Citibank vs Chase

Citibank is a large national bank best for high balance customers. How does it compare to Chase? Read our comparison chart below.

Citibank has over 700 branches across the U.S. Accounts must be opened as a checking & savings package. 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 Chase is one of the biggest banks in the nation with more than 4,700 branches and over 16,000 ATMs. They offer a variety of banking, loans and investing services.

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

	Citibank	Chase


	OFFER Citi Priority Account - Up to $1,500 Cash Bonus Read Citibank Review	SPECIAL OFFER Chase Bank $225 Bonus - Learn More Read Chase 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.	Chase Savings: $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account OR for owners under 18. $0 to open. Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.
CD		Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Checking	Citi Priority Account: 0.01% Annual Percentage Yield	Chase Total Checking® Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open. Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open. Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open. Chase Private Client Checking: For high net worth individuals who have $250,000 on deposit with Chase.
Money Market
Customer Service	24/7 Live Customer Service (Telephone)
ATMs	More than 65,000 fee-free ATMs at Citibank branches and participating retail locations nationwide, including Target, CVS Pharmacy, Rite aid, Walgreens, Duane Reade and ATMs displaying Allpoint or MoneyPass logo.	16,000 Chase ATMs
IRA CD
IRA Money Market
Locations	More than 700 Citibank branches (concentrated in New York, Chicago, Los Angeles, San Francisco, Washington DC and Miami)	Over 4,700
	CreditDonkey® Reviews

Savings
CD
Checking
Customer Service
Mobile App
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: More than 4,700 branches New customer coupons Full service banking Cons: Low interest rates Not in all states
Bottom Line	Large national bank best for high balance customers... Read full review	National bank with good promotions for new customers... Read full review

		Chase Bank $225 Bonus Chase Business $300 Bonus Chase Bank $100 Bonus
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 09/15/2021. 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. Chase: Pricing information and data points from published website as of 12/17/2020 Citibank: 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.

Citi Priority Account - Up to $1,500 Cash Bonus

Apply Now

Expires 7/17/2022

Earn up to $1,500 cash bonus when you open a new account with required activities
Open a new eligible checking account in the Citi Priority Account during the offer period 1/5/22-7/17/22
Within 20 days of opening, deposit $50,000 in New-To Citibank funds between the new checking and savings accounts
Maintain a minimum balance of $50,000 in the checking account for an additional 60 consecutive calendar days from the 21st day
After all required activities are met, the cash bonus will be deposited to your account within 90 calendar days

Member FDIC

Chase Total Checking® - $225 Bonus

Get $225 Coupon

Expires 4/20/2022

New Chase checking customers enjoy a $225 bonus when you open a Chase Total Checking® account and set up direct deposit
Access to 16,000 Chase ATMs and more than 4,700 branches
Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
Open your account online now
Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
Overdraft Services - no fee if you're overdrawn by $50 or less at the end of the business day*
*We charge a $34 Insufficient Funds Fee per item during our nightly processing beginning with the first item that overdraws your account balance by more than $50 (maximum of 3 fees per business day, up to $102).

Member FDIC

Chase Business Complete Banking℠ - $300 Bonus

Get $300 Coupon

Expires 4/21/2022

Earn $300 when you open a new Chase Business Complete Checking account. For new Chase business checking customers with qualifying activities.
More ways to waive fees. Multiple options to waive the Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink® Business credit card
Built-in card acceptance. Accept card payments anytime, anywhere in the U.S., and get transparent pricing with Chase QuickAccept℠.
Same-day deposits with QuickAccept℠. Free up the cash you need to keep your business moving forward with same-day deposits at no additional cost.
Alerts to help you stay on top of your account activity.
Easy account management through Chase Business online and the Chase Mobile® app.
Unlimited electronic deposits, ACH and Chase Quick Deposit℠.
Convenient access to 16,000 ATMs and more than 4,700 branches.

Member FDIC

Chase Secure Banking℠ - $100 Bonus

Get $100 Coupon

Expires 4/20/2022

New Chase checking customers enjoy $100 when you open a Chase Secure Banking℠ account with qualifying activities.
No minimum deposit to open, no fees for Chase Online℠ Bill Pay, money orders, cashier's checks or to send money
No paper checks to track
Just a simple $4.95 monthly service fee
Use the Chase debit card to help you spend only the money you have available, without worrying about overdraft fees.
Bank with the Chase Mobile® app and Chase Online℠
Get helpful account alerts so you can monitor your balance and more.
No need to worry about unauthorized card transactions when reported promptly with Zero Liability Protection.

Which is Better: Citibank or Chase?

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 CIT Bank.

In short: Chase's checking is worth mentioning.

Articles on Citibank

Citibank Review

Citibank, a CreditDonkey partner, 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 Citibank Account

Opening a Citibank account is easy. Take a look at what you'll need, plus find out how to earn up to $1,500 bonus.

Citi Priority Account Bonus

Earn up to $1,500 for opening a Citi Priority Account with required activities. Find out how to take advantage of the huge cash bonus.

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.