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Citizens Bank vs TD Bank

Citizens Bank is an east Coast bank with solid deposit products to help meet goals. How does it compare to TD Bank? 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 TD Bank has 1,300 locations on the East Coast. Known as "America's most convenient bank," it offers extended banking hours and 24/7 customer service by phone. Monthly service fees can be waived with somewhat low minimum balance requirements.

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

 TD Bank
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Citizens Bank

TD Bank

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Checking and Savings Account - $600 Bonus - Learn More

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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.0.05% APY. No minimum deposit. $5.00 monthly fee waived if 1) minimum $300 balance or 2) waived for the first 12 months if with recurring transfer of $25 or more from a TD Bank account or if you're under 18 or 62 and older.
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.0.10% - 0.15% APY (up to 0.50% for Rate Bump APY). Terms of 3 months to 5 years. Minimum deposit of $250. Allows one penalty-free withdrawal (depending on account).
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.0.03% - 0.20% APY (up to 0.15% for Rate Bump APY) for amounts up to $250,000. No minimum deposit. $11 or $12 monthly maintenance fee waived if 1) minimum $2000 balance or 2) over 62 years old.
Customer Service24/7 Telephone Customer Service24/7 Live Customer Service (Telephone)
ATMsMore than 3100 ATMs across 11 states.Approximately 1,300 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida
IRA CDTerms ranging from 1 - 120 months. Minimum opening deposit $250. No monthly maintenance fee.0.10% - 0.15% APY (up to 0.50% for Rate Bump APY). Terms of 3 months to 5 years. Minimum deposit of $250. Additional contributions and penalty-free withdrawal available (depending on account).
LocationsMore than 1100 branches across the country1300 locations along the east coast.
 

CreditDonkey® Reviews

 TD Bank
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:
  • Extended banking hours
  • Low requirements to waive monthly fees
  • No foreign transaction fees
Cons:
  • No free checking
  • Low APY
  • Only on East Coast
Bottom LineEast Coast bank with solid deposit products to help meet goals... Read full reviewEast Coast bank with relatively low minimum balance requirements... Read full review
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What Others View

    Citizens Bank: Pricing information from published website as of 04/05/2020 based on 10011 zip code.

    TD Bank: Pricing information from published website as of 01/08/2020 based on 08034 zip code.

    Which is Better: Citizens Bank or TD Bank?

    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 is worth mentioning. TD Bank's mobile app is worth mentioning.


    Articles on Citizens Bank


    Articles on TD Bank


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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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