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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.

 Citibank
 Learn MoreLearn More
 

Citibank

US Bank

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

Read Citibank Review

 

Benefits and Features

Savings
Check
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 21 month - 59 months. Minimum deposit of $1,000. Maximum deposit $249,999.
Checking
Check
Easy 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

 Citibank
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

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 9/15/2021 based on 91107 zip code.

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 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 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 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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