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Citizens Bank vs Citibank

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

Citizens Bank has over 1,100 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 Citibank has over 600 branches across the United States. 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.

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

 

Citizens Bank

Citibank

SPECIAL OFFER
Personal Checking and Savings Account - $400 Bonus - Learn More

Read Citizens Bank Review

OFFER
Citi Checking - $1,500 Bonus

Read Citibank Review

 

Benefits and Features

SavingsSeveral 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.
  • CitiĀ® 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.
  • CitiĀ® Savings: Available in CA, CT, DC, MD, NV, NJ, NY, VA, and select markets in Florida and Illinois.
CDSeveral types of CD accounts. Terms ranging from 7-14 month. 2.75% - 4.50% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $1000 for all accounts.
  • 9-Month Fixed Rate CD - 4.10% APY
  • 6-Month Fixed Rate CD - 3.25% APY
  • 1-Year Fixed Rate CD - 2.25% APY
  • 5-Year Fixed Rate CD - 2.00% APY
  • 3-Month Fixed Rate CD - 0.05% APY
Checking 
Check
Money MarketSeveral 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.
  • CitiBusiness® Insured Money Market Account - 4.50% APY
ATMs
3,200+ ATMs across 14 states
More 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.
Customer Service24/7 Telephone Customer Service24/7 Live Customer Service (Telephone)
IRA CDTerms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee.
Check
IRA Money Market 
Check
Locations
1,100 branches in 14 states
645 retail bank branches concentrated in the six key metropolitan areas of New York, Chicago, Los Angeles, San Francisco, Miami, and Washington, D.C.
 

CreditDonkey® Reviews

SavingsStarStarStarStarEmpty StarStarStarStarEmpty StarEmpty Star
CDStarStarStarEmpty StarEmpty StarStarStarStarEmpty StarEmpty Star
CheckingStarStarStarStarEmpty StarStarStarStarEmpty StarEmpty Star
Money MarketStarStarStarEmpty StarEmpty Star
Mobile AppStarStarStarHalf StarEmpty StarStarStarStarStarHalf Star
Customer ServiceStarStarStarStarStarStarStarStarStarEmpty Star
Pros & ConsPros:
  • One Deposit Checking
  • GoalTrack Savings
  • 24/7 customer service
Cons:
  • Low APY
  • Heavy overdraft fees
  • Limited branches
Pros:
  • Perks for high balance customers
  • Many fee-free ATMs
  • Global presence
Cons:
  • No free checking option
  • Higher balance requirements
  • Low savings APY
Bottom LineEast Coast bank with solid deposit products to help meet goals... Read full reviewLarge national bank best for high balance customers... Read full review

    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 11/25/2024 based on 10011 zip code.

    Citibank: Pricing information from published website as of 12/03/2024. 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.

    Which is Better: Citizens Bank or Citibank?

    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.

    In short: Citizens Bank's savings, checking, and customer service are worth mentioning. In particular, the customer service is impressive. Citibank's mobile app is noteworthy.


    Articles on Citizens Bank

    Citizens Bank Review

    Are you looking for a bank that will not only keep your money, but also help push you to meet your financial goals? If so, you may want to consider Citizens Bank.

    Citizens Bank High Yield Savings

    Citizens has an online savings account with a competitive APY and no fees. But what's the catch? Continue reading to find out.

    Citizens Bank Problems

    While Citizens Bank offers easy-to-maintain checking and savings accounts, some customers didn't have the best experience. Here's why.

    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 a Citibank 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.

    Citibank 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.

    Which Do You Think is Best?





    Which Bank Account is Right for You?


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