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Citizens Bank vs Chase

Citizens Bank is an east Coast bank with solid deposit products to help meet goals. How does it compare to Chase? Read our comparison chart below.

 Chase
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Citizens Bank

Chase

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Benefits and Features

SavingsSeveral types of Savings accounts. 0.01% - 0.07% APY. No minimum opening deposit. $4.99 monthly maintenance fee, unless you have a minimum daily balance of $200 in your account, or have a qualifying Citizens Bank checkings account.Chase Savings: $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account OR for owners under 18. $0 to open.
Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.
CDSeveral types of CD accounts. Terms ranging from 11 - 24 months. 0.10% - 1.30% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $1000 for all accounts.Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Checking Chase Total Checking: Basic checking account. $12 service fee waived with an average beginning day balance of $1,500 OR direct deposits of at least $500 each month. $0 minimum balance to open.
Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open.
Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open.
Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open.
Chase Private Client Checking: For high net worth individuals who have $250,000 on deposit with Chase.
Money MarketSeveral types of Money Market accounts. 0.01% - 0.10% APY. No minimum opening deposit. Monthly maintenance fee of $10, unless you have a minimum daily balance of $2500. Other Money Market accounts have no monthly maintenance fee but require qualifying Citizens Bank Checking Account. 
Customer Service24/7 Telephone Customer Service
24/7 by phone
ATMsMore than 3100 ATMs across 11 states.Over 16,000 Chase ATMs nationwide
IRA CDTerms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee. 
LocationsMore than 1100 branches across the country
Nearly 4,900 branches
 

CreditDonkey® Reviews

 Chase
Savings
CD
Checking
Money Market
Customer Service
Mobile App
Pros & ConsPros:
  • One Deposit Checking
  • GoalTrack Savings
  • 24/7 customer service
Cons:
  • Low APY
  • Heavy overdraft fees
  • Limited branches
Pros:
  • Nearly 4,900 branches
  • New customer promotions
  • Full service banking
Cons:
  • Low interest rates
  • Not in all states
Bottom LineEast Coast bank with solid deposit products to help meet goals... Read full reviewNational bank with good promotions for new customers... Read full review
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What Others View

    Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

    Citizens Bank: Pricing information from published website as of 03/29/2020 based on 10011 zip code.

    Chase: Pricing information from published website as of 7/17/2019

    Which is Better: Citizens Bank or Chase?

    Still need help deciding which bank is better? Read the in-depth reviews below. You may also be interested in comparing Citizens Bank or CIT Bank.

    In short: Citizens Bank's customer service is impressive. Chase's mobile app is impressive.


    Articles on Citizens Bank


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