Fifth Third Bank vs Citibank

Fifth Third Bank is a midwest & Southwest bank with high balance requirements. How does it compare to Citibank? Read our comparison chart below.

Fifth Third Bank has 1,300 branches across the Midwest and Southwest. Basic checking account requires $1,500 minimum balance to avoid fees. Promotional CD offers a high APY for terms up to 24 months with a $5,000 minimum opening deposit.

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 Fifth Third Bank with Citibank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Fifth Third Bank	Citibank
	SPECIAL OFFER Fifth Third Business Checking Account™ - Learn More Read Fifth Third Bank Review	OFFER Checking with Enhanced Direct Deposit - $325 Cash Bonus Read Citibank Review
	Benefits and Features
Savings	0.01% APY	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	0.01% APY. Terms ranging from 7 days to 84 months, minimum deposit of $500. Featured CD: 2.00% to 3.10% APY. Terms are 10, 14, and 24, minimum deposit of $5,000.	6-Month Fixed Rate CD - Up to 4.00% APY 9-Month Fixed Rate CD - Up to 3.50% APY 3-Month Fixed Rate CD - 2.25% APY 1-Year Fixed Rate CD - Up to 2.25% APY 5-Year Fixed Rate CD - 2.00% APY
Checking	Fifth Third Momentum® Checking: No monthly service charge Fifth Third Preferred Checking®: Interest-bearing checking account Fifth Third Student Banking: Personal checking account for students age 13 and up.
Money Market	0.01% APY Standard Rate (0.01% Relationship Rate)
Mobile App		iOS & Android
ATMs	2,100+ Fifth Third ATMs plus 40,000+ fee-free ATMs nationwide	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	Mon-Fri 8:00 am - 6:00 pm (EST) Sat 10:00 am - 4:00 pm (EST)	24/7 Live Customer Service (Telephone)
IRA CD
IRA Money Market
Locations	1,087 branch locations	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: Free Express Checking Free student checking Promo CD with high APY Cons: Higher balance requirements Low savings APY 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	Midwest & Southwest bank with high balance requirements... Read full review	Large national bank best for high balance customers... Read full review
	Fifth Third Business Checking Account™ Personal Checking Account - $350 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Fifth Third Bank: Pricing information from published website as of 11/16/2025 based on 45202 zip code. Citibank: Pricing information from published website as of 11/05/2025. 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: Fifth Third 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 Fifth Third Bank or Bank of America.

In short: Fifth Third Bank's cd is worth mentioning.

Articles on Fifth Third Bank

Fifth Third Bank Review

Fifth Third Bank has higher balance requirements and high service fees if they're not met. But it offers some unique programs. Read on to see if Fifth Third Bank is a good fit for you.