Citibank vs Found

Citibank is a large national bank best for high balance customers. How does it compare to Found? 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 Found is a business banking account for the self-employed. It keeps track of write-offs, auto saves for taxes, and even makes your quarterly tax payments for you. Plus, you get free unlimited invoices. There's no monthly fee.

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

	CitibankChaseBank of AmericaWells FargoU.S. BankHSBCNovoLili Member FDIC
	Learn More	Visit Site
	Citibank	Found
	OFFER Citi Checking - $1,500 Bonus Read Citibank Review	SPECIAL OFFER Free Business Banking for the Self-Employed - Learn More Read Found 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.	Only includes a Tax Savings Account with auto-save feature
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
Checking		No required monthly fees; no minimum balance fees; no overdraft fees
Monthly Fee		$0
Money Market
APY		N/A
Minimum Deposit to Open		$0
Mobile App	iOS & Android
ACH Transfer Fee		$0
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.	Any ATM that accepts Mastercard; No ATM fees from Found, but owner may charge a fee
Balance Requirement		$0
Cash Deposit Fee		$2
Customer Service	24/7 Live Customer Service (Telephone)	Monday – Friday 9am – 5pm PST
Incoming Wire Transfer Fee		N/A
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.	Online only
Out of Network ATM Fee		Standard ATM fees charged by the owner
Outgoing Wire Transfer Fee		N/A
Overdraft Fee		$0
	CreditDonkey® Reviews
Savings
CD
Checking
Mobile App
Customer Service
Minimum Deposit
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 required monthly fees Built-in tax tools Unlimited invoicing Cons: No free ATMs No APY with the free version Fee to deposit cash
Bottom Line	Large national bank best for high balance customers... Read full review	Free business banking app with good tax tools, but lacks some basic features... Read full review
	Learn More	Visit Site
		Free Business Banking for the Self-Employed Found Plus Business Banking
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.

Free Business Banking for the Self-Employed

• Banking, taxes, bookkeeping – all in one place
• Automatically find tax write-offs and save for taxes
• Track and categorize expenses with custom rules
• Free unlimited custom invoices
• Easy sign up; no credit check

Found is a financial technology company, not a bank. Business banking services are provided by Piermont Bank, Member FDIC. The funds in your account are FDIC-insured up to $250,000 per depositor for each account ownership category. The Found Mastercard Business debit card is issued by Piermont Bank pursuant to a license from Mastercard Inc. and may be used everywhere Mastercard debit cards are accepted.

Get Deal

Free Business Banking for the Self-Employed

• $0 monthly service fees or minimums
• Automatically find tax write-offs and track expenses
• Auto-save for taxes
• Photo receipt capture
• Free unlimited custom invoices
• Easy sign up; no credit check

Found is a financial technology company, not a bank. Banking services are provided by Piermont Bank, Member FDIC. The Found Mastercard® Debit Card is issued by Piermont Bank, Member FDIC.

Get Deal

Found Plus Business Banking

• $19.99/month or $149.99/year
• Earn 1.5% APY on balances up to $20,000
• Auto-import expense from receipt
• Automatically find tax write-offs and track expenses
• Pay taxes directly from the app
• Free unlimited custom invoices
• Custom bookkeeping categories
• Priority customer support

Found is a financial technology company, not a bank. Banking services are provided by Piermont Bank, Member FDIC. The Found Mastercard® Debit Card is issued by Piermont Bank, Member FDIC

Get Deal

Which is Better: Citibank or Found?

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: Found's checking is impressive.

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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Open Citibank Account

Opening a Citi bank account is easy. Take a look at what you'll need, plus find out how to earn a bonus

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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 Found

Found Business Banking Review

Found Business Banking offers helpful tax and invoicing tools for self-employed people. But it lacks other basic features. Here's what you need to know.

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Which Do You Think is Best?