Citibank vs North One

Citibank is a large national bank best for high balance customers. How does it compare to North One? 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 North One offers business banking with built-in financial tools. You get unlimited sub-accounts, a bill pay feature, and app integrations.

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

	Citibank	North One
	Member FDIC
	Learn More	Visit Site
	OFFER Citi Checking - $1,500 Bonus Read Citibank Review	SPECIAL OFFER North One Free Business Banking - Learn More Read North One 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.	No savings account, but you can create unlimited envelopes for savings goals
CD	6-Month Fixed Rate CD - 3.50% APY 9-Month Fixed Rate CD - 2.50% APY 1-Year Fixed Rate CD - 2.50% APY 5-Year Fixed Rate CD - 2.00% APY 3-Month Fixed Rate CD - 0.05% APY
Checking		$0 monthly fee; no balance requirements
Monthly Fee		$0
Money Market	CitiBusiness® Insured Money Market Account - 4.50% APY
APY		N/A
Minimum Deposit to Open		$50
ACH Transfer Fee		$0
ATMs	More 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		None
Cash Deposit Fee		up to $4.95; 1 refund/month (Standard members); 3 refunds/month (Plus members)
Customer Service	24/7 Live Customer Service (Telephone)	Phone, email, and live chat: Monday - Sunday, 8 am - 10 pm EST.
Incoming Wire Transfer Fee		$0 for domestic wires
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		Fee from ATM owner
Outgoing Wire Transfer Fee		$20 for domestic wires
Overdraft Fee		$0
	CreditDonkey® Reviews

Savings
CD
Checking
Mobile App
Customer Service
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 Unlimited envelopes App integrations Cons: No APY Cash deposit fee
Bottom Line	Large national bank best for high balance customers... Read full review	Good business banking features and tools with no monthly fees... Read full review
	Learn More	Visit Site
		North One Free Business Banking North One Plus Business Banking North One Free Business Banking
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 10/11/2024. 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. North One: Information sourced from the published website as of 03/05/2024.

North One Free Business Banking

Business banking for teams
Automatic invoice ingestion and payments
Sales and revenue analytics
Unlimited account envelopes
Close to 100 integrations
Over $5000 in perks for new customers
No monthly fees, no application fees, no minimum balance

North One is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, Member FDIC.

Learn More

North One Plus Business Banking

Priority email/chat support
Dedicated relationship manager
Implementation and onboarding assistant
$0 same-day ACH payments, bill payments, and physical checks
Lowest transaction fees
$50 minimum opening deposit
$20 monthly fee

North One is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, Member FDIC.

Learn More

North One Free Business Banking

Unlimited envelopes for all your business budgets
Integrations with popular accounting and payment processing apps
Automate your bill payments
$50 minimum opening deposit

North One is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, Member FDIC.

Learn More

Which is Better: Citibank or North One?

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: North One's checking and customer service are worth mentioning. In particular, the customer service is outstanding.

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