Citizens Bank vs Chase

Citizens Bank is an online savings account with an impressive rate and no fees. How does it compare to Chase? Read our comparison chart below.

Citizens Bank has over 1,000 branches on the East Coast. It offers a wide range of banking products and services, as well as financial tools to keep you on track. The GoalTrack Savings program offers gift card incentives for reaching your savings goals.

While Chase is one of the biggest banks in the nation with more than 4,700 branches and over 15,000 ATMs. They offer a variety of banking, loans and investing services.

Compare Citizens Bank with Chase, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Citizens Bank	Chase
	SPECIAL OFFER 7-Month CD - 3.80% APY - Learn More Read Citizens Bank Review	SPECIAL OFFER Chase Business Up to $500 Bonus - Learn More Read Chase Review
	Benefits and Features
Savings	Several types of Savings accounts. 0.01% 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: 0.01% APY. $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account, OR a linked Chase College Checking for Overdraft Protection, OR a linked qualifying 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.
CD	Several types of CD accounts. Terms ranging from 7-14 month. 3.10% - 3.80% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $25,000 for 7-Month and $1,000 for 14-Month online CD.	Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Checking		Chase Total Checking® 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 $150,000 on deposit with Chase.
Money Market	Several types of Money Market accounts. 0.01% 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.
Mobile App		iOS & Android
ATMs	3,300+ ATMs across 14 states	15,000+ Chase ATMs
Customer Service	24/7 Telephone Customer Service	Automated service available 24/7
IRA CD	Terms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee.
Locations	1,000+ branches in 14 states	Over 4,700
	CreditDonkey® Reviews
Savings
Fees
Mobile App
Customer Service
Pros & Cons	Pros: High APY No monthly fees Cons: No physical branches No cash deposits	Pros: More than 4,700 branches New customer coupons Full service banking Cons: Low savings rates Not in all states
Bottom Line	Online savings account with an impressive rate and no fees... Read full review	National bank with good promotions for new customers... Read full review
	7-Month CD - 3.80% APY Citizens Bank High Yield Online Savings - 3.15% APY 14-Month CD - 3.10% APY	Chase Business Up to $500 Bonus Chase Private Client Checking℠ - Up to $3,000 Bonus Chase Total Checking® - $300 Bonus
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 01/04/2026 based on 10011 zip code. Chase: Pricing information and data points from published website as of 12/29/2025.

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Chase Business Complete Banking® - Up to $500 Bonus

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Expires 5/14/2026

Earn up to $500 when you open a new Chase Business Complete Checking^® account. For new Chase business checking customers with qualifying activities.
Get added features at no additional costs. Choose Chase Business Complete Banking^® to get a fully integrated business solution that can help you control costs. Waive the $15 Monthly Service Fee in multiple ways like keeping a minimum $2,000 balance, plus use built-in offerings such as card acceptance, invoicing, Chase Customer Insights and Tap to Pay on iPhone at no additional cost.
Bank with confidence. Feel confident knowing we have the largest branch network in the U.S. with 5,000 branches that provide personalized service and can help with your complex banking needs. You can also benefit from our account protection services, which provide safeguards by overseeing employee account activity, monitoring checks, and offering additional protection for your business.
Access top-rated online business banking. Take advantage of our #1-ranked online small business banking platform with a comprehensive set of features designed for small business owners like you. Our tools enhance your ability to manage cash flow, accept and make payments, create invoices and plan for growth, so you can streamline processes and gain greater control of your finances.

Which is Better: Citizens Bank or Chase?

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