Citibank vs Regions Bank

Citibank is a large national bank best for high balance customers. How does it compare to Regions Bank? 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 Regions Bank has 1,250+ branches in 15 states in the South and Midwest. Checking and savings accounts require just $50 to open, with relatively lower requirements to waive fees. The unique Now Banking solution offers prepaid Visa, savings, and check cashing services with no account required.

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

	Citibank	Regions Bank
	OFFER Citi Checking - $1,500 Bonus Read Citibank Review	SPECIAL OFFER LifeGreen Business Checking® - Learn More Read Regions Bank 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.	0.01% APY
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	0.01% - 0.05% APY (Up to 4.00% APY for Promotional Relationship)
Checking
Money Market
Mobile App	iOS & Android
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.	2,000+ ATMs in 15 Southern and Midwestern US states.
Customer Service	24/7 Live Customer Service (Telephone)	24/7 Telephone Customer Service
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.	1,250+ branches in 15 Southern and Midwestern US states.
	CreditDonkey® Reviews
Savings
CD
Checking
Mobile App
Customer Service
Money Market
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: $50 to open checking account Relationship Rewards program LifeGreen Savings annual bonus Cons: No free checking option Limited branches Low savings APY
Bottom Line	Large national bank best for high balance customers... Read full review	South and Midwest bank with special reward programs... Read full review
		LifeGreen Business Checking® Business Referral Program - $150 Bonus LifeGreen Savings Account – Up to $100 Annual Savings Bonus
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. Regions Bank: Pricing information from published website as of 04/20/2025 based on 35203 zip code.

Which is Better: Citibank or Regions Bank?

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: Citibank's mobile app is noteworthy. Regions Bank's savings is notable.

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Articles on Regions Bank

Regions Bank Review

Regions Bank offers a variety of deposit products, easy account opening requirements, and special reward programs. Read on to see if this bank is right for you.

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