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 | |
|---|---|---|
Citi Accelerate Savings Account - 0.50% APY - | ||
Benefits and Features | ||
| Savings | 0.04% - 0.15% 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% - 0.25% 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% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $249,999. CD Special: 0.10% - 0.50% 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% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee $10 unless you have $10,000 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% - 0.25% 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:
| Pros:
|
| Bottom Line | Large national bank best for high balance customers... | Big national bank with wide array of services and many account options... |
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 1/16/2021. US Bank: Pricing information from published website as of 1/23/2021. 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 Routing Number
Articles on US Bank
US Bank Review
US Bank Routing Number
Which Do You Think is Best?
You might also be interested in
Related: Bank Reviews & Deals
