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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 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 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.

 
Member FDIC
Bluevine
 Learn MoreVisit Site
 

Citibank

Bluevine

OFFER
Citi Checking - $1,500 Bonus

Read Citibank Review

SPECIAL OFFER
Free Business Checking - Earn $300 Bonus - Learn More

Read Bluevine 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 savings account, but you add 5 free sub accounts
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
Check
4.0% APY for Premier customers, 3.0% APY for Plus customers, 1.5% 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
Plus Tier: $30 per month (can be waived with $20k average daily balance and $2k debit card spend)
Premier tier: $95 per month (can be waived with $100k average daily balance and $5k debit card spend)
Money Market
  • CitiBusiness® Insured Money Market Account - 4.50% APY
 
APY 4.0% APY on balances up to $3M for Premier customers; 3.0% APY on balances up to $250,000 for Plus customers; 1.5% APY on balances up to $250,000 for Standard tier customers that meet monthly eligibility requirements
Minimum Deposit to Open 
$0
ACH Transfer Fee 
$0
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 40,000 MoneyPass ATMs
Balance Requirement 
None
Cash Deposit Fee $4.95 per deposit at Green Dot locations or $1 + 0.5% of the deposit amount at Allpoint+ ATMs
Customer Service24/7 Live Customer Service (Telephone)Phone and email: Monday - Friday. 8 am to 8 pm EST
Incoming Wire Transfer Fee 
$0
IRA CD
Check
 
IRA Money Market
Check
 
Locations645 retail bank branches concentrated in the six key metropolitan areas of New York, Chicago, Los Angeles, San Francisco, Miami, and Washington, D.C.
Online only
Out of Network ATM Fee 
$2.50
Outgoing Wire Transfer Fee $15 ($12 for Plus; $7.50 for Premier)
Overdraft Fee 
$0
 

CreditDonkey® Reviews

 Bluevine
SavingsStarStarStarEmpty StarEmpty Star
CDStarStarStarEmpty StarEmpty Star
CheckingStarStarStarEmpty StarEmpty StarStarStarStarStarHalf Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarHalf Star
Customer ServiceStarStarStarStarEmpty StarStarStarStarHalf StarEmpty Star
FeesStarStarStarStarStar
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:
  • High interest rate
  • $0 monthly fee
  • 2 free checkbooks
Cons:
  • Fees to deposit cash
  • No physical branches
Bottom LineLarge national bank best for high balance customers... Read full reviewFree account with interest for basic business checking needs... 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 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.

    Bluevine

    Free Business Checking - Earn $300 Bonus

    Expires 12/31/2024

    To earn the $300 bonus, customers must apply for a Bluevine Business Checking account anytime between now and 12/31/2024 using the referral code CD300.

    After opening the account, customers must add funds within 30 days, then meet at least one of the following eligibility requirements every 30 days for the next 90 days from account funding:

    • Deposit at least $5,000 from eligible merchant services to your Bluevine account OR
    • Make at least $5,000 of outbound payroll payments from your Bluevine account using eligible payroll providers OR
    • Spend at least $2,000 with your Bluevine Business Debit Mastercard® and/or Bluevine Business Cashback Mastercard®

    Banking services provided by Coastal Community Bank, Member FDIC

    Bluevine

    Free Business Checking - Up to 1.5% APY

    • 1.5% APY on your balance up to $250,000 for customers that meet monthly eligibility requirements
    • $0 minimum opening deposit
    • $0 monthly service fee
    Banking services provided by Coastal Community Bank, Member FDIC
    Bluevine

    Free Business Checking - Up to 1.5% APY

    • 1.5% 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
    Banking services provided by Coastal Community Bank, Member FDIC

    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.


    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?

    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 Bluevine

    Bluevine Business Checking Review

    Bluevine offers free business checking with a high interest rate. But what's the catch? Is it right for your business? Read on for the full review.

    Is Bluevine Safe

    Bluevine provides banking products for small business owners in the digital age. But is it safe and legit? Read on to find out.

    Bluevine Alternatives

    Bluevine offers a high APY and no monthly fees. But it has limitations. Find out if one of these business checking alternatives is better for you instead.

    Which Do You Think is Best?





    Which Bank Account is Right for You?


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