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 | |
---|---|---|
Citi Checking - $1,500 Bonus | Get Started - | |
Benefits and Features | ||
Savings |
| 2.00% Annual Percentage Yield (APY).
|
CD |
| |
Checking | ![]() | No monthly service fee; no minimum balance; no overdraft fees; no foreign transaction fees |
Monthly Fee | ||
Money Market | ||
Minimum Deposit to Open | ||
Mobile App | ||
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) | |
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. | |
CreditDonkey® Reviews | ||
Savings | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
CD | ![]() ![]() ![]() ![]() ![]() | |
Checking | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Mobile App | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Customer Service | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Pros & Cons | Pros:
| Pros:
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Bottom Line | Large national bank best for high balance customers... | Banking app that offers an online account with early paycheck access and credit builder features... |
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 05/07/2025. 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 Chase.
In short: Citibank's customer service is noteworthy. Chime's savings and checking are excellent.