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 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.
Compare Citizens Bank with Citibank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
Citizens Bank | Citibank | |
|---|---|---|
Personal Checking Account - $300 Bonus - | Citi Accelerate Savings Account - 0.50% APY - | |
Benefits and Features | ||
| Savings | Several types of Savings accounts. 0.01% - 0.02% 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. | 0.04% - 0.15% APY. No minimum deposit. $4.50 monthly fee unless you maintain an average monthly balance of $500. |
| CD | Several types of CD accounts. Terms ranging from 10 - 25 months. 0.03% - 0.05% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $1000 for all accounts. | 0.05% - 0.25% APY. Terms ranging from 3 months to 5 years. Minimum opening deposit is $1,000 in CA, and NV, $2,500 in MD, DC, VA, and FL, $500 in all other markets. |
| Money Market | Several types of Money Market accounts. 0.01% - 0.03% 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. | A.k.a 'Savings Plus' Account. 0.01% - 0.10% APY. Minimum opening deposit $100. |
| Customer Service | 24/7 Telephone Customer Service | 24/7 Live Customer Service (Telephone) |
| ATMs | More than 3100 ATMs across 11 states. | 2400 ATMs across the country. Citibank also works at all MoneyPass ATMs, which means access to over 60,000 no-fee ATMs. |
| IRA CD | Terms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee. | Can convert an IRA to a regular CD account. 0.05% - 0.25% APY. Terms ranging from 3 months to 5 years. Minimum opening deposit is $1,000 in CA, and NV, $2,500 in MD, DC, VA, and FL, $500 in all other markets. |
| IRA Money Market | Can convert an IRA account to a regular Money Market account. 0.01% - 0.10% APY. Minimum opening deposit $100. | |
| Locations | Approximately 1,018 branches across the country | 700 Citibank branches across 13 states (mostly in California and New York) |
CreditDonkey® Reviews | ||
| Savings |   | |
| CD | | |
| Checking | | |
| Money Market | | |
| Customer Service | | |
| Mobile App |  | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | East Coast bank with solid deposit products to help meet goals... | Large national bank best for high balance customers... |
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 2/25/2021. based on 10011 zip code. Citibank: Pricing information from published website as of 2/24/2021. | ||
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 Chase.
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
Articles on Citibank
Citibank Review
