Citibank vs Fifth Third Bank

Citibank is a large national bank best for high balance customers. How does it compare to Fifth Third Bank? 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 Fifth Third Bank has 1,300 branches across the Midwest and Southwest. Basic checking account requires $1,500 minimum balance to avoid fees. Promotional CD offers a high APY for terms up to 60 months with a $5,000 minimum opening deposit.

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

	Citibank	Fifth Third Bank
	OFFER Citi Checking - $1,500 Bonus Read Citibank Review	SPECIAL OFFER Fifth Third Business Checking Account™ - Learn More Read Fifth Third Bank 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.	0.01% APY
CD	6-Month Fixed Rate CD - 3.00% APY 9-Month Fixed Rate CD - 3.00% APY 5-Year Fixed Rate CD - 2.00% APY 1-Year Fixed Rate CD - 0.10% APY 3-Month Fixed Rate CD - 0.05% APY	0.01% APY. Terms ranging from 7 days to 84 months, minimum deposit of $500. Featured CD: 2.26% to 3.55% APY. Terms are 6, 12, and 24 months, minimum deposit of $5,000.
Checking		Fifth Third Momentum® Checking: No monthly service charge Fifth Third Preferred Checking®: Interest-bearing checking account Fifth Third Student Banking: Personal checking account for students age 13 and up.
Money Market		0.01% APY Standard Rate (0.01% Relationship Rate)
Mobile App	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.	2,100+ Fifth Third ATMs plus 40,000+ fee-free ATMs nationwide
Customer Service	24/7 Live Customer Service (Telephone)	Mon-Fri 8:00 am - 6:00 pm (EST) Sat 10:00 am - 4:00 pm (EST)
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.	1,087 branch locations
	CreditDonkey® Reviews
Savings
CD
Checking
Mobile App
Customer Service
Money Market
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: Free Express Checking Free student checking Promo CD with high APY Cons: Higher balance requirements Low savings APY Limited branches
Bottom Line	Large national bank best for high balance customers... Read full review	Midwest & Southwest bank with high balance requirements... Read full review
		Fifth Third Business Checking Account™ Personal Checking Account - $350 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 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. Fifth Third Bank: Pricing information from published website as of 05/09/2025 based on 45202 zip code.

Which is Better: Citibank or Fifth Third Bank?

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: Fifth Third Bank's cd is worth mentioning.

Articles on Citibank

Citibank Review

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

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Citi Savings Account Interest Rate

Citibank boasts two savings accounts with varying rates and low fees. But which one should you open? Read on for all the details.

Citibank Accelerate 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 Fifth Third Bank

Fifth Third Bank Review

Fifth Third Bank has higher balance requirements and high service fees if they're not met. But it offers some unique programs. Read on to see if Fifth Third Bank is a good fit for you.

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Which Do You Think is Best?

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