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 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 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	Lili
	Member FDIC
	Learn More	Visit Site
	OFFER Citi Checking - $1,500 Bonus Read Citibank Review	SPECIAL OFFER Free Checking Account for Small Business Owners - 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 Lili Basic users; Lili Pro users get Savings with 3.00% APY on balances up to $1,000,000
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 monthly fees; no balance requirements; no overdraft fees; no foreign transaction 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.	approximately 40,000 MoneyPass ATMs
Balance Requirement		$0
Cash Deposit Fee		Up to $4.95
Customer Service	24/7 Live Customer Service (Telephone)	Monday – Friday 9am – 7pm EST
Incoming Wire Transfer Fee		$0 ($15 for international)
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		$2.50 ($5 for international)
Outgoing Wire Transfer Fee		$15 ($25 for international)
Overdraft Fee		$0
	CreditDonkey® Reviews

Savings
CD
Checking
Mobile App
Customer Service
Minimum Deposit
Fees
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 monthly fees Expense tracking Save for taxes Cons: Best features only for paid Lili plans Fee to deposit cash
Bottom Line	Large national bank best for high balance customers... Read full review	Mixed-use account for small business owners to help manage expenses and taxes... Read full review
	Learn More	Visit Site
		Free Checking Account for Small Business Owners Lili Pro Business Checking
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 Checking Account for Small Business Owners

Sign up in 3 minutes; no credit check
No account fees - $0 monthly fee, overdraft fee, foreign transaction fee, or ATM fees at approximately 40,000 locations
Automatic Savings
Get paid up to 2 days early

Lili is a financial technology company, not a bank. Banking services provided by Sunrise Banks N.A., Member FDIC

Get Started

Free Checking Account for Small Business Owners

$0 monthly service fees
$0 minimum opening deposit
No minimum balance requirement
No foreign exchange fee
Get direct deposits up to 2 days earlier

Lili is a financial technology company, not a bank. Banking services provided by Sunrise Banks N.A., Member FDIC

Get Started

Free Checking Account for Small Business Owners

$0 monthly service fees
Automatic Savings
Free withdrawals at approximately 40,000 ATMs
Get direct deposits up to 2 days earlier
No foreign transaction fees

Lili is a financial technology company, not a bank. Banking services provided by Sunrise Banks N.A., Member FDIC

Get Started

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.