Citibank vs Frost Bank

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

	Citibank	Frost Bank
	OFFER Citi Checking - $1,500 Bonus Read Citibank Review	SPECIAL OFFER 3-Month CD - 3.50% APY - Learn More Read Frost 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.
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
Money Market
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.	Over 1,700 ATMs across Texas.
Customer Service	24/7 Live Customer Service (Telephone)	Monday to Friday 9:00AM - 5:00PM Saturday 9:00AM - 1:00PM
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.	187 financial centers across Texas
	CreditDonkey® Reviews
Savings
CD
Checking
Mobile App
Customer Service
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
Bottom Line	Large national bank best for high balance customers... Read full review	Read full review
		3-Month CD - 3.50% APY 6-Month CD - 3.05% APY 12-Month CD - 2.75% APY
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. Frost Bank: Pricing information from published website as of 05/06/2025.

Which is Better: Citibank or Frost 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.

Articles on Citibank

Citibank

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?

Open Citi Account

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

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.

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 Frost Bank

Is local customer service important to you when you bank? Do you live in Texas? If so, you may want to put Frost Bank on your list of possible banks. As one of the larger banks in Texas, Frost Bank offers "human" customer service and personal touches that you won't see anywhere else.

Which Do You Think is Best?

Which Bank Account is Right for You?

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