Citibank vs Chime

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

	Citibank	Chime
	OFFER Checking with Enhanced Direct Deposit - $325 Cash Bonus Read Citibank Review	SPECIAL OFFER Get Started - Learn More Read Chime 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.	1.00% Annual Percentage Yield (APY).
CD	6-Month Fixed Rate CD - 3.00% APY 9-Month Fixed Rate CD - 3.00% APY 3-Month Fixed Rate CD - 2.00% APY 1-Year Fixed Rate CD - 2.00% APY 5-Year Fixed Rate CD - 2.00% APY
Checking		No monthly service fee; no minimum balance; no overdraft fees; no foreign transaction fees
Monthly Fee		$0
Money Market
Minimum Deposit to Open		$0
Mobile App	iOS & Android	iOS & Android
ATMs	More than 65,000 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.	Over 50,000 fee-free MoneyPass, Allpoint, and Visa Plus Alliance ATMs
Customer Service	24/7 Live Customer Service (Telephone)	24/7
IRA CD
IRA Money Market
Locations	645 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
	CreditDonkey® Reviews
Savings
CD
Checking
Mobile App
Customer Service
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: No account fees Get paycheck 2 days early Up to $200 overdraft coverage Cons: Hard to deposit cash
Bottom Line	Large national bank best for high balance customers... Read full review	Banking app that offers an online account with early paycheck access and credit builder features... Read full review
		Get Started Personal Checking Account - $350 Bonus Personal Checking Account - $200 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 02/05/2026. 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. Chime: Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.

Which is Better: Citibank or Chime?

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 Bank of America.

In short: Citibank's customer service is noteworthy. Chime's savings and checking are excellent.

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