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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.

 Citibank
Member FDIC
US Bank
Member FDIC
 Learn MoreVisit Site
 

Citibank

US Bank

OFFER
Enhanced Direct Deposit - Earn $300 Cash Bonus

Read Citibank Review

SPECIAL OFFER
U.S. Bank Smartly® Checking and Standard Savings - Up to $800 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.
  • Citi® Savings: Available in CA, CT, DC, MD, NV, NJ, NY, VA, 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.
Checking
Check
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.
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
Customer Service24/7 Live Customer Service (Telephone)24/7 Live Customer Service (Telephone)
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
Mobile AppStarStarStarStarHalf StarStarStarStarStarHalf Star
Customer ServiceStarStarStarStarEmpty 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 02/07/2024. 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 02/07/2024 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
    Member FDIC

    Enhanced Direct Deposit - Earn $300 Cash Bonus

    Earn $300 cash bonus when you open a new eligible checking account with Enhanced Direct Deposit and complete required activities. Member FDIC

    • Open a new eligible Citi Checking account with Enhanced Direct Deposits
    • Deposit at least two Enhanced Direct Deposits directly into your new checking account within 90 calendar days from account opening.
    • Your total combined Enhanced Direct Deposit must equal $1,500 or more.
    • Earn a $300 cash bonus. Your cash bonus will be deposited to your open, eligible checking account within 30 calendar days after required activities have been completed.
    US Bank
    Member FDIC

    U.S. Bank Smartly® Checking and Standard Savings - Up to $800 Bonus

    Earn up to $800 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 March 12, 2024. 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 $3,000 to $4,999.99 to earn $100, $5,000 to $9,999.99 to earn $300 or $10,000 or more to earn $500

    Earn up to $300 with a new Standard Savings account.

    • Make new money deposit(s) totaling $25,000 by March 31, 2024
    • Maintain that balance until June 30, 2024
    Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.
    Expires 3/12/2024
    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 Q1AFL24 and complete qualifying activities, subject to certain terms and limitations. Offer valid through April 23, 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 4/23/2024
    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 Q1AFL24 and complete qualifying activities, subject to certain terms and limitations. Offer valid through April 23, 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 4/23/2024

    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 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 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.

    Who Owns US Bank

    U.S. Bank is owned by its multiple institutional and individual shareholders. If you're curious about its safety, read on to learn more.

    US Bank Silver Business Checking Minimum Balance

    Does U.S. Bank Silver Business Checking have a minimum balance? Nope! Sounds great, but see if it checks all your boxes.

    US Bank Silver Business Checking Fees

    Is U.S. Bank Silver Business Checking really free? Here are all the fees you need to know.

    US Bank Business Checking Requirements

    Opening a U.S. Bank business checking account can be fast and easy. Most allow online application and require fewer documents than other banks.

    US Bank Problems

    U.S. Bank may be one of the best-established banks in the U.S. But it's not exactly problem-free. Here's what you may encounter.

    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 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

    Boost your business with a U.S. Bank Business Checking bonus. Learn how to make the most out of this offer.

    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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