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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 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 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.

 CitibankUS Bank
 Learn MoreVisit Site
 

Citibank

US Bank

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

Read Citibank Review

SPECIAL OFFER
U.S. Bank Smartly® Checking and Standard Savings - Up to $1,000 Bonus - Learn More

Read US Bank Review

 

Benefits and Features

SavingsCiti® 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.
CheckingCiti Priority
Smartly Checking
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 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
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 2200 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:
  • 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 09/20/2023. 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 09/15/2023 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 - Earn up to $2,000 Cash Bonus

    Expires 1/9/2024
    • Earn up to $2,000 when you open a new eligible Citi checking account and enroll in the offer the same day
    • New to Relationship customers can choose their Relationship Tier.
    • 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 Balance Level at any point during the maintenance period, the bonus changes.
    • Bonus will be paid within 30 days after you successfully complete all required activities.
    • Restrictions apply.
    Citibank

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

    Expires 1/9/2024

    Earn up to $2,000 when you open a new eligible Citi checking account and enroll in the offer the same day. New To Relationship customers can choose their Relationship Tier. 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 Balance Level at any point during the maintenance period, the bonus changes. Bonus will be paid within 30 days after you successfully complete all required activities. Restrictions apply.

    Balance LevelsMaximum 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

    Citibank

    Citigold® - Earn up to $2,000 Bonus

    Expires 1/9/2024
    • Earn up to $2,000 when you open a new eligible Citi checking account and enroll in the offer the same day.
    • New to Relationship customers can choose their Relationship Tier.
    • 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 Balance Level at any point during the maintenance period, the bonus changes.
    • Bonus will be paid within 30 days after you successfully complete all required activities.
    • Restrictions apply
    US Bank
    Member FDIC

    U.S. Bank Smartly® Checking and Standard Savings - Up to $1,000 Bonus

    Earn up to $1,000 when you open a new U.S. Bank Smartly® Checking account and a Standard Savings account and complete qualifying activities. Subject to certain terms and limitations. Offer valid through October 31 2023. Member FDIC.

    Earn up to $500 with a new Bank Smartly Checking account. Complete the following within 90 days of account opening:

    • Enroll in online banking or the U.S. Bank Mobile App
    • Make two or more direct deposit(s)* totaling $5,000 to $9,999.99 to earn $300 or $10,000 or more to earn $500

    Earn up to $400 with a new Standard Savings account.

    • Make new money deposit(s) totaling $25,000 to $49,999.99 to earn $200 or $50,000 or more to earn $400 by November 30, 2023
    • Maintain that balance until May 31, 2024

    Earn an additional $100 for opening both!

    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 10/31/2023
    US Bank
    Member FDIC

    Silver Business Checking Package - Up to $800 Bonus

    Earn up to an $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q3AFL23 and complete qualifying activities, subject to certain terms and limitations. Offer valid through January 8, 2024. Member FDIC. Complete these steps to earn the offer:

    Earn your $350.

    • Complete $5,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.

    Earn your $800.

    • Complete $25,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
    Expires 1/8/2024
    US Bank
    Member FDIC

    Gold Business Checking Package - Up to $800 Bonus

    Earn up to an $800 bonus when you open a new, eligible U.S. Bank business checking account online with promo code Q3AFL23 and complete qualifying activities, subject to certain terms and limitations. Offer valid through January 8, 2024. Member FDIC. Complete these steps to earn the offer:

    Earn your $350.

    • Complete $5,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.

    Earn your $800.

    • Complete $25,000 in new money deposits within 30 days of account opening and maintain for 60 days after account opening.
    Expires 1/8/2024

    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 a bonus

    Citi Priority Account

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

    Weighing up on banking with U.S. Bank? This comprehensive review covers its pros, cons and how it stacks up against other banks.

    US Bank vs Chase Business Checking

    U.S. Bank offers a free business checking account, while Chase offers more features. Which is better? Find out here.

    U.S. Bank Checking Account Bonus

    Get a bonus when you open a new account with U.S. Bank. Learn more about their bonuses to kick-start your banking journey.

    US Bank Business Checking Bonus

    A U.S. Bank Business Checking bonus may be the boost you're looking for. Find out how to maximize this benefit.

    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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