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Citibank vs Lili

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

Citibank has over 700 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 Lili is designed for sole proprietors and single-member LLCs. It helps you prepare for taxes with a write-off tracker, automated tax savings, and pre-filled tax forms. The Lili basic account has no monthly fees or minimums.

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

 Citibank
Member FDIC
Lili
 Learn MoreVisit Site
 

Citibank

Lili

OFFER
Enhanced Direct Deposit - Earn $300 Cash Bonus

Read Citibank Review

SPECIAL OFFER
Free Checking Account for Sole Proprietors and Single-Member LLC - Learn More

Read Lili 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.
Emergency Bucket for all users; Lili Pro users also get an Emergency Bucket with 4.15% APY
CD
Check
 
Checking
Check
No monthly fees; no balance requirements; no overdraft fees; no foreign transaction fees
Monthly Fee 
$0
Money Market
Check
 
APY 
N/A
Minimum Deposit to Open 
$0
ACH Transfer Fee 
$0
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.
38,000+ MoneyPass ATMs
Balance Requirement 
$0
Cash Deposit Fee 
$4.95
Customer Service24/7 Live Customer Service (Telephone)
Monday – Friday 9am – 7pm EST
Incoming Wire Transfer Fee 
$0
IRA CD
Check
 
IRA Money Market
Check
 
LocationsMore than 700 Citibank branches (concentrated in New York, Chicago, Los Angeles, San Francisco, Washington DC and Miami)
Online only
Out of Network ATM Fee 
$2.50 ($5 for international)
Outgoing Wire Transfer Fee 
N/A
Overdraft Fee 
$0
 

CreditDonkey® Reviews

 CitibankLili
SavingsStarStarStarEmpty StarEmpty StarStarStarStarEmpty StarEmpty Star
CDStarStarStarEmpty StarEmpty Star
CheckingStarStarStarEmpty StarEmpty StarStarStarStarStarStar
Mobile AppStarStarStarStarHalf StarStarStarStarStarHalf Star
Customer ServiceStarStarStarStarEmpty StarStarStarStarStarEmpty Star
Minimum DepositStarStarStarStarStar
FeesStarStarStarStarStar
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:
  • No monthly fees
  • Expense tracking
  • Save for taxes
Cons:
  • Best features only for paid Lili plans
  • No checks
  • Fee to deposit cash
Bottom LineLarge national bank best for high balance customers... Read full reviewMixed-use account for small business owners to help manage expenses and taxes... 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 02/07/2024. 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.

    Citibank: 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.

    Citibank
    Member FDIC

    Enhanced Direct Deposit - Earn $300 Cash Bonus

    Earn $300 cash bonus when you open a new eligible checking account with Enhanced Direct Deposit and complete required activities. Member FDIC

    • Open a new eligible Citi Checking account with Enhanced Direct Deposits
    • Deposit at least two Enhanced Direct Deposits directly into your new checking account within 90 calendar days from account opening.
    • Your total combined Enhanced Direct Deposit must equal $1,500 or more.
    • Earn a $300 cash bonus. Your cash bonus will be deposited to your open, eligible checking account within 30 calendar days after required activities have been completed.
    Lili

    Free Checking Account for Sole Proprietors and Single-Member LLC

    • Sign up in 3 minutes; no credit check
    • No account fees - $0 monthly fee, overdraft fee, foreign transaction fee, or ATM fees at 38,000+ locations
    • Automatic Savings
    • Get paid up to 2 days early
    Banking services provided by Choice Financial Group, Member FDIC
    Lili

    Free Checking Account for Sole Proprietors and Single-Member LLC

    • $0 monthly service fees
    • $0 minimum opening deposit
    • No minimum balance requirement
    • No foreign exchange fee
    • Get direct deposits up to 2 days earlier
    Banking services provided by Choice Financial Group, Member FDIC
    Lili

    Free Checking Account for Sole Proprietors and Single-Member LLC

    • $0 monthly service fees
    • Automatic Savings
    • Free withdrawals at 38k ATMs
    • Get direct deposits up to 2 days earlier
    • No foreign transaction fees
    Banking services provided by Choice Financial Group, Member FDIC

    Which is Better: Citibank or Lili?

    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: Lili's checking is outstanding.


    Articles on Citibank

    Citibank

    Citibank, a CreditDonkey partner, 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 a 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

    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 Lili

    Lili Review

    Lili offers a free business checking account with tax planning and expense tracking tools. Review the features to find out if Lili is worth it.

    Which Do You Think is Best?





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