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Current vs Citibank

Current is a simple, digital-only banking app with impressive bonus and cashback. How does it compare to Citibank? Read our comparison chart below.

Current offers mobile-only banking for adults and teens. It offers cashback rewards, interest on savings, faster direct deposit, and fee-free overdrafts. There are no monthly fees and no minimums. Find out more

While Citibank has over 700 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 Current with Citibank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 Current
Member FDIC
 Visit SiteLearn More
 

Current

Citibank

SPECIAL OFFER
Build Credit While You Bank - Learn More

Read Current Review

OFFER
Checking with Enhanced Direct Deposit - $300 Cash Bonus

Read Citibank Review

 

Benefits and Features

SavingsUp to 4.00% bonus on your Savings Pod, on up to a total of $6,000
  • 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.
CD 
Check
CheckingEarn up to 15x points on purchases at participating merchants
Check
Monthly Fee
$0
 
Kids Debit Card
Check
 
Money Market 
Check
Minimum Deposit to Open
$0
 
Mobile App
iOS & Android
 
ATMsFree access to 40,000+ Allpoint ATMsMore 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 Service 24/7 Live Customer Service (Telephone)
IRA CD 
Check
IRA Money Market 
Check
Locations More than 700 Citibank branches (concentrated in New York, Chicago, Los Angeles, San Francisco, Washington DC and Miami)
 

CreditDonkey® Reviews

 Current
SavingsStarStarStarStarEmpty StarStarStarStarEmpty StarEmpty Star
Minimum DepositStarStarStarStarStar
CheckingStarStarStarStarStarStarStarStarEmpty StarEmpty Star
PriceStarStarStarStarStar
Mobile AppStarStarStarStarStarStarStarStarStarHalf Star
Customer ServiceStarStarStarEmpty StarEmpty StarStarStarStarStarEmpty Star
Ease of UseStarStarStarStarStar
EducationStarStarStarEmpty StarEmpty Star
CDStarStarStarEmpty StarEmpty Star
Pros & ConsPros:
  • High savings rate
  • Up to 15x cash back at 14k stores
  • Ability to deposit cash
Cons:
  • No web platform
  • Email-based support only
  • Requires direct deposit to earn the boosted bonus
Pros:
  • Perks for high balance customers
  • Many fee-free ATMs
  • Global presence
Cons:
  • No free checking option
  • Higher balance requirements
  • Low savings APY
Bottom LineSimple, digital-only banking app with impressive bonus and cashback... Read full reviewLarge national bank best for high balance customers... Read full review
 Visit SiteLearn More

    Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

    Current: Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.

    Citibank: Pricing information from published website as of 03/15/2024. 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.

    Current

    Build Credit While You Bank

    • Get Paid Up to 2 Days Faster
    • Build credit and earn points with every swipe
    • 40,000 fee-free Allpoint ATMs in the U.S.
    • No credit check, minimum balance or hidden fees
    Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.
    Current

    Current Savings - Up to 4.00% bonus

    • 4.00% bonus on up to $6,000 balance if you receive and maintain a qualifying direct deposit of $200 or more in a rolling 35 day period. (Otherwise, 0.25%)
    • Simply add money to your Savings Pods and enable the Boost feature.
    • Earn bonus on up to 3 Savings Pods, up to $2,000 balance each.
    • Bonuses accumulate daily.
    Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC.

    Which is Better: Current 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 Current or Chase.

    In short: Current's savings and checking are worth mentioning. In particular, the checking is outstanding. Citibank's customer service is noteworthy.


    Articles on Current

    Current Banking Review

    Is Current a good fit for you? Discover its benefits and drawbacks, and see how it sizes up against apps like Chime in this review.

    Articles on Citibank

    Citibank Review

    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?





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