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.
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Citibank | Chase | |
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Citi Accelerate Savings Account - 0.50% APY - | Chase Bank $200 Bonus - | |
Benefits and Features | ||
Savings | 0.04% - 0.15% 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. |
CD | 0.05% - 0.25% 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 Market | A.k.a 'Savings Plus' Account. 0.01% - 0.10% APY. Minimum opening deposit $100. | |
Customer Service | 24/7 Live Customer Service (Telephone) | |
ATMs | 2400 ATMs across the country. Citibank also works at all MoneyPass ATMs, which means access to over 60,000 no-fee ATMs. | |
IRA CD | Can convert an IRA to a regular CD account. 0.05% - 0.25% 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 Market | Can convert an IRA account to a regular Money Market account. 0.01% - 0.10% APY. Minimum opening deposit $100. | |
Locations | 700 Citibank branches across 13 states (mostly in California and New York) | |
CreditDonkey® Reviews | ||
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Savings | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
CD | ![]() ![]() ![]() ![]() ![]() | |
Checking | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Customer Service | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Mobile App | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Pros & Cons | Pros:
| Pros:
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Bottom Line | Large national bank best for high balance customers... | National bank with good promotions for new customers... |
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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 1/16/2021. Chase: Pricing information and data points from published website as of 12/17/2020 |
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.
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