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Citibank vs Marcus by Goldman Sachs

Citibank is a large national bank best for high balance customers. How does it compare to Marcus? 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 Marcus offers savings accounts, term CDs, and a no-penalty CD. It has no checking or ATM network. Savings account has no minimum deposit required to open while CDs have $500 minimum opening deposit. There are no service fees.

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

 

Citibank

Marcus by Goldman Sachs

OFFER
Checking with Enhanced Direct Deposit - $300 Cash Bonus

Read Citibank Review

SPECIAL OFFER
Marcus Online Savings - Earn 4.40% APY - Learn More

Read Marcus Review

 

Benefits and Features

Savings
  • CitiĀ® 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.
  • CitiĀ® Savings: Available in CA, CT, DC, MD, NV, NJ, NY, VA, and select markets in Florida and Illinois.
4.40% APY. $0 to open. No fees to open or maintain account. No minimum daily balance requirement.
CD
Check
3.90% to 5.10% APY. Terms of 6 months to 6 years. 12-month CD APY of 4.90%. $500 minimum to open. No monthly service fee.
Checking
Check
N/A
Money Market
Check
N/A
Mobile App 
iOS & Android
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.
None
Customer Service24/7 Live Customer Service (Telephone)Mon - Sat: 8 am - 10 pm ET
Sat - Sun: 9 am - 7 pm ET
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.
Online only
 

CreditDonkey® Reviews

SavingsStarStarStarEmpty StarEmpty Star
CDStarStarStarEmpty StarEmpty Star
CheckingStarStarStarEmpty StarEmpty Star
Mobile AppStarStarStarStarHalf Star
Customer ServiceStarStarStarStarEmpty 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
Bottom LineLarge national bank best for high balance customers... Read full review Read full review

    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.

    Marcus: Information including rates, fees, terms, and benefits was obtained on May 04, 2024 from published websites and is believed to be accurate, but not guaranteed.

    Which is Better: Citibank or Marcus?

    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?

    Open Citi 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 Marcus by Goldman Sachs

    Marcus by Goldman Sachs Review

    Marcus by Goldman Sachs offers savings accounts and CDs at high interest rates. But don't expect accounts with a lot of bells and whistles. Read on for the pros and cons.

    Marcus by Goldman Sachs High Yield Savings

    Saving up for something big? Grow your funds with Marcus Online Savings' impressive APY rate. Read on for more details.

    Marcus CD Rates

    Marcus has high-yield, no-penalty, and rate bump CDs. But are the rates competitive? Read on to find out.

    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.

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