Citibank vs Mercury

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

	Citibank	Mercury
	OFFER Checking with Enhanced Direct Deposit - $325 Cash Bonus Read Citibank Review	SPECIAL OFFER Banking for Startups - Learn More
	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.	1 free savings account; more upon request
CD	6-Month Fixed Rate CD - 4.00% APY 9-Month Fixed Rate CD - 3.00% APY 3-Month Fixed Rate CD - 2.25% APY 1-Year Fixed Rate CD - Up to 2.25% APY 5-Year Fixed Rate CD - 2.00% APY
Checking		No monthly fees; no balance requirements
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.	55,000+ Allpoint ATMs
Balance Requirement		None
Cash Deposit Fee		N/A
Customer Service	24/7 Live Customer Service (Telephone)	Email only
Incoming Wire Transfer Fee		$0
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		$0
Outgoing Wire Transfer Fee		$0
Overdraft Fee		$0
	CreditDonkey® Reviews
Savings
CD
Checking
Mobile App
Customer Service
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
Bottom Line	Large national bank best for high balance customers... Read full review
		Banking for Startups
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 12/19/2025. 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.

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