Citibank vs SunTrust Bank

Citibank is a large national bank best for high balance customers. How does it compare to SunTrust 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 SunTrust Bank has 1,400 branches in the Southeast region. Checking accounts require $100 to open and offers different ways to waive fees. Select Savings account offers an annual 1% bonus up to $25. Promotional CD offers a high APY with a $2,000 minimum opening deposit.

Compare Citibank with SunTrust Bank, side-by-side.

	Citibank	SunTrust Bank
	OFFER Citi Checking - $1,500 Bonus Read Citibank 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 for all savings account. For Essential Savings Account - no minimum opening deposit, no monthly maintenance fee, no tiered interest rates. For Select Savings Account - $100 minimum opening deposit, $7 monthly maintenance fee unless 1) minimum $25 per month auto-transfer from a SunTrust personal checking account or, 2) $1,000 minimum daily collected balance. Has tiered interest rates.
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	0.05% APY. Terms ranging from 6 months - 24 months. $2,500 minimum opening deposit. Terms ranging from 7 days - 31 days. OR $1000 minimum opening deposit. Terms ranging from 32 days - 60 days.
Checking
Money Market		Minimum opening deposit $100. Monthly maintenance fee $12 unless 1) one (1) automated transfer ($100 minimum) occurs, OR 2) a minimum daily collected balance of $10,000 is maintained.
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.	More than 2160 ATMs across 11 southeastern states and Washington DC.
Customer Service	24/7 Live Customer Service (Telephone)	24/7 Telephone and Automated Customer Service
IRA CD		Terms ranging from 1 - 10 years.
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.	1400 bank branches across 11 southeastern states and Washington D.C.
	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
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. SunTrust Bank: Pricing information from published website as of 04/12/2022 based on 91107 zip code.

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

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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

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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.

Citibank Accelerate 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.

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