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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 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

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Benefits and Features

SavingsSeveral types of Savings accounts. 0.01% - 0.05% 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% - 0.06% APY. No minimum deposit. $4.50 monthly fee unless you maintain an average monthly balance of $500.
CDSeveral types of CD accounts. Terms ranging from 11 - 24 months. 0.10% - 0.55% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $1000 for all accounts.0.05% - 0.50% 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 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.A.k.a 'Savings Plus' Account. 0.01% - 0.10% APY. Minimum opening deposit $100.
Customer Service24/7 Telephone Customer Service24/7 Live Customer Service (Telephone)
ATMsMore 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 CDTerms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee.Can convert an IRA to a regular CD account. 0.05% - 0.50% 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.
LocationsMore than 1100 branches across the country700 Citibank branches across 13 states (mostly in California and New York)
 

CreditDonkey® Reviews

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:
  • 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 04/05/2020 based on 10011 zip code.

Citibank: Pricing information from published website as of 04/05/2020.

Which is Better: Citizens Bank or Citibank?

Still need help deciding which bank 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


Articles on Citibank


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If you're storing your cash in a low-interest account, you're giving away free money. Worse, with fees, you could be losing money. Instead, consider an online bank with high interest and no fees.

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