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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.

 Chase
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Citibank

Chase

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Citi Priority Package - $700 Bonus - Learn More

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Chase Sapphire℠ Checking - Learn More

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Benefits and Features

Savings0.04% APY. No minimum deposit. $4.50 monthly fee unless you maintain an average monthly balance of $500.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.
CD0.05% - 1.75% APY. Terms ranging from 3 months to 5 years. Minimum opening deposit is $1,000 in CA, and NV, $2,500 in MD, DC, VA, and FL, $500 in all other markets.Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Checking Chase Total Checking: Basic checking account. $12 service fee waived with an average beginning day balance of $1,500 OR direct deposits of at least $500 each month. $0 minimum balance to open.
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 MarketA.k.a 'Savings Plus' Account. 0.01% - 0.10% APY. Minimum opening deposit $100. 
Customer Service24/7 Live Customer Service (Telephone)
24/7 by phone
ATMs2400 ATMs across the country. Citibank also works at all MoneyPass ATMs, which means access to over 60,000 no-fee ATMs.Over 16,000 Chase ATMs nationwide
IRA CDCan convert an IRA to a regular CD account. 0.05% - 1.75% APY. Terms ranging from 3 months to 5 years. Minimum opening deposit is $1,000 in CA, and NV, $2,500 in MD, DC, VA, and FL, $500 in all other markets. 
IRA Money MarketCan convert an IRA account to a regular Money Market account. 0.01% - 0.10% APY. Minimum opening deposit $100. 
Locations700 Citibank branches across 13 states (mostly in California and New York)
Nearly 5,000 branches
 

CreditDonkey® Reviews

 Chase
Savings
CD
Checking
Customer Service
Mobile App
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:
  • Nearly 5,000 branches
  • New customer promotions
  • Full service banking
Cons:
  • Low interest rates
  • Not in all states
Bottom LineLarge national bank best for high balance customers... Read full reviewNational bank with good promotions for new customers... Read full review
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What Others View

    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 11/15/2019.

    Chase: Pricing information from published website as of 7/17/2019

    Which is Better: Citibank or Chase?

    Still need help deciding which bank 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.


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