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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 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.

 CitibankUS Bank
 Learn MoreVisit Site
 

Citibank

US Bank

OFFER
Citi Priority Account - Up to $1,500 Cash Bonus

Read Citibank Review

SPECIAL OFFER
Easy Checking - $200 or $400 Bonus - Learn More

Read US Bank Review

 

Benefits and Features

SavingsCitiĀ® 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
Check
Standard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $249,999. CD Special: 0.15% APY - 0.75% APY. Terms of 17 month - 59 months. Minimum deposit of $1,000. Maximum deposit $249,999.
CheckingCiti Priority Account: 0.01% Annual Percentage YieldEasy Checking, Gold Checking Package, Platinum Checking Package
Money Market
Check
0.01% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee $10 unless you have $10,000 daily ledger balance.
Customer Service24/7 Live Customer Service (Telephone)24/7 Live Customer Service (Telephone)
ATMsMore than 65,000 fee-free ATMs at Citibank branches and participating retail locations nationwide, including Target, CVS Pharmacy, Rite aid, Walgreens, Duane Reade and ATMs displaying Allpoint or MoneyPass logo.More than 4,700 ATMs across the country
IRA CD
Check
 
IRA Money Market
Check
Minimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees.
LocationsMore than 700 Citibank branches (concentrated in New York, Chicago, Los Angeles, San Francisco, Washington DC and Miami)More than 3000 branches across the country.
 

CreditDonkey® Reviews

 CitibankUS Bank
SavingsStarStarStarEmpty StarEmpty StarStarStarStarEmpty StarEmpty Star
CDStarStarStarEmpty StarEmpty StarStarStarStarStarEmpty Star
CheckingStarStarStarEmpty StarEmpty StarStarStarStarEmpty StarEmpty Star
Customer ServiceStarStarStarStarEmpty StarStarStarStarStarHalf Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarHalf Star
Money MarketStarStarStarEmpty 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:
  • Promo CD with high APY
  • Free student account
  • 24/7 customer service
Cons:
  • High minimums to waive fees
  • Low savings APY
Bottom LineLarge national bank best for high balance customers... Read full reviewBig national bank with wide array of services and many account options... Read full review
 Learn MoreVisit Site

    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 09/15/2021. 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 03/8/2022 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.

    Citibank

    Citi Priority Account - Up to $1,500 Cash Bonus

    Expires 7/17/2022
    • Earn up to $1,500 cash bonus when you open a new account with required activities
    • Open a new eligible checking account in the Citi Priority Account during the offer period 1/5/22-7/17/22
    • Within 20 days of opening, deposit $50,000 in New-To Citibank funds between the new checking and savings accounts
    • Maintain a minimum balance of $50,000 in the checking account for an additional 60 consecutive calendar days from the 21st day
    • After all required activities are met, the cash bonus will be deposited to your account within 90 calendar days
    US Bank
    Member FDIC

    Easy Checking - $200 or $400 Bonus

    Earn up to $400 when you open a new eligible U.S. Bank consumer checking account and complete qualifying activities, subject to certain terms and limitations. Offer valid through June 13, 2022. Member FDIC. Complete these steps within 60 days of opening your new Platinum, Gold or Easy checking account online:
    • Enroll in online banking or the U.S. Bank Mobile App.
    • Complete two or more direct deposits totaling $2,500 to $4,999.99 to earn $200
    • Complete two or more direct deposits totaling $5,000 or more to earn $400
    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
    Expires 6/13/2022
    US Bank
    Member FDIC

    Gold Checking - $200 or $400 Bonus

    Earn up to $400 when you open a new eligible U.S. Bank consumer checking account and complete qualifying activities, subject to certain terms and limitations. Offer valid through June 13, 2022. Member FDIC. Complete these steps within 60 days of opening your new Platinum, Gold or Easy checking account online:
    • Enroll in online banking or the U.S. Bank Mobile App.
    • Complete two or more direct deposits totaling $2,500 to $4,999.99 to earn $200
    • Complete two or more direct deposits totaling $5,000 or more to earn $400
    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
    Expires 6/13/2022
    US Bank
    Member FDIC

    Platinum Checking - $200 or $400 Bonus

    Earn up to $400 when you open a new eligible U.S. Bank consumer checking account and complete qualifying activities, subject to certain terms and limitations. Offer valid through June 13, 2022. Member FDIC. Complete these steps within 60 days of opening your new Platinum, Gold or Easy checking account online:
    • Enroll in online banking or the U.S. Bank Mobile App.
    • Complete two or more direct deposits totaling $2,500 to $4,999.99 to earn $200
    • Complete two or more direct deposits totaling $5,000 or more to earn $400
    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
    Expires 6/13/2022

    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 Citibank account is easy. Take a look at what you'll need, plus find out how to earn up to $1,500 bonus.

    Citi Priority Account

    Earn up to $1,500 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.

    Which Do You Think is Best?





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