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Citibank vs Santander Bank

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

Citibank has over 700 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 Santander Bank has over 600 branches in the Northeast. Offers a range of checking and savings accounts, with simple requirements to waive service fees. High balance customers can earn higher interest. Their CDs offer high a APY with $500 minimum opening deposit.

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

 

Citibank

Santander Bank

OFFER
Checking with Enhanced Direct Deposit - $300 Cash Bonus

Read Citibank Review

SPECIAL OFFER
Personal Checking Account - $400 Bonus - Learn More

Read Santander 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.
0.03% APY. $25 Minimum opening deposit. $1 monthly fee, unless 1) You have a Santander Checking Account, or have 2) $100 average daily balance in your savings account.
CD
Check
5.00% APY. 6 - 9 month. Minimum deposit of $500, with Santander Checking Account.
Checking
Check
 
Money Market
Check
0.03% - 0.05% APY. Must be Santander Premier Plus Checking Account holder. Minimum deposit of $25. No monthly fee.
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.Over 2000 ATMs throughout the Northeast, including in many CVS/pharmacy® locations
Customer Service24/7 Live Customer Service (Telephone)Mon-Sun 8:00 am - 8:00 pm (ET) (excluding Christmas Day)
IRA CD
Check
 
IRA Money Market
Check
 
LocationsMore than 700 Citibank branches (concentrated in New York, Chicago, Los Angeles, San Francisco, Washington DC and Miami)
Over 575 branches in the US
 

CreditDonkey® Reviews

SavingsStarStarStarEmpty StarEmpty StarStarStarStarEmpty StarEmpty Star
CDStarStarStarEmpty StarEmpty StarStarStarStarStarStar
CheckingStarStarStarEmpty StarEmpty StarStarStarStarStarEmpty Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarHalf Star
Customer ServiceStarStarStarStarEmpty StarStarStarStarStarEmpty Star
Money MarketStarStarEmpty StarEmpty StarEmpty 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
Pros:
  • Easy to waive monthly fees
  • High APY for CDs
  • Free student checking
Cons:
  • Low interest for Premier Plus Checking
Bottom LineLarge national bank best for high balance customers... Read full reviewNortheastern bank with low requirements to waive fees... Read full review

    Personal Checking Account - $400 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 03/15/2024. 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.

    Santander Bank: Pricing information from published website as of 02/26/2024 based on 91107 zip code.

    Which is Better: Citibank or Santander 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: Santander Bank's cd and checking are worth mentioning. In particular, the cd is impressive.


    Articles on Citibank

    Citibank

    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?

    Citibank Open 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 Santander Bank

    Santander Bank Review

    If you're in the Northeast, Santander Bank offers solid basic checking and savings options, as well as competitive rates for CDs. Read on to see if it fits your needs.

    Which Do You Think is Best?





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