back on signature-based purchases
    • Unlimited domestic ATM fee reimbursement
    • No monthly maintenance fee
    • $50 minimum balance required to open account

    Which is Better: Citibank or Axos Bank?

    Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Citibank or Chase.

    In short: Axos Bank's savings and checking are notable. In particular, the checking is excellent.


    Articles on Citibank

    Citibank

    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 Open 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 Accelerate 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 Axos Bank

    Axos Bank Review

    Axos Bank offers full-service banking completely online with no fees. Find out below whether they can replace your traditional bank account.

    Axos Business Checking

    Looking for affordable banking for your small business? Axos Bank offers a free business checking account or an interest-bearing account. Read on.

    Is Axos Bank Safe

    Is Axos Bank safe and legit? Find out if Axos is a good bank and learn more about its pros, cons, and common complaints.

    Which Do You Think is Best?





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