Citibank vs KeyBank
Citibank is a large national bank best for high balance customers. How does it compare to KeyBank? 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 KeyBank has over 1,000 branches in 15 states. It offers a range of checking and savings accounts. Some relationship products offer perks like lower loan rates and higher savings APY. Key Bank has higher monthly service fees and heavier requirements to waive, but there is a free checking option.
Compare Citibank with KeyBank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
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| Learn More | Visit Site | |
Citibank | KeyBank | |
|---|---|---|
Citi Checking - $1,500 Bonus | Key Smart Checking® - $300 Bonus - | |
Benefits and Features | ||
| Savings |
| 0.01% APY. $10 minimum opening deposit. $4 monthly maintenance fee unless you are an owner of a KeyBank consumer checking account (including the KeyBank Hassle-Free Account). |
| CD |
| Standard Term CD: 0.05% APY. Terms of 7 days to 10 years. Minimum deposit of $2,500. |
| Checking |  | |
| Money Market | 2.03% blended APY on balances of $25,000 or more. $5,000 minimum opening deposit. Monthly maintenance charge of $20. Can be waived with $25,000 daily balance OR having a relationship package checking account. | |
| Mobile App | ||
| 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. | 40,000+ KeyBank and Allpoint ATMs nationwide |
| Customer Service | 24/7 Live Customer Service (Telephone) | Telephone Service available 24/7 |
| 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. | 1,000+ branches in 15 states: Alaska, Colorado, Connecticut, Idaho, Indiana, Maine, Massachusetts, Michigan, New York, Ohio, Oregon, Pennsylvania, Utah, Vermont, and Washington. |
CreditDonkey® Reviews | ||
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| Savings |   | |
| CD | |  |
| Checking | | |
| Mobile App | | |
| Customer Service | | |
| Money Market | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Large national bank best for high balance customers... | Bank with a variety of deposit products and great financial tools... |
| Learn More | Visit Site | |
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. KeyBank: Pricing information from published website as of 05/05/2025 based on 44114 zip code. | ||
Key Smart Checking® - $300 Bonus
- Open a Key Smart Checking® account online by May 16, 2025.
- Make the minimum opening deposit of $10, plus one single eligible direct deposit of at least $1,000 within the first 60 days of account opening.
- Your $300 cash bonus will be deposited into your account within 60 days of meeting requirements. Account must not be closed at the time of gift payment.
Which is Better: Citibank or KeyBank?
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 Review
Citibank Open Account
Citi Savings Account Interest Rate
Citi High Yield Savings
Citibank Routing Number
Articles on KeyBank
KeyBank Review
KeyBank Routing Number
Which Do You Think is Best?
Which Bank Account is Right for You?
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