Citibank vs USAA Bank
Citibank is a large national bank best for high balance customers. How does it compare to USAA Bank? Read our comparison chart below.
Citibank | USAA Bank | |
|---|---|---|
Checking with Enhanced Direct Deposit - $325 Cash Bonus | Personal Checking Account - $200 Bonus - | |
Benefits and Features | ||
| Savings |
| |
| CD |
| 0.05% to 2.25% APY. Terms of 91 days to 7 years. Minimum deposit of $1,000 to open. |
| Checking |  | Classic Checking, Youth Spending |
| Money Market | ||
| Mobile App | ||
| ATMs | More than 65,000 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. | 100,000+ USAA and USAA-preferred ATMs |
| Customer Service | 24/7 Live Customer Service (Telephone) |
|
| IRA CD | | 0.01% APY. Terms of 182 days to 1 year. Minimum deposit of $250. |
| IRA Money Market | | |
| Locations | 645 retail bank branches concentrated in the six key metropolitan areas of New York, Chicago, Los Angeles, San Francisco, Miami, and Washington, D.C. | 4 financial centers in Colorado, New York, Maryland, and Texas |
CreditDonkey® Reviews | ||
| Savings |   |  |
| CD | | |
| Checking | | |
| Mobile App | | |
| Customer Service | | |
| Fees | | |
| Pros & Cons | Pros:
| Pros:
|
| Bottom Line | Large national bank best for high balance customers... | Savings account with low rate and limited availability... |
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 02/05/2026. 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. USAA Bank: Pricing information from published website as of 12/20/2025. | ||
Which is Better: Citibank or USAA 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 Bank of America.
In short: Citibank's customer service is noteworthy.
Articles on Citibank
Citibank
Citibank 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 Citi 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.
Citi 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 USAA Bank
USAA Routing Number
USAA only has one routing number: 314074269. Learn what you need it for and other ways to transfer money.
USAA Savings Account Interest Rate
Looking to open a savings account with USAA Federal Savings Bank? Read on to learn what rates are being offered.
USAA High Yield Savings
USAA Bank boasts a savings account with an adequate rate and no fees. But you may not be eligible to get it. Read on to find out.
Which Do You Think is Best?
Which Bank Account is Right for You?
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