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 1,000 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 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 Account - $400 Bonus - Learn More Read Citizens Bank Review	OFFER Checking with Enhanced Direct Deposit - $325 Cash Bonus Read Citibank 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.	Citi® 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. Citi® Savings: Available in CA, CT, DC, MD, NV, NJ, NY, VA, and select markets in Florida and Illinois.
CD	Several types of CD accounts. Terms ranging from 5-10 month. 3.50% - 4.25% APY. Some APY rates may require qualifying Citizens Bank Checking Account. Minimum opening deposit $25000 for 5-Month and 10-Month online CD.	9-Month Fixed Rate CD - 3.00% APY 6-Month Fixed Rate CD - 2.50% APY 5-Year Fixed Rate CD - 2.00% APY 1-Year Fixed Rate CD - 0.10% APY 3-Month Fixed Rate CD - 0.05% APY
Checking
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	More than 65,000 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 Service	24/7 Telephone Customer Service	24/7 Live Customer Service (Telephone)
IRA CD	Terms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee.
IRA Money Market
Locations	1,000+ 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
Savings
CD
Checking
Money Market
Mobile App
Customer Service
Pros & Cons	Pros: One Deposit Checking Citizens Savings Tracker 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 Line	East Coast bank with solid deposit products to help meet goals... Read full review	Large national bank best for high balance customers... Read full review
	Personal Checking Account - $400 Bonus 5-Month CD - 4.25% APY Citizens Bank High Yield Online Savings - 3.70% APY
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 06/22/2025 based on 10011 zip code. Citibank: Pricing information from published website as of 06/23/2025. 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.