Citibank vs US Bank

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

Citibank has over 700 branches across the U.S. Accounts must be opened as a checking & savings package. 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 US Bank has over 2,200 branches across 26 states. It has somewhat high minimum balance requirements to waive monthly checking account service fees. Their promotional CD Special offers high interest rates with a $1,000 minimum opening deposit.

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

	Citibank	US Bank


	OFFER Citi Priority Account - Earn up to $2,000 Cash Bonus Read Citibank Review	SPECIAL OFFER U.S. Bank Smartly™ Checking - Up to $600 Bonus - Learn More Read US 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.	0.01% APY. Minimum deposit $25. Monthly maintenance fee $4, unless you have $300 minimum daily ledger balance OR $1,000 average monthly collected balance.
CD		Standard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $249,999.
Checking	Citi Priority Account	Smartly Checking
Money Market		0.01% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee $10 unless you have $10,000 daily ledger balance.
Customer Service	24/7 Live Customer Service (Telephone)	24/7 Live Customer Service (Telephone)
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.	More than 37,000 ATMs across the country
IRA CD
IRA Money Market		Minimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees.
Locations	More than 700 Citibank branches (concentrated in New York, Chicago, Los Angeles, San Francisco, Washington DC and Miami)	More than 2200 branches across the country.
	CreditDonkey® Reviews

Savings
CD
Checking
Customer Service
Mobile App
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: Promo CD with high APY Free student account 24/7 customer service Cons: High minimums to waive fees Low savings APY
Bottom Line	Large national bank best for high balance customers... Read full review	Big national bank with wide array of services and many account options... Read full review

		U.S. Bank Smartly™ Checking - Up to $600 Bonus Silver Business Checking Package - $500 Bonus Gold Business Checking Package - $500 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 01/31/2023. 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. US Bank: Pricing information from published website as of 11/9/2022 based on 91107 zip code. Citibank: 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.

Citi Priority Account - Earn up to $2,000 Cash Bonus

Learn More

Expires in 5 days

Earn up to $2,000 cash bonus when you open a new eligible Citi Priority Checking Account with required activities
Within 20 days of opening, deposit the minimum amount of new-to-Citibank funds.
Maintain a minimum balance for 60 consecutive calendar days from the 21st day.
If your balance falls to a lower tier at any point during the maintenance period, the bonus changes.
Bonus will be paid within 30 days after you successfully complete all required activities.

Citi Priority Account - Earn up to $2,000 Cash Bonus

Learn More

Expires in 5 days

Earn up to $2,000 cash bonus when you open a new eligible Citi Priority Checking Account with required activities. Within 20 days of opening, deposit the minimum amount of new-to-Citibank funds. Maintain a minimum balance for 60 consecutive calendar days from the 21st day. If your balance falls to a lower tier at any point during the maintenance period, the bonus changes. Bonus will be paid within 30 days after you successfully complete all required activities.

Balance Levels	Maximum Bonus
$10,000 - $29,999	$200
$30,000 - $74,999	$500
$75,000 - $199,999	$1,000
$200,000 - $299,999	$1,500
$300,000 and above	$2,000

Member FDIC

U.S. Bank Smartly™ Checking - Up to $600 Bonus

Earn up to $600 when you open a new U.S. Bank Smartly™ checking account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through April 11, 2023. Member FDIC. Complete these steps within 90 days of opening your new Bank Smartly™ checking account online:

Enroll in online banking or the U.S. Bank Mobile App
Complete two or more direct deposits of $3,000 to $5,999.99 to earn $200, $6,000 to $9,999.99 to earn $400 and $10,000 or more to earn $600.

Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for Checking account

Learn More

Expires 4/11/2023

Member FDIC

Silver Business Checking Package - $500 Bonus

Earn a $500 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q1AFL23 and complete qualifying activities¹, subject to certain terms and limitations. Offer valid through April 23, 2023. Member FDIC. Complete these steps to earn the offer:

Enroll in business online banking within 60 days of account opening.
Complete $3,000 in new money deposits and maintain for 60 days from account opening.

Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for checking account.

Get Deal

Expires 4/23/2023

Member FDIC

Gold Business Checking Package - $500 Bonus

Enroll in business online banking within 60 days of account opening.
Complete $3,000 in new money deposits and maintain for 60 days from account opening.

Applicant must reside in AZ, AR, CA, CO, ID, IL, IN, IA, KS, KY, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, SD, TN, UT, WA, WI, WY to be eligible for checking account.

Get Deal

Expires 4/23/2023

Which is Better: Citibank or US 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: US Bank's cd is notable.

Articles on Citibank

Citibank Review

Citibank, a CreditDonkey partner, offers banking services and credit cards. But service fees and balance requirements are on the high side. Is it the right bank for you?

Open Citibank Account

Opening a Citi bank account is easy. Take a look at what you'll need, plus find out how to earn up to $2,000 bonus

Citi Priority Account

Earn up to $2,000 for opening a Citi Priority Account with required activities. Find out how to take advantage of the huge cash bonus.

Citibank 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 US Bank

US Bank Review

U.S. Bank is the 5th largest bank in the US, but does that make them a good bank for you? Do you need a large national bank or is a smaller bank more your style?

US Bank Routing Number

To transfer money in or out of your US Bank checking or savings account, you'll need the right routing number. Find your US Bank routing number below.