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.
![]() | ||
Learn More | Visit Site | |
Citibank | Lili | |
---|---|---|
Citi Checking - $1,500 Bonus | Free Checking Account for Small Business Owners - | |
Benefits and Features | ||
Savings |
| Emergency Bucket for Lili Basic users; Lili Pro users get Savings with 3.00% APY on balances up to $1,000,000 |
CD |
| |
Checking | ![]() | No monthly fees; no balance requirements; no overdraft fees; no foreign transaction fees |
Monthly Fee | ||
Money Market | ||
APY | ||
Minimum Deposit to Open | ||
ACH Transfer Fee | ||
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 | ||
Cash Deposit Fee | ||
Customer Service | 24/7 Live Customer Service (Telephone) | |
Incoming Wire Transfer Fee | ||
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. | |
Out of Network ATM Fee | ||
Outgoing Wire Transfer Fee | ||
Overdraft Fee | ||
CreditDonkey® Reviews | ||
![]() | ||
Savings | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
CD | ![]() ![]() ![]() ![]() ![]() | |
Checking | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Mobile App | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Customer Service | ![]() ![]() ![]() ![]() ![]() | ![]() ![]() ![]() ![]() ![]() |
Minimum Deposit | ![]() ![]() ![]() ![]() ![]() | |
Fees | ![]() ![]() ![]() ![]() ![]() | |
Pros & Cons | Pros:
| Pros:
|
Bottom Line | Large national bank best for high balance customers... | Mixed-use account for small business owners to help manage expenses and taxes... |
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 04/18/2025. 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
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
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
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.