Citibank vs Copper

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

Citibank has over 600 branches across the United States. Service fees and ways to waive are on the high side. Best for high-balance customers who can open one of the elite accounts to earn reward points, get preferred rates, and other perks.

While Copper offers financial literacy resources for kids, teens, and parents. Features include built-in financial education, cash rewards, and gift cards.

Compare Citibank with Copper, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Citibank	Copper
	OFFER Checking with Enhanced Direct Deposit - $325 Cash Bonus Read Citibank 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.	N/A
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		N/A
Money Market
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.	N/A
	CreditDonkey® Reviews
Savings
CD
Checking
Mobile App
Customer Service
Minimum Deposit
Price
Ease of Use
Education
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 minimum deposit required Earn rewards with quizzes Cons: Limited customer service
Bottom Line	Large national bank best for high balance customers... Read full review	Teaches kids and teens responsible saving, spending, and investing... Read full review

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. Copper: Pricing information from published website as of 05/30/2024