Citibank vs Bluevine
Citibank is a large national bank best for high balance customers. How does it compare to Bluevine? 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 Bluevine offers one of the highest APYs on the market for its Business Checking account. You also get 5 free subaccounts, unlimited transactions, 2 free checkbooks a year, and additional users at no extra cost. There's no monthly fee.
Compare Citibank with Bluevine, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
Learn More | Visit Site | |
Citibank | Bluevine | |
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Checking with Enhanced Direct Deposit - $300 Cash Bonus | Free Business Checking - Up to 2.0% APY - | |
Benefits and Features | ||
Savings |
| No savings account, but you add 5 free sub accounts |
CD | ||
Checking | 4.25% APY for Premier customers, 2.0% APY for Bluevine Standard tier customers. No monthly fees, no balance requirements, and no overdraft fees for Bluevine Standard | |
Monthly Fee | Standard tier: $0 per month Premier tier: $95 per month (can be waived with $100k average daily balance and $5k debit card spend) | |
Money Market | ||
APY | 4.25% APY on balances up to $3M for Premier customers; 2.0% APY on balances up to $250,000 for Standard tier customers that meet monthly eligibility requirements | |
Minimum Deposit to Open | ||
ACH Transfer Fee | ||
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. | |
Balance Requirement | ||
Cash Deposit Fee |
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Customer Service | 24/7 Live Customer Service (Telephone) | Phone and email: Monday - Friday. 8 am to 8 pm EST |
Incoming Wire Transfer Fee | ||
IRA CD | ||
IRA Money Market | ||
Locations | More than 700 Citibank branches (concentrated in New York, Chicago, Los Angeles, San Francisco, Washington DC and Miami) | |
Out of Network ATM Fee | ||
Outgoing Wire Transfer Fee | ||
Overdraft Fee | ||
CreditDonkey® Reviews | ||
Savings | ||
CD | ||
Checking | ||
Mobile App | ||
Customer Service | ||
Fees | ||
Pros & Cons | Pros:
| Pros:
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Bottom Line | Large national bank best for high balance customers... | Free account with interest for basic business checking needs... |
Learn More | Visit 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 03/15/2024. 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. |
Free Business Checking - Up to 2.0% APY
- 2.0% APY on your balance up to $250,000 for customers that meet monthly eligibility requirements
- $0 minimum opening deposit
- $0 monthly service fee
Free Business Checking - Up to 2.0% APY
- 2.0% APY on balances up to $250,000 for eligible customers
- Unlimited transactions
- 5 free subaccounts with unique account numbers
- 2 free checkbooks per year
- $0 monthly service fee
Premier Business Checking - Up to 4.25% APY
- 4.25% APY on balances up to $3,000,000
- $0 minimum opening deposit
- 50% off most Standard payment fees
- Priority customer support
- Waive the $95 monthly service fee with $100k average daily balance and $5k debit card spend
Which is Better: Citibank or Bluevine?
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: Bluevine's checking is worth mentioning.