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Citibank vs Wells Fargo

Citibank is a large national bank best for high balance customers. How does it compare to Wells Fargo? 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 Wells Fargo is one of America's largest banks with over 5,400 locations and 13,000 ATMs. Offers many checking options, including Teen Checking and Opportunity Checking for those who had financial troubles. 24/7 customer service. Special CDs offers high rates with $5,000 minimum opening deposit.

Compare Citibank with Wells Fargo, side-by-side. Read on for an in-depth look, including ratings and reviews.

 Citibank
 Learn MoreLearn More
 

Citibank

Wells Fargo

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

Read Citibank Review

SPECIAL OFFER
Personal Checking Account - $325 Bonus - Learn More

Read Wells Fargo Review

 

Benefits and Features

SavingsCitiĀ® 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 opening deposit of $25. Monthly service fee of $5, unless you maintain a minimum daily balance of $300, or primary account owner is 24 years old or under
CD
Check
Standard Term CD: 0.10% to 2.50% APY. Terms of 3 months to 1 year. Minimum deposit of $2,500. Bonus of up to 2.51% APY if you maintain a linked Portfolio by Wells Fargo relationship.
CheckingCiti Priority AccountClear Access Banking, Everyday Checking, Portfolio by Wells Fargo
Money Market
Check
Also known as the Platinum Savings Account. 0.25% - 2.00% APY. Minimum opening deposit of $25. $12 monthly service fee, unless you maintain a minimum daily balance of $3,500. Bonus APY of 2.01% requires account linked to Portfolio by Wells Fargo relationship.
Customer Service24/7 Live Customer Service (Telephone)Available 24 hours a day, 7 days a week.
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 13,000 ATMs across the country.
IRA CD
Check
Standard Term CD: 0.01% to 2.50% APY. Terms of 1 month to 144 months. Minimum deposit of $1,000. Bonus of up to 2.51% APY if you maintain a linked Wells Fargo Prime/Portfolio Checking account.
IRA Money Market
Check
0.01% APY. $100 minimum opening deposit.
LocationsMore than 700 Citibank branches (concentrated in New York, Chicago, Los Angeles, San Francisco, Washington DC and Miami)Approximately 5,400 retail banking branches coast to coast.
 

CreditDonkey® Reviews

 Citibank
SavingsStarStarStarEmpty StarEmpty Star
CDStarStarStarEmpty StarEmpty Star
CheckingStarStarStarEmpty StarEmpty Star
Customer ServiceStarStarStarStarEmpty Star
Mobile AppStarStarStarStarHalf 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
Bottom LineLarge national bank best for high balance customers... Read full review Read full review
 Learn MoreLearn More

    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.

    Wells Fargo: Pricing information from published website as of 11/05/2022 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 Account - Earn up to $2,000 Cash Bonus

    Expires 1/9/2023
    • Earn up to $2,000 cash bonus when you open a new eligible Citi Priority Checking Account with required activities
    • 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 tier at any point during the maintenance period, the bonus changes.
    • Bonus will be paid within 30 days after you successfully complete all required activities.
    Citibank

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

    Expires 1/9/2023

    Earn up to $2,000 cash bonus when you open a new eligible Citi Priority Checking Account with required activities. 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 tier at any point during the maintenance period, the bonus changes. Bonus will be paid within 30 days after you successfully complete all required activities.

    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

    Which is Better: Citibank or Wells Fargo?

    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.


    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?

    Citibank Open Account

    Opening a Citi bank account is easy. Take a look at what you'll need, plus find out how to earn up to $2,000 bonus

    Citi Priority

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

    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 Wells Fargo

    Wells Fargo Bank Review

    Wells Fargo offers nationwide access with thousands of ATMs and branch locations. But are their checkings and savings accounts right for you? Read on to see the best options.

    Wells Fargo Bank Hours

    Wells Fargo is one of the biggest banks in the country. Here's when you can visit a branch near you.

    Wells Fargo Routing Number

    Not all routing numbers are the same for Wells Fargo. Here's how to find the routing number for your bank account.

    Which Do You Think is Best?





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