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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 1,200 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.

 
Member FDIC
KeyBank
Member FDIC
 Learn MoreVisit Site
 

Citibank

KeyBank

OFFER
Checking with Enhanced Direct Deposit - $300 Cash Bonus

Read Citibank Review

SPECIAL OFFER
Key Select Checking® - $200 Bonus - Learn More

Read KeyBank 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. $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
Check
Standard Term CD: 0.05% APY. Terms of 7 days to 10 years. Minimum deposit of $2,500.
Checking
Check
 
Money Market
Check
2.92% 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.
ATMsMore than 70,000 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.More than 40,000 KeyBank and Allpoint ATMs nationwide
Customer Service24/7 Live Customer Service (Telephone)Telephone Service available 24/7
IRA CD
Check
 
IRA Money Market
Check
 
Locations645 retail bank branches concentrated in the six key metropolitan areas of New York, Chicago, Los Angeles, San Francisco, Miami, and Washington, D.C.More than 1,200 branches in 15 states: Alaska, Colorado, Connecticut, Idaho, Indiana, Maine, Massachusetts, Michigan, New York, Ohio, Oregon, Pennsylvania, Utah, Vermont, and Washington.
 

CreditDonkey® Reviews

 KeyBank
SavingsStarStarStarEmpty StarEmpty StarStarStarEmpty StarEmpty StarEmpty Star
CDStarStarStarEmpty StarEmpty StarStarStarStarHalf StarEmpty Star
CheckingStarStarStarEmpty StarEmpty StarStarStarStarHalf StarEmpty Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarHalf Star
Customer ServiceStarStarStarStarEmpty StarStarStarStarStarEmpty Star
Money MarketStarStarHalf StarEmpty StarEmpty Star
Pros & ConsPros:
  • Perks for high balance customers
  • Many fee-free ATMs
  • Global presence
Cons:
  • No free checking option
  • Higher balance requirements
  • Low savings APY
Pros:
  • Key Financial Wellness Review tool
  • Free checking option
  • 24/7 customer service
Cons:
  • Limited branches
  • High account fees
Bottom LineLarge national bank best for high balance customers... Read full reviewBank with a variety of deposit products and great financial tools... Read full review
 Learn MoreVisit 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 06/13/2024. 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 06/14/2024 based on 44114 zip code.

    KeyBank
    Member FDIC

    Key Select Checking® - $200 Bonus

    Expires 7/19/2024
    Earn $200 after qualified activities until 7.19.24 with interest-bearing Key Select Checking®.

    • Open a Key Select Checking® account online by July 19, 2024.
    • Make the minimum opening deposit of $50, plus one direct deposit of at least $500 within the first 60 days of account opening.
    • Your $200 cash bonus will be deposited into your account within 90 days of meeting requirements. Account must not be closed or restricted during the time of promotional period.

    Key Select Checking® is a premium checking account that earns interest and a $100 cash bonus year after year with qualifying activities and has a waivable monthly maintenance fee.

    KeyBank
    Member FDIC

    Key Smart Checking® - $200 Bonus

    Expires 7/19/2024
    Earn $200 after qualified activities until 7.19.24 with the no-monthly-maintenance-fee Key Smart Checking®.

    • Open a Key Smart Checking® account online by July 19, 2024.
    • Make the minimum opening deposit of $10, plus one direct deposit of at least $500 within the first 60 days of account opening.
    • Your $200 cash bonus will be deposited into your account within 90 days of meeting requirements. Account must not be closed or restricted during the time of promotional period.

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

    Citibank Open 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 KeyBank

    KeyBank Review

    Are you looking for a no-frills checking account or maybe a bank that offers relationship banking services/interest rates? You may have found your fit with KeyBank.

    KeyBank Routing Number

    Looking to transfer money in or out of your KeyBank checking or savings account? Find your KeyBank routing number and learn more about money transfers in our guide.

    Which Do You Think is Best?





    Which Bank Account is Right for You?


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    CreditDonkey is a bank comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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