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 Citi Priority Account - Up to $1,500 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.	0.50% Annual Percentage Yield (APY). The Annual Percentage Yield ("APY") for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of November 1, 2021. No minimum balance required. Must have $0.01 in savings to earn interest.
CD
Checking	Citi Priority Account: 0.01% Annual Percentage Yield	No monthly service fee; no minimum balance; no overdraft fees; no foreign transaction fees
Money Market
Customer Service	24/7 Live Customer Service (Telephone)	24/7
Minimum Deposit to Open		$0
Mobile App		iOS & Android
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.	Over 60,000 fee-free MoneyPass, Allpoint, and Visa Plus Alliance 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)	Online only
Monthly Fee		$0
	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: 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	Read full review

		Get Started Deposit a Check Using a Mobile App (No Monthly Fees) Free Mobile Checking
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. 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. 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

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.

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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.