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 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 3,000 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
	SPECIAL OFFER Citigold Package - $1,500 Bonus - Learn More Read Citibank Review	SPECIAL OFFER Consumer Checking Account - $300 Bonus - Learn More Read US Bank Review
	Benefits and Features
Savings	0.04% - 0.06% APY. No minimum deposit. $4.50 monthly fee unless you maintain an average monthly balance of $500.	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	0.05% - 0.45% APY. Terms ranging from 3 months to 5 years. Minimum opening deposit is $1,000 in CA, and NV, $2,500 in MD, DC, VA, and FL, $500 in all other markets.	Standard Term CD: 0.05% - 0.60% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $249,999. CD Special: 0.25% - 1.00% APY. Terms of 11, 19, 27 and 59 months. Minimum deposit of $1,000. Maximum deposit $249,999.
Money Market	A.k.a 'Savings Plus' Account. 0.01% - 0.10% APY. Minimum opening deposit $100.	0.01% - 0.05% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee $10 unless you have $10,000 minimum daily ledger balance.
Customer Service	24/7 Live Customer Service (Telephone)	24/7 Live Customer Service (Telephone)
ATMs	2400 ATMs across the country. Citibank also works at all MoneyPass ATMs, which means access to over 60,000 no-fee ATMs.	More than 4,700 ATMs across the country
IRA CD	Can convert an IRA to a regular CD account. 0.05% - 0.45% APY. Terms ranging from 3 months to 5 years. Minimum opening deposit is $1,000 in CA, and NV, $2,500 in MD, DC, VA, and FL, $500 in all other markets.
IRA Money Market	Can convert an IRA account to a regular Money Market account. 0.01% - 0.10% APY. Minimum opening deposit $100.	Minimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees.
Locations	700 Citibank branches across 13 states (mostly in California and New York)	More than 3000 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
	Citigold Package - $1,500 Bonus Citi Priority Package - $700 Bonus Citi Account Package - $400 Bonus	Consumer Checking Account - $300 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 05/28/2020. US Bank: Pricing information from published website as of 05/30/2020 based on 91107 zip code.

Which is Better: Citibank or US Bank?

Still need help deciding which bank 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 offers credit cards and banking services. But service fees and balance requirements are on the high side. Is it the right bank for you? Read this review to find out.
• Citibank vs Chase
• Citibank vs Bank of America
• Citibank vs HSBC
Citibank Routing Number
Looking to transfer money in or out of your Citibank checking or savings account? You'll need the right routing number. Find your Citibank routing number and learn about money transfers below.
• Citibank vs Wells Fargo

Articles on US Bank

US Bank Review
U.S. Bank is the country's fifth largest bank, but does that make them a bank that will suit your banking needs? Do you need one of the country's largest banks 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.

Which Do You Think is Best?

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