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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
 Learn MoreLearn More
 

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

SavingsCitiĀ® 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
Check
 
CheckingCiti Priority Account: 0.01% Annual Percentage YieldNo monthly service fee; no minimum balance; no overdraft fees; no foreign transaction fees
Money Market
Check
 
Customer Service24/7 Live Customer Service (Telephone)
24/7
Minimum Deposit to Open 
$0
Mobile App 
iOS & Android
ATMsMore 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
Check
 
IRA Money Market
Check
 
LocationsMore than 700 Citibank branches (concentrated in New York, Chicago, Los Angeles, San Francisco, Washington DC and Miami)
Online only
Monthly Fee 
$0
 

CreditDonkey® Reviews

 Citibank
SavingsStarStarStarEmpty StarEmpty StarStarStarStarStarStar
CDStarStarStarEmpty StarEmpty Star
CheckingStarStarStarEmpty StarEmpty StarStarStarStarStarStar
Customer ServiceStarStarStarStarEmpty StarStarStarStarEmpty StarEmpty Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarStar
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:
  • No account fees
  • Get paycheck 2 days early
  • Up to $200 overdraft coverage
Cons:
  • Hard to deposit cash
Bottom LineLarge national bank best for high balance customers... Read full review Read full review
 Learn MoreLearn More

    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.

    Citibank

    Citi Priority Account - Up to $1,500 Cash Bonus

    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.


    Articles on Citibank

    Citibank Review

    Citibank, a CreditDonkey partner, offers banking services and credit cards. But service fees and balance requirements are on the high side. Is it the right bank for you?

    Citibank Open Account

    Opening a Citibank account is easy. Take a look at what you'll need, plus find out how to earn up to $1,500 bonus.

    Citi Priority Account Bonus

    Earn up to $1,500 for opening a Citi Priority Account with required activities. Find out how to take advantage of the huge cash bonus.

    Citi High Yield Savings

    Citi now offers high-yield savings with one of the best interest rate. But it's only available in select markets. Read this review to see if it's good for you.

    Citibank Routing Number

    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.

    Articles on Chime

    Chime Reviews

    Chime has no monthly fees, so what's the catch with the app? Find out how you can get paid two days early and grow your savings.

    Chime Alternatives

    Chime offers a convenient and rewarding mobile app. But can you earn better rewards and get more account options with one of Chime's top competitors?

    Which Do You Think is Best?





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